BWFG

Bankwell Financial Group, Inc.

Financial Services · USD

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71.23 USD +1.58 +2.27%
As of Oct 30, 2026 Extended hours 71.23 0.00%
Bid
71.16 × 2
Ask
71.35 × 2
69.43 Day range 71.50
42.93 52-week range 71.23
YTD
+55.46%
1 year
+64.62%
Open
70.35
Prev close
69.65
Mkt cap
567.84M
Vol
97.54K
Avg vol
67.19K
EPS
5.38
P/E
13.24
Div yield
2.51%
More statistics
Low
69.43
High
71.50
Forward P/E
8.73
Beta
0.82
Short ratio
4.89
Inst. own
46.92%
Dividend
0.80
Ex-div date
Nov 7, 2024
Earnings
Jan 22, 2025
50-d avg
31.22
200-d avg
27.30
1y target
40.00

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BWFG five-day price chart65.967.068.169.270.3Oct 23Oct 26Oct 27Oct 28Oct 29

Financial health

Altman Z-Score

1.47 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 3
  • P/B 2

Valuation

P/E 10.2×
FY 2016: 19.8×FY 2017: 19.1×FY 2018: 12.9×FY 2019: 12.4×FY 2020: 26.1×FY 2021: 9.7×FY 2022: 6.1×FY 2023: 6.4×FY 2024: 25.1×FY 2025: 10.2×
FY 2016 5y median 9.7× FY 2025
P/S 1.7×
FY 2016: 3.8×FY 2017: 3.4×FY 2018: 2.6×FY 2019: 2.5×FY 2020: 1.9×FY 2021: 2.9×FY 2022: 1.8×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 1.2×
FY 2016: 1.6×FY 2017: 1.6×FY 2018: 1.3×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.3×FY 2022: 0.9×FY 2023: 0.9×FY 2024: 0.9×FY 2025: 1.2×
FY 2016 5y median 0.9× FY 2025
P/FCF 13.1×
FY 2016: 26.8×FY 2017: 13.9×FY 2018: 13.3×FY 2019: 37.4×FY 2020: 82.8×FY 2021: 6.5×FY 2022: 2.9×FY 2023: 7.7×FY 2024: 8.2×FY 2025: 13.1×
FY 2016 5y median 7.7× FY 2025
EV/EBITDA 5.9×
FY 2016: 16.4×FY 2017: 15.5×FY 2018: 14.5×FY 2019: 12.2×FY 2020: -5.1×FY 2021: 1.2×FY 2022: 0.7×FY 2023: 2.3×FY 2024: 6.2×FY 2025: 5.9×
FY 2016 5y median 2.3× FY 2025
EV/Sales 1.5×
FY 2016: 5.2×FY 2017: 5.5×FY 2018: 3.9×FY 2019: 3.6×FY 2020: -0.7×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 1.5×
FY 2016 5y median 0.5× FY 2025
FCF Yield 7.6%
FY 2016: 3.7%FY 2017: 7.2%FY 2018: 7.5%FY 2019: 2.7%FY 2020: 1.2%FY 2021: 15.3%FY 2022: 34.9%FY 2023: 13.0%FY 2024: 12.2%FY 2025: 7.6%
FY 2016 5y median 13.0% FY 2025

Profitability

Gross Margin 51.6%
FY 2016: 75.2%FY 2017: 76.0%FY 2018: 67.6%FY 2019: 66.4%FY 2020: 62.4%FY 2021: 84.6%FY 2022: 76.3%FY 2023: 50.9%FY 2024: 32.9%FY 2025: 51.6%
FY 2016 5y median 51.6% FY 2025
Operating Margin 23.3%
FY 2016: 28.8%FY 2017: 33.1%FY 2018: 25.2%FY 2019: 26.0%FY 2020: 9.1%FY 2021: 38.9%FY 2022: 39.7%FY 2023: 24.9%FY 2024: 6.8%FY 2025: 23.3%
FY 2016 5y median 24.9% FY 2025
Net Margin 16.9%
FY 2016: 19.4%FY 2017: 18.2%FY 2018: 20.8%FY 2019: 20.7%FY 2020: 7.3%FY 2021: 30.5%FY 2022: 30.9%FY 2023: 19.0%FY 2024: 5.0%FY 2025: 16.9%
FY 2016 5y median 19.0% FY 2025
ROE 11.7%
FY 2016: 8.5%FY 2017: 8.6%FY 2018: 10.0%FY 2019: 10.0%FY 2020: 3.3%FY 2021: 13.2%FY 2022: 15.7%FY 2023: 13.8%FY 2024: 3.6%FY 2025: 11.7%
FY 2016 5y median 13.2% FY 2025
ROIC 1.9%
FY 2016: 3.7%FY 2017: 3.6%FY 2018: 4.9%FY 2019: 5.1%FY 2020: 1.6%FY 2021: 9.3%FY 2022: 9.4%FY 2023: 7.7%FY 2024: 2.0%FY 2025: 1.9%
FY 2016 5y median 7.7% FY 2025
ROA 1.0%
FY 2016: 0.8%FY 2017: 0.8%FY 2018: 0.9%FY 2019: 1.0%FY 2020: 0.3%FY 2021: 1.1%FY 2022: 1.2%FY 2023: 1.1%FY 2024: 0.3%FY 2025: 1.0%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 6.1%
FY 2016: 17.4%FY 2017: 19.1%FY 2018: 10.7%FY 2019: 5.0%FY 2020: -8.9%FY 2021: 8.3%FY 2022: 39.0%FY 2023: 59.8%FY 2024: 1.2%FY 2025: 6.1%
FY 2016 FY 2025
Operating Income 263.8%
FY 2016: 32.0%FY 2017: 37.2%FY 2018: -15.8%FY 2019: 8.5%FY 2020: -68.2%FY 2021: 363.8%FY 2022: 41.7%FY 2023: 0.1%FY 2024: -72.3%FY 2025: 263.8%
FY 2016 FY 2025
EPS (diluted) 261.8%
FY 2016: 33.9%FY 2017: 9.9%FY 2018: 24.2%FY 2019: 4.5%FY 2020: -67.5%FY 2021: 348.0%FY 2022: 42.6%FY 2023: -2.5%FY 2024: -73.7%FY 2025: 261.8%
FY 2016 FY 2025
Free Cash Flow -7.5%
FY 2016: -26.5%FY 2017: 108.4%FY 2018: -11.1%FY 2019: -64.0%FY 2020: -69.5%FY 2021: 2026.8%FY 2022: 100.2%FY 2023: -61.5%FY 2024: -1.9%FY 2025: -7.5%
FY 2016 FY 2025

Financial Health

Current Ratio 1.9×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.9×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 1.9×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.9×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.6×
FY 2016: 1.3×FY 2017: 1.4×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 1.1×FY 2021: 0.4×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA -0.9×
FY 2016: 4.4×FY 2017: 5.8×FY 2018: 4.8×FY 2019: 3.7×FY 2020: -19.4×FY 2021: -5.5×FY 2022: -3.6×FY 2023: -2.1×FY 2024: -7.8×FY 2025: -0.9×
FY 2016 5y median -3.6× FY 2025
Interest Coverage 0.5×
FY 2016: 1.5×FY 2017: 1.5×FY 2018: 0.9×FY 2019: 0.8×FY 2020: 0.3×FY 2021: 2.5×FY 2022: 2.1×FY 2023: 0.5×FY 2024: 0.1×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025

Dividends

Dividend Yield 1.8%
FY 2016: 0.7%FY 2017: 0.8%FY 2018: 1.7%FY 2019: 1.8%FY 2020: 2.9%FY 2021: 2.0%FY 2022: 2.8%FY 2023: 2.7%FY 2024: 2.6%FY 2025: 1.8%
FY 2016 5y median 2.6% FY 2025
Payout Ratio 17.8%
FY 2016: 13.4%FY 2017: 15.5%FY 2018: 21.6%FY 2019: 22.4%FY 2020: 74.3%FY 2021: 18.9%FY 2022: 16.5%FY 2023: 17.0%FY 2024: 64.3%FY 2025: 17.8%
FY 2016 5y median 17.8% FY 2025

Annual · latest fiscal year ends 2025-12-31