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BWFG
Bankwell Financial Group, Inc.
$49.42
0.12
(0.24%)
[ms_data_label text=’Delayed data’]
| Exchange: | NASDAQ |
| Market Cap: | 394.213M |
| Shares Outstanding: | 7.728M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Christopher R. Gruseke | |||||
| Full Time Employees: | 145 | |||||
| Address: |
| |||||
| 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, 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 secured by savings or certificate accounts and automobiles; and unsecured personal loans and overdraft lines of credit. It operates branches in New Canaan, Stamford, Fairfield, Wilton, 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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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 193,296 | 195,712 | 207,715 |
| Gross Profit | 98,444 | 64,380 | 107,283 |
| EBITDA | 51,666 | 17,104 | 52,579 |
| Operating Income | 48,043 | 13,329 | 48,495 |
| Net Income | 36,663 | 9,770 | 35,198 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 3,215,482 | 3,268,476 | 3,359,859 |
| Total Liabilities | 2,949,730 | 2,997,956 | 3,058,370 |
| Total Stockholders Equity | 265,752 | 270,520 | 301,489 |
| Total Debt | 159,205 | 171,498 | 179,697 |
| Cash and Cash Equivalents | 267,521 | 293,552 | 224,921 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 31,927 | 29,936 | 27,269 |
| Capital Expenditure | -2,045 | -613 | -1,144 |
| Free Cash Flow | 29,882 | 29,323 | 26,125 |
| Net Income | 36,663 | 9,770 | 35,198 |
| Net Change in Cash | -86,522 | 38,367 | 9,900 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2027 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 132,124.424 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 133,470.252 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 132,868.800 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 38,645.492 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 39,039.138 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 38,863.217 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 43,445.251 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 44,021.578 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 43,811 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 24,732.555 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 24,984.482 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 24,871.896 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 5.590 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 5.620 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 5.550 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 2 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates BWFG intrinsic value between $54.40 – $55.76 per share. This depends on revenue growth, margins, and discount rate.
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Common questions about BWFG valuation
Is Bankwell Financial Group, Inc. (BWFG) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Bankwell Financial Group, Inc. (BWFG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BWFG a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BWFG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BWFG’s P/E ratio?
You can see BWFG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BWFG?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is BWFG a good long-term investment?
Whether BWFG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BWFG
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0.24
Trading Metrics:
| Open: | [ms_cell_or_dash table='trading_quote' column='open'] | Previous Close: | [ms_cell_or_dash table='trading_quote' column='previousClose'] | |
| Day Low: | [ms_cell_or_dash table='trading_quote' column='dayLow'] | Day High: | [ms_cell_or_dash table='trading_quote' column='dayHigh'] | |
| Year Low: | 26.39 | Year High: | 51.54 | |
| Price Avg 50: | 47.98 | Price Avg 200: | 44.23 | |
| Volume: | 24025 | Average Volume: | 39165 |
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