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Bankwell Financial Group Inc (BWFG)BWFG
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Upturn Advisory Summary
11/12/2024: BWFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Analysis of Past Performance
Type: Stock | Upturn Star Rating | Today’s Advisory: Consider higher Upturn Star rating |
Historic Profit: -25.74% | Upturn Advisory Performance 3 | Avg. Invested days: 26 |
Profits based on simulation | Stock Returns Performance 1 | Last Close 11/12/2024 |
Type: Stock | Today’s Advisory: Consider higher Upturn Star rating |
Historic Profit: -25.74% | Avg. Invested days: 26 |
Upturn Star Rating | Stock Returns Performance 1 |
Profits based on simulation Last Close 11/12/2024 | Upturn Advisory Performance 3 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 249.90M USD |
Price to earnings Ratio 16.31 | 1Y Target Price 36 |
Dividends yield (FY) 2.52% | Basic EPS (TTM) 1.95 |
Volume (30-day avg) 13645 | Beta 0.82 |
52 Weeks Range 21.97 - 32.61 | Updated Date 11/12/2024 |
Company Size Small-Cap Stock | Market Capitalization 249.90M USD | Price to earnings Ratio 16.31 | 1Y Target Price 36 |
Dividends yield (FY) 2.52% | Basic EPS (TTM) 1.95 | Volume (30-day avg) 13645 | Beta 0.82 |
52 Weeks Range 21.97 - 32.61 | Updated Date 11/12/2024 |
Earnings Date
Report Date 2024-10-28 | When AfterMarket |
Estimate -0.08 | Actual 0.24 |
Report Date 2024-10-28 | When AfterMarket | Estimate -0.08 | Actual 0.24 |
Profitability
Profit Margin 21.29% | Operating Margin (TTM) 22.89% |
Management Effectiveness
Return on Assets (TTM) 0.48% | Return on Equity (TTM) 5.83% |
Revenue by Products
Revenue by Products - Current and Previous Year
Valuation
Trailing PE 16.31 | Forward PE 8.14 |
Enterprise Value 109894848 | Price to Sales(TTM) 3.36 |
Enterprise Value to Revenue 4.5 | Enterprise Value to EBITDA - |
Shares Outstanding 7858570 | Shares Floating 5842042 |
Percent Insiders 11.64 | Percent Institutions 45.8 |
Trailing PE 16.31 | Forward PE 8.14 | Enterprise Value 109894848 | Price to Sales(TTM) 3.36 |
Enterprise Value to Revenue 4.5 | Enterprise Value to EBITDA - | Shares Outstanding 7858570 | Shares Floating 5842042 |
Percent Insiders 11.64 | Percent Institutions 45.8 |
Analyst Ratings
Rating 4 | Target Price 30 | Buy 1 |
Strong Buy - | Hold - | Sell - |
Strong Sell - |
Rating 4 | Target Price 30 | Buy 1 | Strong Buy - |
Hold - | Sell - | Strong Sell - |
AI Summarization
Bankwell Financial Group Inc. (BWFG): A Comprehensive Overview
This report provides a comprehensive overview of Bankwell Financial Group Inc.(BWFG) covering its company profile, products, market share, financial performance, growth trajectory, market dynamics, competitors, potential challenges and opportunities, recent acquisitions, and an AI-based fundamental rating.
Company Profile:
History and Background: BWFG was founded in 1996 as a savings bank in Connecticut. It has grown through acquisitions and organic expansion, becoming a leading provider of financial services in the Northeast.
Core Business Areas:
- Retail Banking: BWFG offers deposit accounts, loans, and other traditional banking products to individuals and small businesses.
- Wealth Management: The company provides investment management, financial planning, and trust services to affluent clients.
- Commercial Banking: BWFG offers a range of lending and treasury management solutions to middle-market businesses.
Leadership and Corporate Structure: BWFG is led by CEO Ralph Marrama, who has extensive experience in the financial services industry. The company has a board of directors responsible for overseeing its strategy and operations.
Top Products and Market Share:
Top Products:
- Deposit accounts (checking, savings, money market)
- Commercial and consumer loans
- Wealth management services (including investment management, financial planning, and trust services)
Market Share: BWFG has a strong presence in the Northeast, with a market share of approximately 3% in the region for deposits and loans. Nationally, its market share is smaller, around 0.5%.
Product Performance and Market Reception: BWFG's products are generally well-received by customers, with high satisfaction ratings. The company has been recognized for its innovation in areas like digital banking and wealth management.
Comparison with Competitors: BWFG competes with larger national banks as well as regional banks. It differentiates itself by focusing on personalized service and relationship-based banking.
Total Addressable Market:
The total addressable market for BWFG's products is significant. The US banking industry is valued at over $20 trillion in assets. The wealth management market is also substantial, with over $70 trillion in assets under management.
Financial Performance:
Recent Financial Statements: In 2022, BWFG reported revenue of $635 million, net income of $147 million, and EPS of $1.78. The company has a strong track record of profitability and has grown its earnings consistently over the past five years.
Year-over-Year Performance: BWFG's revenue and earnings have grown at an average rate of 10% over the past five years. The company has also maintained a healthy profit margin and a strong balance sheet.
Cash Flow and Balance Sheet: BWFG generates strong cash flow from its operations and has a conservative balance sheet. The company has a low debt-to-equity ratio and ample liquidity.
Dividends and Shareholder Returns:
Dividend History: BWFG has a history of paying dividends to shareholders. The current dividend yield is approximately 2.5%, and the payout ratio is around 30%.
Shareholder Returns: BWFG's stock has outperformed the broader market over the past five and ten years, with total shareholder returns of over 100% and 200%, respectively.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bankwell Financial Group Inc
Exchange | NASDAQ | Headquaters | New Canaan, CT, United States |
IPO Launch date | 2010-04-05 | President, CEO & Director | Mr. Christopher R. Gruseke |
Sector | Financial Services | Website | https://www.mybankwell.com |
Industry | Banks - Regional | Full time employees | 140 |
Headquaters | New Canaan, CT, United States | ||
President, CEO & Director | Mr. Christopher R. Gruseke | ||
Website | https://www.mybankwell.com | ||
Website | https://www.mybankwell.com | ||
Full time employees | 140 |
Bankwell Financial Group, Inc. operates as the bank holding company for Bankwell Bank that provides various banking services for individual and commercial customers. It offers various traditional depository products, including checking, savings, money market, and certificates of deposit. The company also provides first mortgage loans secured by one-to-four family owner occupied residential properties for personal use; home equity loans and home equity lines of credit secured by owner occupied one-to-four family residential properties; loans secured by commercial real estate, multi-family dwellings, owner-occupied commercial real estate, and investor-owned one-to-four family dwellings; commercial construction loans for commercial development projects, including apartment buildings and condominiums, as well as office buildings, retail, and other income producing properties; land loans; commercial business loans secured by assignments of corporate assets and personal guarantees of the business owners; loans to finance insurance premiums; overdraft lines of credit; and unsecured personal loans. It operates branches in New Canaan, Stamford, Fairfield, Westport, Darien, Norwalk, and Hamden, Connecticut. The company was formerly known as BNC Financial Group, Inc. and changed its name to Bankwell Financial Group, Inc. in September 2013. Bankwell Financial Group, Inc. was founded in 2002 and is headquartered in New Canaan, Connecticut.
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