A Business at a Glance
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Bankwell Financial Group, Inc.
BWFG
$486M
Mkt Cap
$62.21
+2.71%
Bankwell Financial Group, Inc. (BWFG) has a current P/E ratio of 17.0, compared to its historical median P/E of 10.4. The stock is currently considered Fair based on its historical valuation range.
Bankwell Financial Group, Inc. (BWFG) has a 5-year average return on invested capital (ROIC) of 10.3%. This indicates solid capital allocation.
Bankwell Financial Group, Inc. (BWFG) has a market capitalization of $496M. It is classified as a small-cap stock.
Yes, Bankwell Financial Group, Inc. (BWFG) pays a dividend with a trailing twelve-month yield of 1.27%. The company also returns capital through share buybacks, with a buyback yield of 0.12%.
Based on historical P/E analysis, Bankwell Financial Group, Inc. (BWFG) appears fair. The current P/E of 17.0 is 63% above its historical median of 10.4. The estimated fair value CAGR (P/E method) is 11.6%.
Bankwell Financial Group, Inc. (BWFG) operates in the State Commercial Banks industry, within the Financials sector.
Cautionary Note Regarding Forward-Looking Statements This report contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, or the Securities Act, and Section 21E of the Securities Exchange Act of 1934, or the Exchange Act. These statements are often, but not always, made with the words or phrases such as “may,” “should,” “believe,” “likely result in,” “expect,” “would,” “intend,” “could,” “predict,” “potential,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “plan,” “projection,” and “outlook” or the negative version of those words or other similar words of a forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 115M | 208M | 196M | 193M | 121M | 87M |
| Net Income | 39M | 35M | 9.5M | 36M | 37M | 26M |
| EPS | $4.94 | $4.45 | $1.23 | $4.67 | $4.79 | $3.36 |
| Free Cash Flow | 31M | 27M | 29M | 30M | 78M | 35M |
| ROIC | -0.0% | 9.8% | 3.1% | 11.7% | 14.4% | 12.6% |
| Gross Margin | - | 54.8% | 36.7% | 54.6% | 76.3% | 84.4% |
| Debt/Equity | 0.22 | 0.83 | 1.00 | 1.12 | 0.55 | 0.17 |
| Dividends/Share | $0.79 | $0.80 | $0.80 | $0.80 | $0.80 | $0.64 |
| Operating Income | -269K | 48M | 13M | 48M | 48M | 34M |
| Operating Margin | -0.2% | 23.3% | 6.8% | 24.9% | 39.7% | 38.9% |
| ROE | 12.5% | 12.2% | 3.6% | 14.2% | 16.6% | 13.8% |
| Shares Outstanding | 8M | 8M | 8M | 8M | 8M | 8M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 39M | 54M | 64M | 76M | 84M | 88M | 80M | 87M | 121M | 193M | 196M | 208M | 115M |
| Gross Margin | 0.0% | 0.0% | 0.0% | 76.0% | 67.6% | 66.4% | 62.4% | 84.4% | 76.3% | 54.6% | 36.7% | 54.8% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 14M | 16M | 16M | 16M | 19M | 19M | 21M | 18M | 22M | 25M | 24M | 30M | 33M |
| EBIT | 588K | 711K | 18M | 938K | 21M | 1.4M | 1.1M | 34M | 48M | 48M | 13M | 48M | -269K |
| Op. Margin | 1.5% | 1.3% | 28.8% | 1.2% | 25.2% | 1.6% | 1.3% | 38.9% | 39.7% | 24.9% | 6.8% | 23.3% | -0.2% |
| Net Income | 4.5M | 8.9M | 12M | 14M | 17M | 18M | 5.8M | 26M | 37M | 36M | 9.5M | 35M | 39M |
| Net Margin | 11.5% | 16.4% | 19.4% | 18.2% | 20.8% | 20.7% | 7.2% | 30.0% | 30.3% | 18.5% | 4.9% | 16.7% | 34.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | -44K | -10K | -11K | -498K | 20K | -13K | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 4.5% | 6.2% | 7.5% | 7.7% | 9.0% | 9.0% | 2.8% | 12.6% | 14.4% | 11.7% | 3.1% | 9.8% | -0.0% |
| ROE | 4.5% | 6.8% | 8.9% | 9.0% | 10.4% | 10.2% | 3.2% | 13.8% | 16.6% | 14.2% | 3.6% | 12.2% | 12.5% |
| ROA | 0.5% | 0.7% | 0.8% | 0.8% | 0.9% | 1.0% | 0.3% | 1.1% | 1.3% | 1.1% | 0.3% | 1.0% | 1.2% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 9.2M | 13M | 17M | 21M | 20M | 6.6M | -1.5M | 35M | 83M | 32M | 30M | 28M | 32M |
| Free Cash Flow | 7.1M | 12M | 9.0M | 19M | 17M | 6.0M | -1.5M | 35M | 78M | 30M | 29M | 27M | 31M |
| Owner Earnings | 7.4M | 10M | 14M | 18M | 17M | 2.2M | -6.6M | 29M | 77M | 25M | 23M | 22M | 25M |
| CapEx | 2.0M | 938K | 8.4M | 1.9M | 3.4M | 645K | 0 | 0 | 5.0M | 2.0M | 613K | 1.1M | 1.5M |
| Maint. CapEx | 1.2M | 1.7M | 1.7M | 1.5M | 1.7M | 3.4M | 3.3M | 3.6M | 3.4M | 3.6M | 3.8M | 4.1M | 4.2M |
| Growth CapEx | 803K | 0 | 6.7M | 361K | 1.6M | 0 | N/A | N/A | 1.6M | 0 | 0 | 0 | 0 |
| D&A | 1.2M | 1.7M | 1.7M | 1.5M | 1.7M | 3.4M | 3.3M | 3.6M | 3.4M | 3.6M | 3.8M | 4.1M | 4.2M |
| CapEx/OCF | N/A | N/A | N/A | 9.1% | 16.8% | 9.7% | N/A | N/A | 6.0% | 6.4% | 2.0% | N/A | 4.7% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 110K | 376K | 1.7M | 2.1M | 3.8M | 4.1M | 4.4M | 5.0M | 6.2M | 6.2M | 6.3M | 6.3M | 6.3M |
| Dividend Yield | N/A | N/A | N/A | 1.0% | 1.8% | 2.2% | 3.6% | 2.6% | 2.8% | 3.3% | 3.1% | N/A | 1.3% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 988K | 1.0M | 5.1M | 5.5M | 0 | 2.1M | 1.3M | 572K |
| Buyback Yield | 0.0% | 0.0% | 0.0% | N/A | N/A | 0.5% | 0.8% | 2.2% | 2.7% | N/A | 0.9% | 0.0% | 0.1% |
| Stock-Based Comp | 573K | 1.0M | 1.2M | 917K | 1.3M | 1.0M | 1.8M | 1.8M | 2.4M | 3.1M | 3.0M | 2.3M | 3.2M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | -104M | -159M | -159M | -170M | -154M | -491M | -419M | -347M | -99M | -184M | -167M | -336M |
| Cash & Equiv. | 49M | 89M | 96M | 71M | 78M | 78M | 410M | 345M | 356M | 269M | 308M | 225M | 405M |
| Long-Term Debt | N/A | 25M | 25M | 25M | 25M | 25M | 25M | 34M | 34M | 69M | 69M | 70M | 70M |
| Debt/Equity | 7.51 | 0.19 | 0.17 | 0.16 | 0.14 | 0.14 | 0.14 | 0.17 | 0.55 | 1.12 | 1.00 | 0.83 | 0.22 |
| Interest Coverage | 0.0 | 0.0 | 0.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Equity | 129M | 132M | 146M | 161M | 174M | 182M | 177M | 202M | 238M | 266M | 271M | 301M | 312M |
| Total Assets | 1.1B | 1.3B | 1.6B | 1.8B | 1.9B | 1.9B | 2.3B | 2.5B | 3.3B | 3.2B | 3.3B | 3.4B | 3.4B |
| Total Liabilities | 970M | 1.2B | 1.5B | 1.6B | 1.7B | 1.7B | 2.1B | 2.3B | 3.0B | 2.9B | 3.0B | 3.1B | 3.1B |
| Intangibles | 848K | 652K | 501K | 382K | 290K | 214K | 76K | 0 | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 10M | 19M | 30M | 41M | 55M | 69M | 71M | 92M | 124M | 149M | 153M | 182M | 191M |
| Working Capital | 0 | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | 0 | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | 0 | 0 | 0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.78 | 1.21 | 1.62 | 1.78 | 2.21 | 2.31 | 0.75 | 3.36 | 4.79 | 4.67 | 1.23 | 4.45 | 4.94 |
| Owner EPS | 1.29 | 1.42 | 1.90 | 2.33 | 2.15 | 0.28 | -0.85 | 3.75 | 10.07 | 3.30 | 2.99 | 2.79 | 3.09 |
| Book Value | 22.61 | 17.90 | 19.14 | 20.73 | 22.08 | 23.13 | 22.79 | 26.03 | 31.20 | 34.76 | 34.93 | 38.56 | 39.11 |
| Cash Flow/Share | 1.60 | 1.79 | 2.28 | 2.65 | 2.53 | 0.84 | -0.20 | 4.45 | 10.81 | 4.18 | 3.86 | 3.62 | 5.43 |
| Dividends/Share | 0.02 | 0.05 | 0.22 | 0.28 | 0.48 | 0.52 | 0.56 | 0.64 | 0.80 | 0.80 | 0.80 | 0.80 | 0.79 |
| Shares Out. | 5.7M | 7.4M | 7.6M | 7.8M | 7.9M | 7.9M | 7.7M | 7.8M | 7.6M | 7.6M | 7.7M | 7.8M | 8.0M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | 16.0 | 10.4 | 10.4 | 21.9 | 8.5 | 5.5 | 6.2 | 24.8 | N/A | 12.6 |
| P/FCF | N/A | N/A | N/A | 11.8 | 10.9 | 31.8 | N/A | 6.4 | 2.6 | 7.4 | 8.1 | N/A | 16.2 |
| EV/EBIT | N/A | N/A | N/A | 262.5 | 4.6 | 148.8 | 144.6 | 5.5 | 3.9 | 2.2 | 2.7 | N/A | N/A |
| Price/Book | N/A | N/A | N/A | 1.4 | 1.0 | 1.0 | 0.7 | 1.1 | 0.9 | 0.8 | 0.9 | N/A | 1.6 |
| Price/Sales | N/A | N/A | N/A | 3.6 | 3.4 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 4.3 |
| FCF Yield | N/A | N/A | N/A | 8.5% | 9.1% | 3.1% | -1.2% | 15.3% | 37.7% | 13.2% | 12.1% | N/A | 6.2% |
| Market Cap | 0 | 0 | 0 | 221M | 182M | 190M | 129M | 226M | 206M | 226M | 243M | 0 | 496M |
| Avg. Price | 0.00 | 0.00 | 0.00 | 27.23 | 25.99 | 23.97 | 15.67 | 24.46 | 29.26 | 24.46 | 26.28 | 0.00 | 62.21 |
| Year-End Price | 0.00 | 0.00 | 0.00 | 28.46 | 23.06 | 24.12 | 16.39 | 28.55 | 26.41 | 28.74 | 30.56 | 0.00 | 62.21 |
Bankwell Financial Group, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Bankwell Financial Group, Inc. trades at 17.0x trailing earnings, compared to its 15-year median P/E of 10.4x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 14.4x vs a median of 8.1x. The company's 5-year average ROIC is 10.3% with a gross margin of 61.4%. Total shareholder yield (dividends + buybacks) is 1.4%. At current prices, the estimated annualized return to fair value is +36.6%.
Bankwell Financial Group, Inc. (BWFG) reported annual revenue of $208 million in its most recent fiscal year, based on SEC EDGAR filings.
Bankwell Financial Group, Inc. (BWFG) has a net profit margin of 16.7%. This is a healthy margin.
Bankwell Financial Group, Inc. (BWFG) generated $27 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Bankwell Financial Group, Inc. (BWFG) has a debt-to-equity ratio of 0.83. This indicates moderate leverage.
Bankwell Financial Group, Inc. (BWFG) reported earnings per share (EPS) of $4.45 in its most recent fiscal year.
Bankwell Financial Group, Inc. (BWFG) has a return on equity (ROE) of 12.2%. This indicates moderate shareholder returns.
Bankwell Financial Group, Inc. (BWFG) has a 5-year average gross margin of 61.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 14 years of financial data for Bankwell Financial Group, Inc. (BWFG), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Bankwell Financial Group, Inc. (BWFG) has a book value per share of $38.56, based on its most recent annual SEC filing.