Stocks · Financial Services · Banks - Regional
Bankwell Financial Group, Inc. BWFG
$66.65 +1.57% Close, Oct 2, 2026 · NASDAQ · Market cap $531.4M
Strong growthStrong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $5.37, up 104.2% year over year.
- Operating margin widened to 27.0% from 13.9% a year earlier.
- The stock is in an uptrend: above its 200-day average for 365 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 41%
- EPS growth (TTM, YoY)Top 11%
- FCF growth (TTM, YoY)Top 32%
- Revenue growth, 3-year CAGRTop 32%
- Revenue growth accelerationTop 36%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 4%
- Gross marginBottom 29%
- Operating marginTop 36%
- Cash conversion (OCF / net income)Bottom 31%
- Accruals (lower is better)Bottom 29%
- Net debt / EBITDA (lower is better)Top 13%
- Interest coverBottom 33%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 36%
- Free-cash-flow yieldBottom 42%
- EBITDA / enterprise valueTop 14%
- Sales / enterprise valueTop 28%
- P/E vs own 5-year history (lower is better)Bottom 41%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 7%
- 6-month returnTop 7%
- 1-year return vs S&P 500Top 6%
- Distance from 52-week highTop 19%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 19%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 24%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 50%
- Maximum drawdown, 3 yearsTop 39%
- Beta vs S&P 500 (lower is better)Bottom 48%
- Net debt / EBITDA (lower is better)Top 13%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 7.8% | 9.0% | ↑ |
| EPS growth (YoY) | 207.4% | 104.2% | ↓ |
| Gross margin | 41.1% | 55.8% | ↑ |
| Operating margin | 13.9% | 27.0% | ↑ |
| FCF margin | 11.8% | 15.9% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.0% | 7.8% | ↑ | Top 41% |
| EPS growth (TTM, YoY) | 104.2% | 207.4% | ↓ | Top 11% |
| Gross margin | 55.8% | 41.1% | ↑ | Bottom 29% |
| Operating margin | 27.0% | 13.9% | ↑ | Top 36% |
| Net margin | 19.8% | 10.5% | ↑ | — |
| Free-cash-flow margin | 15.9% | 11.8% | ↑ | — |
| Return on invested capital | 25.7% | — | Top 4% | |
| Revenue growth, 3-year CAGR | 19.7% | — | Top 32% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.84×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.6%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +19843.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.49×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.18%
- Net buyback yield (TTM)
- 0.03%
- Shareholder yield
- 1.21%
- Share count change, 1 year
- +1.0%
- Share count change, 3-year CAGR
- +1.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +13.2%
- Average 2-day reaction, last 8
- +1.4%
- Positive 20 days after report
- 8 of 8
Analysts
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +17.8% | +1.8% | +14.4% | +10.3% | — |
| Apr 22, 2026 | +14.6% | -2.9% | +4.5% | +0.7% | +18.1% |
| Jan 29, 2026 | -4.2% | +1.7% | +7.4% | +3.0% | +7.6% |
| Oct 23, 2025 | +24.5% | +0.5% | -1.4% | +1.5% | +7.9% |
| Jul 28, 2025 | +32.2% | +6.5% | +4.5% | +11.4% | +13.4% |
| Apr 23, 2025 | +19.2% | +0.6% | +11.4% | +17.8% | +25.3% |
| Jan 22, 2025 | -50.8% | -0.3% | +2.7% | +6.1% | -2.6% |
| Oct 28, 2024 | +400.0% | +3.5% | +2.0% | +18.4% | +7.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $1.52 | $1.29 | +17.8% | $32.8M |
| Apr 22, 2026 | $1.41 | $1.23 | +14.6% | $30.2M |
| Jan 29, 2026 | $1.15 | $1.20 | -4.2% | $30.3M |
| Oct 23, 2025 | $1.27 | $1.02 | +24.5% | $28.5M |
| Jul 28, 2025 | $1.15 | $0.87 | +32.2% | $25.9M |
| Apr 23, 2025 | $0.87 | $0.73 | +19.2% | $23.6M |
| Jan 22, 2025 | $0.32 | $0.65 | -50.8% | $21.2M |
| Oct 28, 2024 | $0.24 | -$0.08 | +400.0% | $21.9M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.4× | 10.2× | 67th | Top 36% |
| P/E (forward) | 11.5× | — | — | — |
| EV / EBITDA | 7.1× | — | — | Top 14% |
| EV / Sales | 2.03× | — | — | Top 28% |
| Free-cash-flow yield | 6.49% | — | — | Bottom 42% |
| Earnings yield | 8.06% | — | — | Top 36% |
P/E over the past five years
Range 4.3× – 24.4× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +53.2%
- Earnings per share growth (TTM)
- +104.2%
- Change in P/E multiple
- -16.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 365
- 50-day average slope (20 days)
- +4.7%
- 200-day average slope (20 days)
- +3.8%
- Distance from 50-day average
- +0.1%
- Distance from 200-day average
- +21.2%
- RSI (14)
- 53.3
- Relative volume
- 1.13×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 20.6%
- Volatility vs own 5-year history
- 13th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.72
- Correlation with S&P 500
- 0.42
- Current drawdown from 1-year high
- -2.8%
- Maximum drawdown, 3 years
- -25.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 1, 2022 | May 4, 2023 | -40.0% | 232 days | 538 days (Jun 27, 2025) |
| Dec 18, 2025 | Jan 2, 2026 | -12.4% | 9 days | 65 days (Apr 8, 2026) |
| Sep 24, 2025 | Oct 16, 2025 | -11.6% | 16 days | 31 days (Dec 1, 2025) |
| Mar 10, 2021 | Mar 23, 2021 | -10.7% | 9 days | 30 days (May 5, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $531.4M
- P/E (TTM)
- 12.4
- EPS, diluted (TTM)
- $5.37
- Revenue (TTM)
- $216.7M
- Dividend yield
- 1.20%
- 52-week range
- $40.45 – $69.59
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $87.0M | $121.0M | $193.3M | $195.7M | $207.7M |
| Gross profit | $73.6M | $92.3M | $98.4M | $64.4M | $107.3M |
| Operating income | $33.9M | $48.0M | $48.0M | $13.3M | $48.5M |
| Net income | $26.6M | $37.4M | $36.7M | $9.8M | $35.2M |
| EPS (diluted) | $3.36 | $4.79 | $4.67 | $1.23 | $4.45 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $49.3M | $48.8M | $50.0M | $50.7M | $53.1M | $54.0M | $54.1M | $55.5M |
| Net income | $1.9M | $3.0M | $6.9M | $9.1M | $10.1M | $9.1M | $11.3M | $12.4M |
| EPS (diluted) | $0.24 | $0.37 | $0.87 | $1.15 | $1.27 | $1.15 | $1.41 | $1.54 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $34.6M | $82.7M | $31.9M | $29.9M | $28.3M |
| Capital expenditure | $4.3M | -$5.0M | -$2.0M | -$613,000 | -$1.1M |
| Free cash flow | $38.8M | $77.7M | $29.9M | $29.3M | $27.1M |
| Dividends paid | -$5.0M | -$6.2M | -$6.2M | -$6.3M | -$6.3M |
| Net share buybacks | -$5.1M | -$5.5M | $0 | -$2.1M | -$1.3M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $193.6M
- Total assets
- $3.48B
- Total liabilities
- $3.15B
- Total debt
- $99.8M
- Net debt
- -$91.6M
- Shareholders’ equity
- $323.5M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 10, 2026 | $0.20 | Aug 21, 2026 |
| May 8, 2026 | $0.20 | May 19, 2026 |
| Feb 10, 2026 | $0.20 | Feb 20, 2026 |
| Nov 10, 2025 | $0.20 | Nov 21, 2025 |
| Aug 11, 2025 | $0.20 | Aug 22, 2025 |
| May 9, 2025 | $0.20 | May 20, 2025 |
| Feb 11, 2025 | $0.20 | Feb 21, 2025 |
| Nov 8, 2024 | $0.20 | Nov 22, 2024 |
Short interest
- Shares sold short
- 522,281
- Days to cover
- 7.38
- Change vs previous report
- +9.1%
FINRA short interest, settlement date Sep 15, 2026.