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Upturn AI SWOT - About
BWFG 
Bankwell Financial Group Inc (BWFG)
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Upturn Advisory Summary
08/28/2025: BWFG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 22.14% | Avg. Invested days 43 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 334.55M USD | Price to earnings Ratio 16.09 | 1Y Target Price 45 |
Price to earnings Ratio 16.09 | 1Y Target Price 45 | ||
Volume (30-day avg) 1 | Beta 0.69 | 52 Weeks Range 26.11 - 43.38 | Updated Date 08/29/2025 |
52 Weeks Range 26.11 - 43.38 | Updated Date 08/29/2025 | ||
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 - | When - | Estimate - | 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 16.09 | Forward PE 8.14 | Enterprise Value 147191760 | Price to Sales(TTM) 4.09 |
Enterprise Value 147191760 | Price to Sales(TTM) 4.09 | ||
Enterprise Value to Revenue 5.2 | Enterprise Value to EBITDA - | Shares Outstanding 7877440 | Shares Floating 6220874 |
Shares Outstanding 7877440 | Shares Floating 6220874 | ||
Percent Insiders 11.4 | Percent Institutions 51.72 |
Upturn AI SWOT
Bankwell Financial Group Inc
Company Overview
History and Background
Bankwell Financial Group Inc. was founded in 2002. Initially focused on serving the needs of businesses and families in Fairfield County, Connecticut, Bankwell has grown through organic expansion and strategic acquisitions to become a prominent regional bank.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and cash management services to businesses of all sizes.
- Retail Banking: Offers personal checking and savings accounts, mortgage loans, home equity lines of credit, and other consumer banking products.
- Wealth Management: Provides financial planning, investment management, and trust services to high-net-worth individuals and families.
Leadership and Structure
Blake S. Wilson is the President and CEO. The organizational structure includes executive leadership overseeing commercial banking, retail banking, wealth management, and support functions such as finance, risk management, and technology.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial real estate projects, including office buildings, retail spaces, and industrial properties. Market share data is difficult to obtain specifically for Bankwell's CRE loans. Competitors include larger national and regional banks like People's United Bank (acquired by M&T Bank), Webster Bank, and local credit unions.
- Small Business Loans: Loans and lines of credit for small businesses to support working capital, equipment purchases, and expansion. Market share data is difficult to obtain specifically for Bankwell's small business loans. Competitors include large national banks, online lenders and other regional banks
- Mortgage Loans: Residential mortgage loans for home purchases and refinances. Market share data is difficult to obtain specifically for Bankwell's mortgage loans. Competitors include large national banks, credit unions, and mortgage brokers.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, technological disruption, and intense competition. Regional banks are facing pressure to innovate and adapt to changing customer expectations.
Positioning
Bankwell positions itself as a relationship-focused bank providing personalized service and local expertise. Its competitive advantages include its strong presence in affluent markets, experienced management team, and commitment to community involvement.
Total Addressable Market (TAM)
The TAM for banking services in Bankwell's geographic footprint is substantial, encompassing commercial lending, retail banking, and wealth management. Bankwell is positioned to capture a share of this TAM by focusing on relationship banking and offering specialized services.
Upturn SWOT Analysis
Strengths
- Strong presence in affluent markets
- Experienced management team
- Commitment to community involvement
- Solid asset quality
- Strong relationship-based banking model
Weaknesses
- Smaller scale compared to larger regional and national banks
- Limited geographic diversification
- Higher cost structure than some competitors
Opportunities
- Expansion into new markets through organic growth or acquisitions
- Increased adoption of digital banking technologies
- Growing demand for wealth management services
- Capitalizing on disruption in the financial industry
Threats
- Rising interest rates
- Increasing regulatory scrutiny
- Intense competition from larger banks and fintech companies
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- MTB
- WEB
- CBSH
- PPBI
Competitive Landscape
Bankwell faces stiff competition from larger regional and national banks, as well as fintech companies. Bankwell's advantages include its strong local presence and personalized service, while its disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
The Wilton Bank
- Year: 2010
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded Bankwell's footprint in Fairfield County.
Growth Trajectory and Initiatives
Historical Growth: Bankwell has grown through organic expansion and acquisitions. The exact rate of growth requires accessing historical financial statements.
Future Projections: Analyst estimates vary. Need to source from reputable financial news providers.
Recent Initiatives: Bankwell has focused on expanding its digital banking capabilities, investing in technology, and enhancing its wealth management offerings. Recent Initiatives also include branch optimization.
Summary
Bankwell is a stable regional bank with a strong presence in affluent markets. Its relationship-based banking model and commitment to community involvement are key strengths. However, it faces challenges from larger competitors, rising interest rates, and increasing regulatory scrutiny. To continue growing, Bankwell needs to invest in technology, expand its digital banking capabilities, and capitalize on opportunities in wealth management.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise.
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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