(BWFG) Bankwell Financial - Ratings and Ratios
Deposits, Loans, Mortgages, Commercial Real Estate
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.56% |
| Yield on Cost 5y | 4.90% |
| Yield CAGR 5y | 9.33% |
| Payout Consistency | 99.0% |
| Payout Ratio | 22.2% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 30.2% |
| Value at Risk 5%th | 47.0% |
| Relative Tail Risk | -5.46% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.62 |
| Alpha | 46.07 |
| CAGR/Max DD | 0.80 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.517 |
| Beta | 0.979 |
| Beta Downside | 0.998 |
| Drawdowns 3y | |
|---|---|
| Max DD | 31.11% |
| Mean DD | 10.79% |
| Median DD | 10.15% |
Description: BWFG Bankwell Financial October 27, 2025
Bankwell Financial Group, Inc. (NASDAQ: BWFG) is a Connecticut-based bank holding company that operates Bankwell Bank, offering a full suite of depository products (checking, savings, money-market, CDs) and a diversified loan portfolio that includes residential mortgages, home-equity lines, commercial-real-estate (CRE) loans, construction financing, land loans, and business credit facilities.
The bank maintains a localized branch network in New Canaan, Stamford, Fairfield, Westport, Darien, Norwalk, and Hamden, positioning itself as a community-focused regional lender serving both individual and commercial customers throughout the Greater New York metropolitan area.
As of Q2 2024, Bankwell reported total assets of approximately $3.2 billion, a net interest margin (NIM) of 4.3 %-slightly above the regional-bank average of 3.9 %-and a loan-to-deposit ratio of 78 %, indicating a conservative funding profile. The loan book is weighted 55 % toward residential mortgages, 25 % toward CRE, and the remainder in consumer and commercial credit, making the company sensitive to Fed policy cycles and Connecticut’s housing market dynamics. Recent earnings showed a 12 % YoY increase in net income, driven by higher interest-rate spreads and modest loan-growth of 4 % YoY.
For a deeper quantitative view, consider reviewing BWFG’s profile on ValueRay, where you’ll find up-to-date earnings metrics, valuation multiples, and peer-group analysis to inform your next research step.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (29.0m TTM) > 0 and > 6% of Revenue (6% = 12.2m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.60pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1201 % (prev -1159 %; Δ -41.62pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 35.0m > Net Income 29.0m (YES >=105%, WARN >=100%) |
| Net Debt (-145.0m) to EBITDA (42.4m) ratio: -3.42 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.12 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (7.84m) change vs 12m ago 1.60% (target <= -2.0% for YES) |
| Gross Margin 46.05% (prev 36.47%; Δ 9.58pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.32% (prev 6.25%; Δ 0.08pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.37 (EBITDA TTM 42.4m / Interest Expense TTM 103.4m) >= 6 (WARN >= 3) |
Altman Z'' -4.56
| (A) -0.75 = (Total Current Assets 325.1m - Total Current Liabilities 2.76b) / Total Assets 3.24b |
| (B) 0.05 = Retained Earnings (Balance) 174.0m / Total Assets 3.24b |
| (C) 0.01 = EBIT TTM 38.3m / Avg Total Assets 3.20b |
| (D) 0.10 = Book Value of Equity 292.8m / Total Liabilities 2.95b |
| Total Rating: -4.56 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 63.82
| 1. Piotroski 4.0pt |
| 2. FCF Yield 15.51% |
| 3. FCF Margin 16.84% |
| 4. Debt/Equity 0.49 |
| 5. Debt/Ebitda -3.42 |
| 6. ROIC - WACC (= -3.64)% |
| 7. RoE 10.35% |
| 8. Rev. Trend 83.63% |
| 9. EPS Trend -37.05% |
What is the price of BWFG shares?
Over the past week, the price has changed by +5.60%, over one month by +17.26%, over three months by +12.46% and over the past year by +72.20%.
Is BWFG a buy, sell or hold?
- Strong Buy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the BWFG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 49.8 | -3.3% |
| Analysts Target Price | 49.8 | -3.3% |
| ValueRay Target Price | 63.7 | 23.8% |
BWFG Fundamental Data Overview December 16, 2025
P/E Trailing = 13.3497
P/E Forward = 8.1367
P/S = 4.0823
P/B = 1.3146
Beta = 0.7
Revenue TTM = 202.5m USD
EBIT TTM = 38.3m USD
EBITDA TTM = 42.4m USD
Long Term Debt = 144.6m USD (from longTermDebt, last quarter)
Short Term Debt = 75.0m USD (from shortTermDebt, last quarter)
Debt = 144.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -145.0m USD (from netDebt column, last quarter)
Enterprise Value = 220.0m USD (384.9m + Debt 144.6m - CCE 309.5m)
Interest Coverage Ratio = 0.37 (Ebit TTM 38.3m / Interest Expense TTM 103.4m)
FCF Yield = 15.51% (FCF TTM 34.1m / Enterprise Value 220.0m)
FCF Margin = 16.84% (FCF TTM 34.1m / Revenue TTM 202.5m)
Net Margin = 14.33% (Net Income TTM 29.0m / Revenue TTM 202.5m)
Gross Margin = 46.05% ((Revenue TTM 202.5m - Cost of Revenue TTM 109.3m) / Revenue TTM)
Gross Margin QoQ = 51.05% (prev 52.03%)
Tobins Q-Ratio = 0.07 (Enterprise Value 220.0m / Total Assets 3.24b)
Interest Expense / Debt = 17.01% (Interest Expense 24.6m / Debt 144.6m)
Taxrate = 25.23% (3.40m / 13.5m)
NOPAT = 28.7m (EBIT 38.3m * (1 - 25.23%))
Current Ratio = 0.12 (Total Current Assets 325.1m / Total Current Liabilities 2.76b)
Debt / Equity = 0.49 (Debt 144.6m / totalStockholderEquity, last quarter 292.8m)
Debt / EBITDA = -3.42 (Net Debt -145.0m / EBITDA 42.4m)
Debt / FCF = -4.25 (Net Debt -145.0m / FCF TTM 34.1m)
Total Stockholder Equity = 280.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.89% (Net Income 29.0m / Total Assets 3.24b)
RoE = 10.35% (Net Income TTM 29.0m / Total Stockholder Equity 280.5m)
RoCE = 9.01% (EBIT 38.3m / Capital Employed (Equity 280.5m + L.T.Debt 144.6m))
RoIC = 6.82% (NOPAT 28.7m / Invested Capital 420.0m)
WACC = 10.47% (E(384.9m)/V(529.5m) * Re(9.62%) + D(144.6m)/V(529.5m) * Rd(17.01%) * (1-Tc(0.25)))
Discount Rate = 9.62% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.26%
[DCF Debug] Terminal Value 69.10% ; FCFE base≈26.2m ; Y1≈21.7m ; Y5≈15.8m
Fair Price DCF = 28.45 (DCF Value 224.1m / Shares Outstanding 7.88m; 5y FCF grow -20.76% → 3.0% )
EPS Correlation: -37.05 | EPS CAGR: 6.87% | SUE: 0.82 | # QB: 0
Revenue Correlation: 83.63 | Revenue CAGR: 25.40% | SUE: 0.75 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.17 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=3
EPS next Year (2026-12-31): EPS=5.18 | Chg30d=+0.000 | Revisions Net=+2 | Growth EPS=+15.6% | Growth Revenue=+13.7%
Additional Sources for BWFG Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle