BWFG Stock Analysis: Bankwell Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 466m USD | 12M Return: 53.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.59M
EPS Trend: -14.9%
Qual. Beats: 0
Rev. Trend: 83.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Bankwell Financial Group, Inc. (BWFG) is a bank holding company headquartered in New Canaan, Connecticut, operating through its subsidiary, Bankwell Bank. Founded in 2002, the institution provides a range of retail and commercial banking services, including depository accounts and credit facilities. Its lending portfolio is diversified across residential mortgages, commercial real estate, multi-family dwellings, and commercial business loans.
As a regional bank, Bankwell generates a significant portion of its revenue through the net interest margin, which is the difference between interest earned on loans and interest paid on deposits. The company maintains a concentrated physical presence in Fairfield and New Haven counties, reflecting a community-focused business model that prioritizes local real estate and small business lending. Investors may find it useful to examine ValueRay for further data on this companys valuation metrics.
- Net interest margin compression driven by rising deposit costs and interest rates
- Commercial real estate concentration increases exposure to regional property market volatility
- Loan portfolio growth constrained by tightening credit standards and economic slowdown
- Asset quality stability depends on performance of multi-family and commercial loan segments
- Regulatory compliance costs and capital requirements impact dividend and buyback capacity
| Net Income: 39.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.15 > 1.0 |
| NWC/Revenue: 683.6% < 20% (prev -1.23k%; Δ 1.92k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 32.1m > Net Income 39.6m |
| Net Debt (-81.4m) to EBITDA (58.1m): -1.40 < 3 |
| Current Ratio: 1.90 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.80m) vs 12m ago 0.78% < -2% |
| Gross Margin: 54.60% > 18% (prev 35.17%; Δ 19.43% > 0.5%) |
| Asset Turnover: 6.46% > 50% (prev 6.17%; Δ 0.29% > 0%) |
| Interest Coverage Ratio: 0.56 > 6 (EBIT TTM 53.9m / Interest Expense TTM 96.6m) |
| A: 0.43 (Total Current Assets 3.06b - Total Current Liabilities 1.61b) / Total Assets 3.37b |
| B: 0.06 (Retained Earnings 191.3m / Total Assets 3.37b) |
| C: 0.02 (EBIT TTM 53.9m / Avg Total Assets 3.28b) |
| D: 0.10 (Book Value of Equity 311.9m / Total Liabilities 3.06b) |
| Altman-Z'' = 3.22 = A |
| DSRI: 3.0 (Receivables 2.85b/15.4m, Revenue 211.8m/196.5m) |
| GMI: 0.64 (GM 35.17% / 54.60%) |
| AQI: 0.10 (AQ_t 0.09 / AQ_t-1 0.89) |
| SGI: 1.08 (Revenue 211.8m / 196.5m) |
| TATA: 0.00 (NI 39.6m - CFO 32.1m) / TA 3.37b) |
| Beneish M = -2.18 (Cap -4..+1) = BB |
As of July 08, 2026, the stock is trading at USD 57.40 with a total of 88,376 shares traded. Over the past week, the price has changed by -4.03%, over one month by +6.30%, over three months by +13.63% and over the past year by +53.72%.
Current recommended Stop Loss: 55.10 (which is 4% or 1.3 ATR below the current price).
Bankwell Financial has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy BWFG.
- StrongBuy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 54.5 | -5.1% |
P/E Trailing = 11.7114
P/E Forward = 8.1367
P/S = 4.0366
P/B = 1.4982
Revenue TTM = 211.8m USD
EBIT TTM = 53.9m USD
EBITDA TTM = 58.1m USD
Long Term Debt = 129.8m USD (from longTermDebt, last quarter)
Short Term Debt = 60.0m USD (from shortTermDebt, last quarter)
Debt = 129.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -81.4m USD (calculated: Debt 129.8m - CCE 211.2m)
Enterprise Value = 384.6m USD (466.0m + Debt 129.8m - CCE 211.2m)
Interest Coverage Ratio = 0.56 (Ebit TTM 53.9m / Interest Expense TTM 96.6m)
EV/FCF = 12.59x (Enterprise Value 384.6m / FCF TTM 30.6m)
FCF Yield = 7.95% (FCF TTM 30.6m / Enterprise Value 384.6m)
FCF Margin = 14.42% (FCF TTM 30.6m / Revenue TTM 211.8m)
Net Margin = 18.69% (Net Income TTM 39.6m / Revenue TTM 211.8m)
Gross Margin = 54.60% ((Revenue TTM 211.8m - Cost of Revenue TTM 96.2m) / Revenue TTM)
Gross Margin QoQ = 58.19% (prev 55.03%)
Tobins Q-Ratio = 0.11 (Enterprise Value 384.6m / Total Assets 3.37b)
Interest Expense / Debt = 74.47% (Interest Expense 96.6m / Debt 129.8m)
Taxrate = 26.55% (14.3m / 53.9m)
NOPAT = 39.6m (EBIT 53.9m * (1 - 26.55%))
Current Ratio = 1.90 (Total Current Assets 3.06b / Total Current Liabilities 1.61b)
Debt / Equity = 0.42 (Debt 129.8m / totalStockholderEquity, last quarter 311.9m)
Debt / EBITDA = -1.40 (Net Debt -81.4m / EBITDA 58.1m)
Debt / FCF = -2.66 (Net Debt -81.4m / FCF TTM 30.6m)
Total Stockholder Equity = 297.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.21% (Net Income 39.6m / Total Assets 3.37b)
RoE = 13.31% (Net Income TTM 39.6m / Total Stockholder Equity 297.4m)
RoCE = 12.62% (EBIT 53.9m / Capital Employed (Equity 297.4m + L.T.Debt 129.8m))
RoIC = 1.18% (NOPAT 39.6m / Invested Capital 3.36b)
WACC = 6.24% (E(466.0m)/V(595.7m) * Re(7.98%) + (debt cost/tax rate unavailable))
Discount Rate = 7.98% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 77.78 | Cagr: 0.87%
[DCF] Terminal Value 77.97% ; FCFF base≈28.0m ; Y1≈32.1m ; Y5≈47.3m
[DCF] Fair Price = 99.41 (EV 711.2m - Net Debt -81.4m = Equity 792.6m / Shares 7.97m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -14.85 | EPS CAGR: -7.63% | SUE: 0.78 | # QB: 0
Revenue Correlation: 83.13 | Revenue CAGR: 6.24% | SUE: 0.69 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.29 | Chg30d=+0.00% | Revisions=+25% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.34 | Chg30d=-0.74% | Revisions=+25% | Analysts=3
EPS current Year (2026-12-31): EPS=5.42 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+21.7% | GrowthRev=+14.8%
EPS next Year (2027-12-31): EPS=5.59 | Chg30d=+0.00% | Revisions=+50% | GrowthEPS=+3.3% | GrowthRev=+6.8%
[Analyst] Revisions Ratio: +73% (up=8, down=0)