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BANKWELL FINANCIAL GROUP INC (BWFG) Stock Fundamental Analysis

NASDAQ:BWFG - Nasdaq - US06654A1034 - Common Stock

29.36  -0.47 (-1.58%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BWFG. BWFG was compared to 405 industry peers in the Banks industry. BWFG has a bad profitability rating. Also its financial health evaluation is rather negative. BWFG has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BWFG was profitable.
BWFG had a positive operating cash flow in the past year.
In the past 5 years BWFG has always been profitable.
Of the past 5 years BWFG 4 years had a positive operating cash flow.
BWFG Yearly Net Income VS EBIT VS OCF VS FCFBWFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M 80M

1.2 Ratios

BWFG has a Return On Assets of 0.59%. This is in the lower half of the industry: BWFG underperforms 65.83% of its industry peers.
Looking at the Return On Equity, with a value of 6.94%, BWFG is in line with its industry, outperforming 40.70% of the companies in the same industry.
Industry RankSector Rank
ROA 0.59%
ROE 6.94%
ROIC N/A
ROA(3y)1.1%
ROA(5y)0.9%
ROE(3y)13.9%
ROE(5y)10.97%
ROIC(3y)N/A
ROIC(5y)N/A
BWFG Yearly ROA, ROE, ROICBWFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

BWFG's Profit Margin of 16.71% is on the low side compared to the rest of the industry. BWFG is outperformed by 70.10% of its industry peers.
In the last couple of years the Profit Margin of BWFG has grown nicely.
BWFG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 16.71%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y52.86%
PM growth 5Y4.71%
GM growth 3YN/A
GM growth 5YN/A
BWFG Yearly Profit, Operating, Gross MarginsBWFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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1

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 increased compared to 1 year ago.
The number of shares outstanding for BWFG has been increased compared to 5 years ago.
BWFG has a worse debt/assets ratio than last year.
BWFG Yearly Shares OutstandingBWFG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M
BWFG Yearly Total Debt VS Total AssetsBWFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

2.2 Solvency

BWFG has a debt to FCF ratio of 4.86. This is a neutral value as BWFG would need 4.86 years to pay back of all of its debts.
The Debt to FCF ratio of BWFG (4.86) is worse than 63.82% of its industry peers.
A Debt/Equity ratio of 0.26 indicates that BWFG is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.26, BWFG perfoms like the industry average, outperforming 40.45% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 4.86
Altman-Z N/A
ROIC/WACCN/A
WACC7.35%
BWFG Yearly LT Debt VS Equity VS FCFBWFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BWFG Yearly Current Assets VS Current LiabilitesBWFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M

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3

3. Growth

3.1 Past

BWFG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -57.97%.
Measured over the past years, BWFG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.34% on average per year.
BWFG shows a small growth in Revenue. In the last year, the Revenue has grown by 7.74%.
BWFG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.52% yearly.
EPS 1Y (TTM)-57.97%
EPS 3Y84.23%
EPS 5Y14.34%
EPS Q2Q%-80.8%
Revenue 1Y (TTM)7.74%
Revenue growth 3Y19.83%
Revenue growth 5Y10.52%
Sales Q2Q%-6.83%

3.2 Future

BWFG is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.73% yearly.
The Revenue is expected to grow by 3.24% on average over the next years.
EPS Next Y-67.18%
EPS Next 2Y-11.98%
EPS Next 3Y-0.73%
EPS Next 5YN/A
Revenue Next Year-10.07%
Revenue Next 2Y-0.96%
Revenue Next 3Y3.24%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
BWFG Yearly Revenue VS EstimatesBWFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
BWFG Yearly EPS VS EstimatesBWFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4 5

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 15.06 indicates a correct valuation of BWFG.
Compared to the rest of the industry, the Price/Earnings ratio of BWFG indicates a slightly more expensive valuation: BWFG is more expensive than 64.07% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.29, BWFG is valued a bit cheaper.
BWFG is valuated reasonably with a Price/Forward Earnings ratio of 8.08.
BWFG's Price/Forward Earnings ratio is rather cheap when compared to the industry. BWFG is cheaper than 89.95% of the companies in the same industry.
BWFG is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.44, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 15.06
Fwd PE 8.08
BWFG Price Earnings VS Forward Price EarningsBWFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BWFG is valued a bit more expensive than 60.80% of the companies in the same industry.
Industry RankSector Rank
P/FCF 16.15
EV/EBITDA N/A
BWFG Per share dataBWFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.05
EPS Next 2Y-11.98%
EPS Next 3Y-0.73%

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5

5. Dividend

5.1 Amount

BWFG has a Yearly Dividend Yield of 2.71%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.22, BWFG has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.28, BWFG has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.71%

5.2 History

The dividend of BWFG is nicely growing with an annual growth rate of 10.69%!
BWFG has been paying a dividend for at least 10 years, so it has a reliable track record.
As BWFG did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)10.69%
Div Incr Years0
Div Non Decr Years9
BWFG Yearly Dividends per shareBWFG Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6

5.3 Sustainability

33.77% of the earnings are spent on dividend by BWFG. This is a low number and sustainable payout ratio.
DP33.77%
EPS Next 2Y-11.98%
EPS Next 3Y-0.73%
BWFG Yearly Income VS Free CF VS DividendBWFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M 40M 60M
BWFG Dividend Payout.BWFG Dividend Payout, showing the Payout Ratio.BWFG Dividend Payout.PayoutRetained Earnings

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BANKWELL FINANCIAL GROUP INC

NASDAQ:BWFG (1/22/2025, 11:42:43 AM)

29.36

-0.47 (-1.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-28 2024-10-28/amc
Earnings (Next)01-22 2025-01-22/amc
Inst Owners45.64%
Inst Owner Change0.7%
Ins Owners9.93%
Ins Owner Change-0.02%
Market Cap230.77M
Analysts82.86
Price Target40.8 (38.96%)
Short Float %1.48%
Short Ratio6.03
Dividend
Industry RankSector Rank
Dividend Yield 2.71%
Yearly Dividend0.8
Dividend Growth(5Y)10.69%
DP33.77%
Div Incr Years0
Div Non Decr Years9
Ex-DateN/A
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)11.11%
PT rev (3m)17.65%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-19.33%
EPS NY rev (1m)0%
EPS NY rev (3m)-24.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.29%
Valuation
Industry RankSector Rank
PE 15.06
Fwd PE 8.08
P/S 2.07
P/FCF 16.15
P/OCF 15.28
P/B 0.86
P/tB 0.87
EV/EBITDA N/A
EPS(TTM)1.95
EY6.64%
EPS(NY)3.63
Fwd EY12.37%
FCF(TTM)1.82
FCFY6.19%
OCF(TTM)1.92
OCFY6.54%
SpS14.16
BVpS34.09
TBVpS33.76
PEG (NY)N/A
PEG (5Y)1.05
Profitability
Industry RankSector 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)1.1%
ROA(5y)0.9%
ROE(3y)13.9%
ROE(5y)10.97%
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 3Y52.86%
PM growth 5Y4.71%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector 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
WACC7.35%
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)142.8%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-57.97%
EPS 3Y84.23%
EPS 5Y14.34%
EPS Q2Q%-80.8%
EPS Next Y-67.18%
EPS Next 2Y-11.98%
EPS Next 3Y-0.73%
EPS Next 5YN/A
Revenue 1Y (TTM)7.74%
Revenue growth 3Y19.83%
Revenue growth 5Y10.52%
Sales Q2Q%-6.83%
Revenue Next Year-10.07%
Revenue Next 2Y-0.96%
Revenue Next 3Y3.24%
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-79.33%
FCF growth 3YN/A
FCF growth 5Y12.44%
OCF growth 1Y-78.24%
OCF growth 3YN/A
OCF growth 5Y9.83%