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Upturn AI SWOT - About
Bankwell Financial Group Inc (BWFG)
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Upturn Advisory Summary
06/30/2025: 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 $40.25
1 Year Target Price $40.25
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.21% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 285.06M USD | Price to earnings Ratio 22.35 | 1Y Target Price 40.25 |
Price to earnings Ratio 22.35 | 1Y Target Price 40.25 | ||
Volume (30-day avg) 1 | Beta 0.65 | 52 Weeks Range 22.21 - 40.21 | Updated Date 06/30/2025 |
52 Weeks Range 22.21 - 40.21 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.21% | Basic EPS (TTM) 1.62 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.66% | Operating Margin (TTM) 42.18% |
Management Effectiveness
Return on Assets (TTM) 0.41% | Return on Equity (TTM) 4.75% |
Valuation
Trailing PE 22.35 | Forward PE 8.14 | Enterprise Value 81209904 | Price to Sales(TTM) 4.12 |
Enterprise Value 81209904 | Price to Sales(TTM) 4.12 | ||
Enterprise Value to Revenue 4.46 | Enterprise Value to EBITDA - | Shares Outstanding 7873390 | Shares Floating 6215418 |
Shares Outstanding 7873390 | Shares Floating 6215418 | ||
Percent Insiders 11.71 | Percent Institutions 50.31 |
Analyst Ratings
Rating 1 | Target Price 40.25 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bankwell Financial Group Inc
Company Overview
History and Background
Bankwell Financial Group, Inc. was founded in 2002 and is headquartered in New Canaan, Connecticut. It operates as the holding company for Bankwell Bank, providing commercial and consumer banking services.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Consumer Banking: Provides personal banking services such as checking and savings accounts, mortgages, home equity loans, and personal loans.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
Blake S. Wilson serves as the President and CEO. The organizational structure includes executive leadership over key departments such as lending, finance, operations, and risk management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial properties. Market share data is fragmented across the regional banking sector. Competitors include larger national and regional banks like M&T Bank and Webster Financial.
- Residential Mortgages: Offers mortgage products for home purchases and refinancing. Market share is similarly fragmented. Competitors include local credit unions and national mortgage lenders.
- Business Lending: Includes commercial loans for SMEs. No specific market share data is provided but it compete with large financial firms.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, and growing competition from both traditional banks and fintech companies.
Positioning
Bankwell Financial Group Inc positions itself as a community-focused bank, emphasizing personalized service and local market expertise. Its competitive advantage lies in its strong relationships with local businesses and consumers.
Total Addressable Market (TAM)
The total addressable market for banking services is substantial, encompassing all businesses and individuals requiring financial services. Bankwell Financial Group Inc's TAM is regionally focused on the communities it serves.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Dependence on local economy
- Lower brand awareness compared to national banks
Opportunities
- Expanding into adjacent markets
- Adopting new technologies to improve efficiency
- Growing wealth management services
- Increasing commercial lending activities
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WEB (Webster Financial Corporation)
- MTB (M&T Bank Corporation)
- CMA (Comerica Incorporated)
Competitive Landscape
Bankwell Financial Group Inc faces intense competition from larger national and regional banks, as well as smaller community banks and credit unions. It differentiates itself through its focus on personalized service and local market expertise.
Major Acquisitions
The Wilton Bank
- Year: 2012
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expanded presence in Fairfield County and increased deposit base.
Growth Trajectory and Initiatives
Historical Growth: Bankwell Financial Group Inc has experienced moderate growth in assets and deposits over the past few years, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates project continued growth in revenue and earnings, driven by expansion into new markets and increased lending activity.
Recent Initiatives: Recent strategic initiatives include investing in technology to enhance customer experience, expanding commercial lending operations, and growing wealth management business.
Summary
Bankwell Financial Group shows growth through strategic initiatives but has competition in the banking sectors. Its strengths lie in its local market knowledge and personalized service. It faces threats from larger banks, fintech companies, and economic uncertainties. To secure its market share the company should look out for larger competition and keep the positive customer realtionships.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Yahoo Finance, Bankwell Financial Group Inc Investor Relations
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is estimated based on available information and may not be precise. Information updated as of late 2023, early 2024.
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 145 | Website https://www.mybankwell.com |
Full time employees 145 | 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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