ScoreWhy is Bankwell Financial Group, Inc. ?
1
High Profitability with a Net Interest Margin of 12.98%
2
Strong Long Term Fundamental Strength with a 42.17% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- NET PROFIT(Q) At USD 9.14 MM has Grown at 275.68%
- GROSS NPA (%)(Q) Lowest at 0.57%
- NII(Q) Highest at USD 26.95 MM
4
With ROA of 0.70%, it has a attractive valuation with a 1.24 Price to Book Value
- Over the past year, while the stock has generated a return of 58.17%, its profits have risen by 284.7% ; the PEG ratio of the company is 0
5
High Institutional Holdings at 45.27%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 3.37% over the previous quarter.
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bankwell Financial Group, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bankwell Financial Group, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bankwell Financial Group, Inc.
57.56%
3.25
29.30%
S&P 500
16.12%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.68%
EBIT Growth (5y)
51.06%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
17.98%
Pledged Shares
0
Institutional Holding
45.27%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.24
EV to EBIT
7.12
EV to EBITDA
6.68
EV to Capital Employed
1.29
EV to Sales
1.63
PEG Ratio
0.04
Dividend Yield
NA
ROCE (Latest)
18.19%
ROE (Latest)
11.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend31What is working for the Company
NET PROFIT(Q)
At USD 9.14 MM has Grown at 275.68%
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 26.95 MM
NET SALES(Q)
Highest at USD 50.61 MM
OPERATING PROFIT(Q)
Highest at USD 14.24 MM
OPERATING PROFIT MARGIN(Q)
Highest at 28.13 %
PRE-TAX PROFIT(Q)
Highest at USD 14.24 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 100.37%
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 20.46 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 17.39%
Here's what is working for Bankwell Financial Group, Inc.
Pre-Tax Profit
At USD 14.24 MM has Grown at 311.21%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 9.14 MM has Grown at 275.68%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.57% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
NII
Highest at USD 26.95 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 50.61 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 14.24 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 28.13 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 14.24 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Credit Deposit Ratio
Highest at 100.37%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Bankwell Financial Group, Inc.
Operating Cash Flow
Lowest at USD 20.46 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Dividend Payout Ratio
Lowest at 17.39%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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