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Upturn AI SWOT - About
BWFG 
Bankwell Financial Group Inc (BWFG)
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Upturn Advisory Summary
10/15/2025: BWFG (1-star) is a SELL. SELL since 5 days. Simulated Profits (28.19%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $45
1 Year Target Price $45
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.21% | Avg. Invested days 47 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 320.45M USD | Price to earnings Ratio 15.41 | 1Y Target Price 45 |
Price to earnings Ratio 15.41 | 1Y Target Price 45 | ||
Volume (30-day avg) 1 | Beta 0.67 | 52 Weeks Range 26.11 - 46.84 | Updated Date 10/17/2025 |
52 Weeks Range 26.11 - 46.84 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 1.87% | Basic EPS (TTM) 2.64 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 1.06 | Actual - |
Profitability
Profit Margin 25.52% | Operating Margin (TTM) 47.41% |
Management Effectiveness
Return on Assets (TTM) 0.65% | Return on Equity (TTM) 7.58% |
Valuation
Trailing PE 15.41 | Forward PE 8.14 | Enterprise Value 133422472 | Price to Sales(TTM) 3.92 |
Enterprise Value 133422472 | Price to Sales(TTM) 3.92 | ||
Enterprise Value to Revenue 5.24 | Enterprise Value to EBITDA - | Shares Outstanding 7877443 | Shares Floating 6190951 |
Shares Outstanding 7877443 | Shares Floating 6190951 | ||
Percent Insiders 10.01 | Percent Institutions 52.34 |
Upturn AI SWOT
Bankwell Financial Group Inc
Company Overview
History and Background
Bankwell Financial Group, Inc. was founded in 2002. It has grown through organic expansion and strategic acquisitions, focusing on providing commercial and consumer banking services in Connecticut.
Core Business Areas
- Commercial Banking: Offers loans, deposit accounts, and other financial services to businesses of various sizes.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and other consumer loans.
- Wealth Management: Delivers wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure consists of various departments focusing on different business areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share information is regionally focused in Connecticut. Competitors include larger national and regional banks like JPM and Webster Financial (WBS).
- Mortgage Loans: Offers mortgage loans to individuals for home purchases and refinancing. Market share information is regionally focused in Connecticut. Competitors include large national mortgage lenders.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competitors include traditional banks and online banking platforms.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate fluctuations, regulatory changes, and increasing competition from fintech companies.
Positioning
Bankwell Financial Group Inc. positions itself as a community-focused bank with a strong emphasis on customer service and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in Connecticut is significant, but information is difficult to pinpoint to one value. Bankwell focuses on specific niches within this TAM, leveraging its local presence.
Upturn SWOT Analysis
Strengths
- Strong local market presence in Connecticut
- Experienced management team
- Strong customer relationships
- Sound asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Dependence on local economy
Opportunities
- Expansion into new markets within Connecticut
- Increased adoption of digital banking services
- Growth in wealth management business
- Acquisition of smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan demand
- Rising interest rates affecting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- WBS
- USB
- JPM
- C
- BOA
Competitive Landscape
Bankwell Financial Group Inc. faces competition from larger national and regional banks, as well as online lenders. It differentiates itself through personalized service and local market expertise.
Growth Trajectory and Initiatives
Historical Growth: Data currently unavailable without external source.
Future Projections: Data currently unavailable without external source.
Recent Initiatives: Focus on digital transformation and expansion of wealth management services.
Summary
Bankwell Financial Group is a community-focused bank in Connecticut that shows potential for growth through strategic initiatives and customer relationships. The bank needs to be vigilant about economic challenges and increased competition. Continued focus on digital transformation and wealth management could benefit the business, but small market share and geographical location is a possible long term threat. Bankwell's overall health depends on its ability to manage these factors effectively and increase profit.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share estimates are approximate.
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 | CEO & Director Mr. Christopher R. Gruseke | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 160 | Website https://www.mybankwell.com |
Full time employees 160 | Website https://www.mybankwell.com | ||
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 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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