BANKWELL FINANCIAL GROUP INC (BWFG) Stock Fundamental Analysis
NASDAQ:BWFG - Nasdaq - US06654A1034 - Common Stock - Currency: USD
Taking everything into account, BWFG scores 3 out of 10 in our fundamental rating. BWFG was compared to 405 industry peers in the Banks industry. BWFG may be in some trouble as it scores bad on both profitability and health. BWFG is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year BWFG was profitable.
BWFG had a positive operating cash flow in the past year.
BWFG had positive earnings in each of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: BWFG reported negative operating cash flow in multiple years.
1.2 Ratios
BWFG has a worse Return On Assets (0.59%) than 66.67% of its industry peers.
With a Return On Equity value of 6.94%, BWFG is not doing good in the industry: 61.15% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 6.94% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.77%
ROE(3y)10.72%
ROE(5y)9.67%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BWFG has a worse Profit Margin (16.71%) than 71.43% of its industry peers.
In the last couple of years the Profit Margin of BWFG has declined.
BWFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 16.71% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.48%
PM growth 5Y-19.3%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BWFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BWFG has been reduced compared to 1 year ago.
BWFG has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, BWFG has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of BWFG is 4.86, which is a neutral value as it means it would take BWFG, 4.86 years of fcf income to pay off all of its debts.
BWFG's Debt to FCF ratio of 4.86 is on the low side compared to the rest of the industry. BWFG is outperformed by 62.66% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that BWFG is not too dependend on debt financing.
The Debt to Equity ratio of BWFG (0.26) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 4.86 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.02%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BWFG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -74.84%.
BWFG shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -12.72% yearly.
BWFG shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.82%.
BWFG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.08% yearly.
EPS 1Y (TTM)-74.84%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%-70.64%
Revenue 1Y (TTM)9.82%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%-9.46%
3.2 Future
The Earnings Per Share is expected to grow by 100.49% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 12.92% on average over the next years. This is quite good.
EPS Next Y220.61%
EPS Next 2Y100.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.36%
Revenue Next 2Y12.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 25.94 indicates a quite expensive valuation of BWFG.
BWFG's Price/Earnings ratio is rather expensive when compared to the industry. BWFG is more expensive than 84.21% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 29.62. BWFG is around the same levels.
BWFG is valuated reasonably with a Price/Forward Earnings ratio of 8.09.
Based on the Price/Forward Earnings ratio, BWFG is valued cheaper than 90.48% of the companies in the same industry.
BWFG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.94 | ||
| Fwd PE | 8.09 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BWFG is valued a bit more expensive than the industry average as 60.15% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
BWFG's earnings are expected to grow with 100.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y100.49%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BWFG has a Yearly Dividend Yield of 2.56%.
Compared to an average industry Dividend Yield of 3.19, BWFG has a dividend in line with its industry peers.
BWFG's Dividend Yield is comparable with the S&P500 average which is at 2.27.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
5.2 History
On average, the dividend of BWFG grows each year by 10.69%, which is quite nice.
BWFG has been paying a dividend for at least 10 years, so it has a reliable track record.
BWFG has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)10.69%
Div Incr Years0
Div Non Decr Years9
5.3 Sustainability
BWFG pays out 33.77% of its income as dividend. This is a sustainable payout ratio.
BWFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP33.77%
EPS Next 2Y100.49%
EPS Next 3YN/A
30.61
-0.63 (-2.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners49.87%
Inst Owner Change-93.29%
Ins Owners10.55%
Ins Owner Change3.99%
Market Cap240.59M
Analysts82.86
Price Target40.8 (33.29%)
Short Float %1.44%
Short Ratio6.83
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.56% |
Yearly Dividend0.8
Dividend Growth(5Y)10.69%
DP33.77%
Div Incr Years0
Div Non Decr Years9
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)216.38%
Min EPS beat(2)38.64%
Max EPS beat(2)394.12%
EPS beat(4)3
Avg EPS beat(4)105.36%
Min EPS beat(4)-34.78%
Max EPS beat(4)394.12%
EPS beat(8)6
Avg EPS beat(8)59.67%
EPS beat(12)10
Avg EPS beat(12)46.91%
EPS beat(16)13
Avg EPS beat(16)31.51%
Revenue beat(2)0
Avg Revenue beat(2)-5%
Min Revenue beat(2)-6.74%
Max Revenue beat(2)-3.25%
Revenue beat(4)2
Avg Revenue beat(4)-0.27%
Min Revenue beat(4)-6.74%
Max Revenue beat(4)4.75%
Revenue beat(8)6
Avg Revenue beat(8)3.48%
Revenue beat(12)8
Avg Revenue beat(12)3.88%
Revenue beat(16)11
Avg Revenue beat(16)3.33%
PT rev (1m)0%
PT rev (3m)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)4.13%
EPS NY rev (3m)4.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)3.93%
Revenue NY rev (3m)3.93%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.94 | ||
| Fwd PE | 8.09 | ||
| P/S | 2.16 | ||
| P/FCF | 16.84 | ||
| P/OCF | 15.94 | ||
| P/B | 0.9 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.18
EY3.85%
EPS(NY)3.78
Fwd EY12.36%
FCF(TTM)1.82
FCFY5.94%
OCF(TTM)1.92
OCFY6.28%
SpS14.16
BVpS34.09
TBVpS33.76
PEG (NY)0.12
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.59% | ||
| ROE | 6.94% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.71% | ||
| GM | N/A | ||
| FCFM | 12.84% |
ROA(3y)0.84%
ROA(5y)0.77%
ROE(3y)10.72%
ROE(5y)9.67%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-33.48%
PM growth 5Y-19.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.26 | ||
| Debt/FCF | 4.86 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 21.66% | ||
| Cap/Sales | 0.73% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 76.81% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.02%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-74.84%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%-70.64%
EPS Next Y220.61%
EPS Next 2Y100.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.82%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%-9.46%
Revenue Next Year13.36%
Revenue Next 2Y12.92%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-70.07%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-69.89%
OCF growth 3YN/A
OCF growth 5YN/A