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BANKWELL FINANCIAL GROUP INC (BWFG) Stock Fundamental Analysis

NASDAQ:BWFG - Nasdaq - US06654A1034 - Common Stock - Currency: USD

31.9  +1.5 (+4.93%)

After market: 31.9 0 (0%)

Fundamental Rating

4

BWFG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. BWFG has a bad profitability rating. Also its financial health evaluation is rather negative. BWFG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

BWFG had positive earnings in the past year.
BWFG had a positive operating cash flow in the past year.
BWFG had positive earnings in each of the past 5 years.
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 2024 0 20M 40M 60M 80M

1.2 Ratios

With a Return On Assets value of 0.40%, BWFG is not doing good in the industry: 79.90% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 4.87%, BWFG is doing worse than 77.14% of the companies in the same industry.
Industry RankSector Rank
ROA 0.4%
ROE 4.87%
ROIC N/A
ROA(3y)0.84%
ROA(5y)0.77%
ROE(3y)10.77%
ROE(5y)9.7%
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 2024 5 10 15

1.3 Margins

BWFG has a Profit Margin of 12.09%. This is amonst the worse of the industry: BWFG underperforms 80.65% of its industry peers.
In the last couple of years the Profit Margin of BWFG has declined.
The Operating Margin and Gross Margin are not available for BWFG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 12.09%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-32.41%
PM growth 5Y-18.53%
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 2024 10 20 30

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3

2. Health

2.1 Basic Checks

BWFG does not have a ROIC to compare to the WACC, probably because it is not profitable.
BWFG has less shares outstanding than it did 1 year ago.
BWFG has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BWFG has been reduced compared to a year ago.
BWFG Yearly Shares OutstandingBWFG Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of BWFG is 2.37, which is a good value as it means it would take BWFG, 2.37 years of fcf income to pay off all of its debts.
BWFG has a Debt to FCF ratio (2.37) which is comparable to the rest of the industry.
BWFG has a Debt/Equity ratio of 0.26. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BWFG (0.26) is worse than 61.81% of its industry peers.
Even though the debt/equity ratio score it not favorable for BWFG, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.37
Altman-Z N/A
ROIC/WACCN/A
WACC7.15%
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 2024 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 2024 10M 20M 30M 40M 50M

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5

3. Growth

3.1 Past

The earnings per share for BWFG have decreased strongly by -59.11% in the last year.
Measured over the past years, BWFG shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -12.72% on average per year.
BWFG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.40%.
Measured over the past years, BWFG shows a quite strong growth in Revenue. The Revenue has been growing by 8.08% on average per year.
EPS 1Y (TTM)-59.11%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%81.25%
Revenue 1Y (TTM)-12.4%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%6.84%

3.2 Future

BWFG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 100.59% yearly.
Based on estimates for the next years, BWFG will show a quite strong growth in Revenue. The Revenue will grow by 12.92% on average per year.
EPS Next Y220.61%
EPS Next 2Y100.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.41%
Revenue Next 2Y12.92%
Revenue Next 3YN/A
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 20.32, which indicates a rather expensive current 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 79.40% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.92, BWFG is valued a bit cheaper.
A Price/Forward Earnings ratio of 6.72 indicates a rather cheap valuation of BWFG.
Based on the Price/Forward Earnings ratio, BWFG is valued cheaply inside the industry as 92.96% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 21.65. BWFG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 20.32
Fwd PE 6.72
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 cheaper than the industry average as 75.38% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.58
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

BWFG's 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 100.59% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)N/A
EPS Next 2Y100.59%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

BWFG has a Yearly Dividend Yield of 2.65%. Purely for dividend investing, there may be better candidates out there.
BWFG's Dividend Yield is slightly below the industry average, which is at 3.63.
BWFG's Dividend Yield is comparable with the S&P500 average which is at 2.51.
Industry RankSector Rank
Dividend Yield 2.65%

5.2 History

On average, the dividend of BWFG grows each year by 8.96%, which is quite nice.
BWFG has paid a dividend for at least 10 years, which is 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)8.96%
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 2025 0.2 0.4 0.6

5.3 Sustainability

BWFG pays out 47.66% of its income as dividend. This is a bit on the high side, but may be sustainable.
BWFG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP47.66%
EPS Next 2Y100.59%
EPS Next 3YN/A
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 2024 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 (4/24/2025, 8:00:00 PM)

After market: 31.9 0 (0%)

31.9

+1.5 (+4.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-23 2025-04-23/amc
Earnings (Next)07-22 2025-07-22/amc
Inst Owners49.87%
Inst Owner Change0.02%
Ins Owners10.55%
Ins Owner Change4.1%
Market Cap251.69M
Analysts82.86
Price Target40.8 (27.9%)
Short Float %1.46%
Short Ratio7.1
Dividend
Industry RankSector Rank
Dividend Yield 2.65%
Yearly Dividend0.8
Dividend Growth(5Y)8.96%
DP47.66%
Div Incr Years0
Div Non Decr Years9
Ex-Date02-11 2025-02-11 (0.2)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)171.23%
Min EPS beat(2)-51.66%
Max EPS beat(2)394.12%
EPS beat(4)2
Avg EPS beat(4)86.58%
Min EPS beat(4)-51.66%
Max EPS beat(4)394.12%
EPS beat(8)6
Avg EPS beat(8)55.81%
EPS beat(12)9
Avg EPS beat(12)41.59%
EPS beat(16)13
Avg EPS beat(16)33.73%
Revenue beat(2)0
Avg Revenue beat(2)-4.74%
Min Revenue beat(2)-6.23%
Max Revenue beat(2)-3.25%
Revenue beat(4)1
Avg Revenue beat(4)-3.01%
Min Revenue beat(4)-6.74%
Max Revenue beat(4)4.18%
Revenue beat(8)5
Avg Revenue beat(8)2%
Revenue beat(12)8
Avg Revenue beat(12)3.39%
Revenue beat(16)10
Avg Revenue beat(16)2.84%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)4.13%
Revenue NQ rev (1m)0.18%
Revenue NQ rev (3m)1.5%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)3.97%
Valuation
Industry RankSector Rank
PE 20.32
Fwd PE 6.72
P/S 2.31
P/FCF 8.58
P/OCF 8.41
P/B 0.93
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)1.57
EY4.92%
EPS(NY)4.75
Fwd EY14.88%
FCF(TTM)3.72
FCFY11.65%
OCF(TTM)3.79
OCFY11.89%
SpS13.82
BVpS34.29
TBVpS33.96
PEG (NY)0.09
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.4%
ROE 4.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.09%
GM N/A
FCFM 26.89%
ROA(3y)0.84%
ROA(5y)0.77%
ROE(3y)10.77%
ROE(5y)9.7%
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-32.41%
PM growth 5Y-18.53%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.26
Debt/FCF 2.37
Debt/EBITDA N/A
Cap/Depr 16.24%
Cap/Sales 0.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 222.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.15%
ROIC/WACCN/A
Cap/Depr(3y)73.29%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.61%
Cap/Sales(5y)N/A
Profit Quality(3y)201.23%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-59.11%
EPS 3Y-29.45%
EPS 5Y-12.72%
EPS Q2Q%81.25%
EPS Next Y220.61%
EPS Next 2Y100.59%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-12.4%
Revenue growth 3Y5.76%
Revenue growth 5Y8.08%
Sales Q2Q%6.84%
Revenue Next Year13.41%
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-1.87%
FCF growth 3Y-5.33%
FCF growth 5Y37.44%
OCF growth 1Y-6.24%
OCF growth 3Y-4.68%
OCF growth 5Y35.19%