ScoreWhy is Bankwell Financial Group, Inc. ?
1
High Profitability with a Net Interest Margin of 9.70%
2
Strong Long Term Fundamental Strength with a 14.90% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Outstanding results in Jun 25
- OPERATING PROFIT(Q) Highest at USD 11.81 MM
- OPERATING PROFIT MARGIN(Q) Highest at 24.28 %
- PRE-TAX PROFIT(Q) Highest at USD 11.81 MM
4
With ROA of 0.21%, it has a expensive valuation with a 1.02 Price to Book Value
- Over the past year, while the stock has generated a return of 32.31%, its profits have fallen by -58.4%
5
Market Beating Performance
- The stock has generated a return of 32.31% in the last 1 year, much higher than market (S&P 500) returns of 12.33%
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.
45.6%
3.01
30.53%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.32%
EBIT Growth (5y)
16.54%
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
64.98%
Pledged Shares
0
Institutional Holding
41.22%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
23
Industry P/E
Price to Book Value
1.02
EV to EBIT
5.95
EV to EBITDA
4.58
EV to Capital Employed
1.08
EV to Sales
0.40
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
18.14%
ROE (Latest)
4.42%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend27What is working for the Company
OPERATING PROFIT(Q)
Highest at USD 11.81 MM
OPERATING PROFIT MARGIN(Q)
Highest at 24.28 %
PRE-TAX PROFIT(Q)
Highest at USD 11.81 MM
NET PROFIT(Q)
Highest at USD 8.99 MM
GROSS NPA (%)
(Q
NII(Q)
Highest at USD 23.94 MM
NET SALES(Q)
Highest at USD 48.65 MM
EPS(Q)
Highest at USD 1.15
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 24.57 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 96.58%
Here's what is working for Bankwell Financial Group, Inc.
Pre-Tax Profit
At USD 11.81 MM has Grown at 701.42%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 8.99 MM has Grown at 723.17%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Profit
Highest at USD 11.81 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 24.28 % 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 11.81 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)
Net Profit
Highest at USD 8.99 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Non Performing Loans (%)
Lowest at 0.9%
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 23.94 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Sales
Highest at USD 48.65 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
EPS
Highest at USD 1.15
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Depreciation
Highest at USD 1 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
CASA
Highest at 10.18%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Bankwell Financial Group, Inc.
Operating Cash Flow
Lowest at USD 24.57 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)
Credit Deposit Ratio
Lowest at 96.58%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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