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BWFG Nasdaq Banks

Bankwell Financial Group, Inc.

$67,52
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Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
526,7M USD
P/E
13,8x
EV / Rev
105,4x
Div yield
1,29 %
Op margin
ROE
11,3 %
Net margin
1 245,5 %
Debt / equity
Beta
52w range
Volume
Day range
Prev close
$60,57
Open
Next earnings
2026-10-28
Ex-dividend
TR 1Y
About

Bankwell Financial Group, Inc. operates as a commercial bank providing customized financial products and services to build long-term client relationships.

Business. Bankwell Financial Group, Inc. (BWFG) is a commercial bank headquartered in the United States that operates within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is publicly traded on the Nasdaq stock exchange under the ticker symbol BWFG. Specific details regarding operating segments or geographic breakdowns are not available.

Classification93 %
SectorFinancials
Business sectorBanking & Investment Services
Industry groupBanking Services
IndustryBanks
ActivityCommercial Banks
Generated · model-assisted
Sell-side consensus
HOLD3 analysts
1 buy2 hold0 sell
Avg 12m price target56,50

Analyst recommendations

3 analysts · consensus Hold
Buy1
Hold2
Sell0
12-month price target
56,50
Consensus of sell-side coverage.
Upcoming events
  • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
See all catalysts →

At a glance

Score
not yet scored
Valuation
13,8x
P/E
Analysts
Hold
3 analysts · indicative
Ownership
Dimensional Fund Advisors, L.P.
largest disclosed fund holder
Profitability
11,3 %
return on equity
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning BWFG.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to BWFG. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Company
    • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Bankwell Financial Group, Inc. (BWFG) is a commercial bank headquartered in the United States that operates within the Banking Services industry. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is publicly traded on the Nasdaq stock exchange under the ticker symbol BWFG. Specific details regarding operating segments or geographic breakdowns are not available.

    Classification93 %
    SectorFinancials
    Business sectorBanking & Investment Services
    Industry groupBanking Services
    IndustryBanks
    ActivityCommercial Banks
    AI synthesis
    GENERATED

    Bankwell Financial Group maintains a conservative capital structure with a debt-to-equity ratio of 0.0 and a current ratio implied by low liquidity risk. Total assets stand at $3.37 billion, supported by $311.9 million in total equity, yielding a price-to-book multiple of 1.57. The company generates $7.72 million in operating cash flow and $7.25 million in free cash flow, indicating stable internal funding capabilities despite a medium dilution risk flag.

    Profitability metrics show a return on equity of 11.29% and a return on assets of 1.04%, with a net income of $11.28 million against revenue of $780,000. The price-to-earnings ratio is 13.79, suggesting a moderate valuation relative to earnings power. The company’s focus on superior service and diverse product offerings aims to differentiate it from larger competitors, supporting its margin profile.

    Key takeaways
    • Debt-to-equity ratio of 0.0 indicates a conservative leverage profile.
    • Commercial real estate loans dominate the portfolio at $1.90 billion, posing concentration risk.
    • Medium dilution risk flag suggests potential equity issuance or offering activities.
    • Return on equity of 11.29% reflects solid profitability relative to equity base.
    • Analyst mean price target of $56.50 is below the current market price of $62.21.

    Bull / Bear case

    Generated · model-assisted
    BULL CASE · 4

    Bankwell Financial Group's net margin of 12.5% ranks as best-in-class among 873 banking peers.

    Bankwell Financial Group maintains a zero debt-to-equity ratio, indicating a conservative capital structure relative to peers.

    Total assets grew at a 0.8% compound annual growth rate over the last five years.

    The stock trades at a 1.57x price-to-book multiple, reflecting a moderate premium to tangible book value.

    BEAR CASE · 2

    Total assets contracted by 2.7% year-over-year in FY2025, reflecting balance sheet shrinkage.

    Equity decreased by 10.3% year-over-year in FY2025, reducing the capital base.

    In focus — financials by report

    Quarterly
    Annual
    QUARTERLYFiled 2026-03-31
    Q4 2025 · Quarter highlights

    Revenue $780.0k; Net margin 1445.5%.

    Revenue$780.0k
    Operating income
    Net income$11.3M
    Free cash flow$7.3M
    EPS
    Operating cash flow$7.7M
    Financials
    Income statement
    Revenue$780.0k
    Gross profit
    Operating income
    Net income$11.3M
    Margins
    Gross margin
    Operating margin
    Net margin1445.5%
    FCF margin930.0%
    Balance sheet
    Total assets$3.37B
    Total liabilities$3.06B
    Total equity$311.9M
    Cash & equivalents
    Long-term debt
    Cash flow
    Operating cash flow$7.7M
    CapEx$470.0k
    Free cash flow$7.3M
    SBC$1.1M
    Highlights
    • Revenue $780.0k
    • Net margin 1445.5%

    Valuation FY

    Market price
    $67,52
    Market cap
    $485.3M
    Enterprise value
    $297.7M
    P/E
    13.8x
    Non-GAAP P/E
    EV / Revenue
    105.4x
    EV / Op income
    EV / OCF
    10.5x
    P / B
    1.6x
    P / Tangible book
    1.6x
    Tangible book
    $309.3M
    Net cash
    $187.6M
    Current ratio
    Debt / equity
    ROA
    1.0%
    ROE
    11.3%
    Cash conversion
    80.0%
    CapEx / revenue
    40.5%
    SBC / revenue
    82.9%
    Dilution ratio
    -2.2%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    5,44
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    3
    Other metrics
    Revenue
    no estimate
    Segment revenue
    no estimate
    Margin
    no estimate
    Segment margin
    no estimate
    as of 2026-07-26 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPSno estimateno estimate5,44
    Revenueno estimateno estimate124,4M USD
    Operating incomeno estimateno estimate59,8M USD
    Full-year consensus mean (period as reported by source) · consensus in USD. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution3 analysts
    Strong buy0
    Buy1
    Hold2
    Sell0
    Strong sell0
    12-month price target$56,50 · Median $56,50
    Low $51,00High $62,00
    Operating income · consensus59,8M USD
    EPS surprise
    −18,2 %
    reported vs consensus · miss
    Revenue surprise
    −12,9 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$51,00
    Mean$56,50
    Median$56,50
    High$62,00
    Spot$67,52
    −16.3 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskMedium
    Liquidity riskLow
    Filing-based flags
    • Source documents mention dilution or offering risk.

    Benchmarks vs cohort

    Net Margin1 245,5 %Best in class
    ROE11,3 %Above median
    Capex / Rev40,5 %Best in class
    D/E0,00Above median
    Cash Conv0,80Below median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Regulatory filings
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    • Reference data
    How metrics are computed
    • Price To Tangible Book
      market_price / (tangible_book_value / shares_outstanding_diluted)
    • Price To Book
      market_price / (adjusted_book_value / shares_outstanding_diluted)
    • Return On Equity
      net_income / total_equity
    • Enterprise Value
      market_cap - net_cash
    • Ev To Revenue
      enterprise_value / revenue
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    Source documents
    • Bankwell Financial Group, Inc. company facts · 2026-07-26
    • Bankwell Financial Group, Inc. 10-Q 2026-05-06 · 2026-07-26
    • Bankwell Financial Group, Inc. 10-K 2026-03-04 · 2026-07-26
    • Bankwell Financial Group, Inc. 10-Q 2025-11-05 · 2026-07-26
    • Bankwell Financial Group, Inc. 10-Q 2025-08-06 · 2026-07-26
    • 8-K (sec_8k_material) on BWFG · 2026-07-26
    • Bankwell Financial Group Inc Market data — analyst estimates · 2026-07-26
    • Bankwell Financial Group Inc Market data — ESG · 2026-07-26

    Ownership & reference

    Top holders

    • Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,00 %$15M
    • American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$5M
    • AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,00 %$2M
    • Arrowstreet Capital, Limited PartnershipInvestment Managers · as of 2026-03-310,00 %$1M
    • Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$4M
    • Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$8M
    • Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$3M
    • AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$1M
    • BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$11M
    • Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$17M
    • State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$6M
    • Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$1M
    • Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$1M
    • Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$2M
    • UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$1M
    • Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$0M
    • Franklin Advisers, Inc.Investment Managers · as of 2026-03-310,00 %$0M
    • Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$0M
    • Invesco QQQ TrustFunds · as of 2026-03-310,00 %$0M
    • T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
    • FMR LLCInstitutional Investor · as of 2026-03-310,00 %$0M
    • PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$0M

    Insider activity

    Net buying64 buys · 12 sellsnet $1,1M11 insiders · last 365d
    • Hildebrand Ryan JasonChief Innovation Officer · Common StockSold 1 088 @ $58,48$64K · 2026-07-01
    • Porto Carl MDirector · Common StockBought 370 @ $53,70$20K · 2026-06-05
    • SEIDMAN LAWRENCE BDirector · Common StockBought 323 @ $53,70$17K · 2026-06-05
    • Dale Eric JDirector · Common StockBought 588 @ $53,70$32K · 2026-06-05
    • Drexler Blake SDirector · Common StockBought 79 @ $53,70$4K · 2026-06-05
    • Dunne Jeffrey RDirector · Common StockBought 315 @ $53,70$17K · 2026-06-05
    • Lampert ToddDirector · Common StockSold 3 500 @ $53,59$188K · 2026-06-05
    • SEIDMAN LAWRENCE BDirector · Common StockBought 872 @ $51,85$45K · 2026-06-01
    • SEIDMAN LAWRENCE BDirector · Common StockBought 564 @ $51,87$29K · 2026-06-01
    • SEIDMAN LAWRENCE BDirector · Common StockBought 710 @ $51,86$37K · 2026-06-01
    • SEIDMAN LAWRENCE BDirector · Common StockBought 514 @ $51,87$27K · 2026-06-01
    • SEIDMAN LAWRENCE BDirector · Common StockBought 542 @ $51,87$28K · 2026-06-01
    • SEIDMAN LAWRENCE BDirector · Common StockBought 98 @ $52,04$5K · 2026-06-01
    • SEIDMAN LAWRENCE BDirector · Common StockBought 81 @ $51,95$4K · 2026-06-01
    • SEIDMAN LAWRENCE BDirector · Common StockBought 170 @ $49,92$8K · 2026-05-15
    • SEIDMAN LAWRENCE BDirector · Common StockBought 149 @ $50,18$7K · 2026-05-13
    • SEIDMAN LAWRENCE BDirector · Common StockBought 810 @ $50,07$41K · 2026-05-13
    • SEIDMAN LAWRENCE BDirector · Common StockBought 200 @ $50,14$10K · 2026-05-13
    • SEIDMAN LAWRENCE BDirector · Common StockBought 488 @ $50,09$24K · 2026-05-13
    • SEIDMAN LAWRENCE BDirector · Common StockBought 179 @ $50,16$9K · 2026-05-13
    • SEIDMAN LAWRENCE BDirector · Common StockBought 104 @ $50,24$5K · 2026-05-13
    • Chivily ChristineEVP & Chief Credit Officer · Common StockSold 4 321 @ $52,16$225K · 2026-05-01
    • SEIDMAN LAWRENCE BDirector · Common StockBought 4 085 @ $46,95$192K · 2026-03-13
    • SEIDMAN LAWRENCE BDirector · Common StockBought 1 259 @ $46,96$59K · 2026-03-13
    • SEIDMAN LAWRENCE BDirector · Common StockBought 754 @ $46,98$35K · 2026-03-13

    Short positioning

    324.9Kshares short+12.7% vs prior
    3.84days to cover
    54.2%short of daily vol
    3fails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    BWFGCanonical
    Nasdaq · USD

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskMedium
    Liquidity riskLow
    Source documents mention dilution or offering risk.
    Relationship graph
    BWFGJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    • Capex (annual): USD 1.14MUnknown
    • Total liabilities (annual): USD 3.06BUnknown
    • Revenue (annual): USD 2.83MUnknown
    • Net income (annual): USD 35.2MUnknown
    • Shares outstanding (annual): 7.9MUnknown
    • Operating cash flow (annual): USD 28.27MUnknown
    • EPS (basic) (annual): USD-PER-SHARES 4Unknown
    • Total assets (annual): USD 3.36BUnknown
    • Shareholders' equity (annual): USD 301.49MUnknown
    • EPS (diluted) (annual): USD-PER-SHARES 4Unknown
    • Pre-tax income (annual): USD 48.49MUnknown
    • Total assets (annual): USD 3.27BUnknown
    • Revenue (annual): USD 1.96MUnknown
    • Total liabilities (annual): USD 3BUnknown
    • Capex (annual): USD 613KUnknown
    • EPS (basic) (annual): USD-PER-SHARES 1Unknown
    • Shares outstanding (annual): 7.86MUnknown
    • Pre-tax income (annual): USD 13.33MUnknown
    • Operating cash flow (annual): USD 29.94MUnknown
    • Shareholders' equity (annual): USD 270.52MUnknown
    • Net income (annual): USD 9.77MUnknown
    • EPS (diluted) (annual): USD-PER-SHARES 1Unknown
    Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

    The Thread

    Everything we know, in order
    2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
    2026-07-24 04:31 UTCFILINGMaterial 8-K
    2026-07-23 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
    2026-07-01INSIDERHildebrand Ryan Jason sold 1.1k sh — Chief Innovation Officer ~$64k
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: insider_flow_signal (90d)
    2026-06-05 00:00 UTCINSIDER13 insider transactions — 2026-06 · $453k gross
    2026-06-05INSIDERPorto Carl M bought 370 sh — Director ~$20k
    2026-06-05INSIDERSEIDMAN LAWRENCE B bought 323 sh — Director ~$17k
    2026-06-05INSIDERDale Eric J bought 588 sh — Director ~$32k
    2026-06-05INSIDERDrexler Blake S bought 79 sh — Director ~$4k
    2026-06-05INSIDERDunne Jeffrey R bought 315 sh — Director ~$17k
    2026-06-05INSIDERLampert Todd sold 3.5k sh — Director ~$188k
    2026-06-01INSIDERSEIDMAN LAWRENCE B bought 872 sh — Director ~$45k
    2026-06-01INSIDERSEIDMAN LAWRENCE B bought 564 sh — Director ~$29k
    2026-06-01INSIDERSEIDMAN LAWRENCE B bought 710 sh — Director ~$37k
    2026-06-01INSIDERSEIDMAN LAWRENCE B bought 514 sh — Director ~$27k
    2026-06-01INSIDERSEIDMAN LAWRENCE B bought 542 sh — Director ~$28k
    2026-06-01INSIDERSEIDMAN LAWRENCE B bought 98 sh — Director ~$5k
    2026-06-01INSIDERSEIDMAN LAWRENCE B bought 81 sh — Director ~$4k
    2026-05-20FILING8-K filing →
    2026-05-15 00:00 UTCINSIDER8 insider transactions — 2026-05 · net sell $120k
    2026-05-15INSIDERSEIDMAN LAWRENCE B bought 170 sh — Director ~$8k
    2026-05-13INSIDERSEIDMAN LAWRENCE B bought 149 sh — Director ~$7k
    2026-05-13INSIDERSEIDMAN LAWRENCE B bought 810 sh — Director ~$41k
    2026-05-13INSIDERSEIDMAN LAWRENCE B bought 200 sh — Director ~$10k
    2026-05-13INSIDERSEIDMAN LAWRENCE B bought 488 sh — Director ~$24k
    2026-05-13INSIDERSEIDMAN LAWRENCE B bought 179 sh — Director ~$9k
    2026-05-13INSIDERSEIDMAN LAWRENCE B bought 104 sh — Director ~$5k
    2026-05-06FILING10-Q filing →
    2026-05-01INSIDERChivily Christine sold 4.3k sh — EVP & Chief Credit Officer ~$225k
    2026-04-22FILING8-K filing →
    2026-04-07FILINGDEF 14A filing →
    2026-03-31EARNINGSQuarterly results — Q4 2025 Revenue USD 0.8M · Net USD 11.3M
    2026-03-13 00:00 UTCINSIDER33 insider transactions — 2026-03 · net buy $2.0M
    2026-03-13INSIDERSEIDMAN LAWRENCE B bought 4.1k sh — Director ~$192k
    2026-03-13INSIDERSEIDMAN LAWRENCE B bought 1.3k sh — Director ~$59k
    2026-03-13INSIDERSEIDMAN LAWRENCE B bought 754 sh — Director ~$35k
    2026-03-04FILING10-K filing →
    2026-02-27 00:00 UTCINSIDER25 insider transactions — 2026-02 · net buy $219k
    2026-01-29FILING8-K filing →
    Showing the 40 most recent of 52 entries.
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage