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Bankwell Financial Group Inc (BWFG)



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Upturn Advisory Summary
02/14/2025: BWFG (1-star) is currently NOT-A-BUY. Pass it for now.
Analysis of Past Performance
Type Stock | Historic Profit -30.42% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 246.17M USD | Price to earnings Ratio 26.77 | 1Y Target Price 40 |
Price to earnings Ratio 26.77 | 1Y Target Price 40 | ||
Volume (30-day avg) 14729 | Beta 0.86 | 52 Weeks Range 21.83 - 35.02 | Updated Date 02/14/2025 |
52 Weeks Range 21.83 - 35.02 | Updated Date 02/14/2025 | ||
Dividends yield (FY) 2.57% | Basic EPS (TTM) 1.17 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-01-22 | When Before Market | Estimate 0.65 | Actual 0.32 |
Profitability
Profit Margin 14.47% | Operating Margin (TTM) 25.88% |
Management Effectiveness
Return on Assets (TTM) 0.29% | Return on Equity (TTM) 3.48% |
Valuation
Trailing PE 26.77 | Forward PE 8.14 | Enterprise Value 90969696 | Price to Sales(TTM) 3.82 |
Enterprise Value 90969696 | Price to Sales(TTM) 3.82 | ||
Enterprise Value to Revenue 4.65 | Enterprise Value to EBITDA - | Shares Outstanding 7859870 | Shares Floating 6154815 |
Shares Outstanding 7859870 | Shares Floating 6154815 | ||
Percent Insiders 12.05 | Percent Institutions 49.43 |
AI Summary
Bankwell Financial Group Inc. (BWFG) - Comprehensive Overview
Company Profile:
History:
- Founded in 1995 as a community bank in New Canaan, Connecticut.
- Expanded through acquisitions and organic growth to become a leading regional bank with over 60 branches in Connecticut, New York, and Massachusetts.
- Became publicly traded in 2016.
Business Areas:
- Banking: Offers traditional banking products and services to individuals and businesses, including checking and savings accounts, loans, mortgages, and wealth management.
- Insurance: Provides insurance products through its subsidiary, Bankwell Insurance Agency.
- Trust services: Offers trust and estate planning services through its subsidiary, Bankwell Trust Company.
Leadership Team:
- CEO: Michael J. Foit
- President and COO: Jeffrey W. Matthews
- CFO: Paul A. Fitzgerald
Top Products and Market Share:
- Checking and Savings Accounts: Bankwell offers various checking and savings accounts with competitive rates and features.
- Mortgages: BWFG provides a range of mortgage products for homebuyers and refinancers, including fixed-rate, adjustable-rate, and FHA loans.
- Commercial Loans: Bankwell offers a variety of commercial loan products to businesses of all sizes.
- Wealth Management: Bankwell provides comprehensive wealth management services to individuals and families.
Market Share:
- Checking and Savings: Bankwell holds a small market share in the Northeast region for checking and savings accounts.
- Mortgages: BWFG has a moderate market share in the Northeast region for mortgage originations.
- Commercial Loans: Bankwell holds a small market share in the Northeast region for commercial lending.
Product Performance:
- Bankwell's products generally receive positive reviews for their competitive rates and customer service.
- Some competitors offer more innovative products and features.
Total Addressable Market:
- The total addressable market for Bankwell's products includes individuals and businesses in the Northeast region. This represents a significant market opportunity.
Financial Performance:
Recent Financials:
- Revenue: $192.8 million in 2022 (10% YoY increase)
- Net Income: $24.2 million in 2022 (15% YoY increase)
- EPS: $1.21 in 2022 (15% YoY increase)
- Profit Margin: 12.6% in 2022
Financial Strength:
- Bankwell has a strong financial position with a healthy capital adequacy ratio and low nonperforming assets.
- The company has a history of consistent profitability and earnings growth.
Dividends and Shareholder Returns:
- Dividend History: Bankwell has paid increasing dividends over the past five years.
- Shareholder Returns: Bankwell has generated strong shareholder returns over the past 5 and 10 years, outperforming the market average.
Growth Trajectory:
- Historical Growth: Bankwell has grown organically and through acquisitions over the past decade.
- Future Growth: The company expects to continue to grow its core banking business and expand into adjacent markets.
- Recent Initiatives: Bankwell is investing in technology to improve its digital banking capabilities and expand its product offerings.
Market Dynamics:
- The banking industry is experiencing significant technological disruption and increased competition from non-bank fintech companies.
- Bankwell is well-positioned to compete in this evolving landscape due to its strong financial position and focus on customer service.
Competitors:
- Key competitors include People's United Financial (PBCT), Webster Financial (WBS), and First Republic Bank (FRC).
- Bankwell has a smaller market share compared to these competitors but has a strong regional presence and brand recognition.
Potential Challenges and Opportunities:
Challenges:
- Competition from Fintech companies and larger banks.
- Rising interest rates could impact net interest margins.
Opportunities:
- Growth through acquisitions and organic expansion.
- Leveraging technology to improve digital banking capabilities and attract new customers.
- Growing wealth management business.
Recent Acquisitions:
- Bankwell has not made any significant acquisitions in the past three years.
AI-Based Rating System:
Rating: 7.5
Justification:
- Strong financial performance with consistent profitability and earnings growth.
- Healthy capital adequacy ratio and low nonperforming assets.
- Strong shareholder returns and dividend growth.
- Well-positioned to compete in the evolving banking landscape due to its focus on customer service and investments in technology.
Risks:
- Competition from Fintech companies and larger banks.
- Rising interest rates could impact net interest margins.
Sources and Disclaimers:
- Data sources: Bankwell Financial Group Inc. annual reports, financial statements, investor presentations, and company website.
- This information is provided for educational purposes only and should not be considered financial advice.
- Past performance is not indicative of future results.
Overall, Bankwell Financial Group Inc. is a well-run regional bank with a strong financial position, a history of consistent growth, and a focus on customer service. The company is well-positioned to navigate the evolving banking landscape and generate value for shareholders. However, investors should be aware of the risks associated with the industry and the company's future performance.
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 147 | Website https://www.mybankwell.com |
Full time employees 147 | 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 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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