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Upturn AI SWOT - About
Bankwell Financial Group Inc (BWFG)
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Upturn Advisory Summary
04/01/2025: BWFG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -33.92% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 236.43M USD | Price to earnings Ratio 24.31 | 1Y Target Price 40 |
Price to earnings Ratio 24.31 | 1Y Target Price 40 | ||
Volume (30-day avg) 13727 | Beta 0.94 | 52 Weeks Range 21.83 - 35.02 | Updated Date 04/1/2025 |
52 Weeks Range 21.83 - 35.02 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.65% | Basic EPS (TTM) 1.23 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.18% | Operating Margin (TTM) 29.47% |
Management Effectiveness
Return on Assets (TTM) 0.3% | Return on Equity (TTM) 3.64% |
Valuation
Trailing PE 24.31 | Forward PE 8.14 | Enterprise Value 90708736 | Price to Sales(TTM) 3.67 |
Enterprise Value 90708736 | Price to Sales(TTM) 3.67 | ||
Enterprise Value to Revenue 4.58 | Enterprise Value to EBITDA - | Shares Outstanding 7907310 | Shares Floating 6206372 |
Shares Outstanding 7907310 | Shares Floating 6206372 | ||
Percent Insiders 12.02 | Percent Institutions 49.55 |
Analyst Ratings
Rating 4 | Target Price 40 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bankwell Financial Group Inc
Company Overview
History and Background
Bankwell Financial Group Inc. was founded in 2002 and is headquartered in New Canaan, Connecticut. It evolved from a local community bank to a regional financial services provider through organic growth and strategic acquisitions, focusing on personalized banking services and community involvement.
Core Business Areas
- Commercial Banking: Provides lending and deposit services to businesses, including commercial real estate loans, business loans, and treasury management services.
- Retail Banking: Offers a range of personal banking products and services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides financial planning, investment management, and trust services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives responsible for overseeing the company's operations. The organizational structure includes departments for commercial banking, retail banking, wealth management, and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans provided to businesses for commercial real estate projects. Market share data is not publicly available in a consolidated format. Competitors include larger regional and national banks such as Webster Financial (WBS) and People's United Financial (PBCT).
- Residential Mortgages: Mortgage loans to individuals for purchasing or refinancing homes. Market share data is not publicly available in a consolidated format. Competitors include national mortgage lenders and other regional banks.
- Business Loans: Small and medium sized business loans, competitors are People's United Financial (PBCT) and M&T Bank Corporation (MTB).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing competition, regulatory changes, interest rate volatility, and technological advancements.
Positioning
Bankwell Financial Group Inc. positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for community banking in the Northeast US is estimated to be in the billions of dollars. Bankwell Financial Group Inc. is positioned to capture a share of this market through its regional presence and customer-centric approach.
Upturn SWOT Analysis
Strengths
- Strong Customer Relationships
- Local Market Knowledge
- Experienced Management Team
- Sound Asset Quality
- Community Focused Approach
Weaknesses
- Limited Geographic Reach
- Smaller Asset Base Compared to Larger Banks
- Dependence on Local Economy
- Lower brand recognition than larger institutions
- Limited Product Diversification
Opportunities
- Expanding into New Geographic Markets
- Increasing Digital Banking Capabilities
- Acquiring Smaller Banks or Credit Unions
- Growing Wealth Management Business
- Capitalizing on rising interest rate enviroment
Threats
- Increasing Competition from Larger Banks
- Economic Downturn in the Region
- Regulatory Changes
- Cybersecurity Risks
- Rising Interest Rates Affecting Loan Demand
Competitors and Market Share
Key Competitors
- WBS
- PBCT
- MTB
Competitive Landscape
Bankwell Financial Group Inc. faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include strong customer relationships and local market knowledge, while its disadvantages include limited geographic reach and a smaller asset base.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Bankwell Financial Group Inc. has grown organically and through acquisitions, expanding its branch network and customer base.
Future Projections: Future growth is projected to come from continued expansion in existing markets, strategic acquisitions, and increased digital banking capabilities.
Recent Initiatives: Recent initiatives include investments in technology to enhance the customer experience, expansion into new markets, and strategic partnerships to offer additional services.
Summary
Bankwell Financial Group Inc. is a well-established regional bank with a strong focus on community banking and customer service. Its growth has been steady, driven by organic expansion and strategic initiatives. However, its smaller size and limited geographic reach presents a long term growth disadvantage compared to its larger competition. The bank faces challenges from larger competitors and the changing regulatory environment, but its personalized approach and local expertise provide a competitive edge. Bankwell will need to capitalize on technology and expansion opportunities to continue its growth trajectory.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
WBS
Webster Financial Corporation
WBS
Webster Financial Corporation
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bankwell Financial Group Inc
Exchange NASDAQ | Headquaters New Canaan, CT, United States | ||
IPO Launch date 2010-04-05 | CEO & Director Mr. Christopher R. Gruseke | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 144 | Website https://www.mybankwell.com |
Full time employees 144 | 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, owner-occupied commercial real estate, 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 to finance insurance premiums; overdraft lines of credit; and personal loans. It operates branches in New Canaan, Stamford, Fairfield, 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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