GICS Sector : Financial Services
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.
Bankwell Financial Group, Inc.'s fourth quarter 2025 GAAP net income was $9.1 million or $1.15 per share, slightly below estimates of $1.2 per share. Excluding a $1.5 million one-time adjustment to the income tax provision, operating income for the quarter was $10.7 million or $1.36 per share. The company's pre-provision net revenue return on average assets was 180 basis points, a 75 basis point increase over 2024. Net interest income reached $26.9 million, while non-interest income increased to $3.4 million, driven by $2.2 million of SBA gain on sale income. The net interest margin expanded to 340 basis points, up six basis points from the prior quarter.
Publication Date: Feb -22
Loan production remained strong, with $240 million of new loans funded in the fourth quarter, bringing total funded originations for the year to $758 million. Net loan growth for the quarter was $122 million, and for the full year, the company generated $134 million of net loan growth or 5% annual loan growth. Management guided for 4% to 5% loan growth in 2026, indicating a continued strong pipeline.
The efficiency ratio improved to 50.8% this quarter compared with 51.4% in the prior quarter, showcasing the company's ability to manage costs effectively. For 2026, the company expects net interest income of $111 to $112 million, non-interest income of approximately $11 million to $12 million, and total non-interest expense of $64 million to $65 million. The effective tax rate is expected to be around 25% for 2026, down from 27.4% for full-year 2025.
With a Price-to-Tangible Book Value (P/TBV) of approximately 1.25, slightly above its peers, and a Dividend Yield of 1.65%, Bankwell Financial Group appears to offer a relatively stable income stream. Analysts estimate next year's revenue growth at 6.2%, indicating a positive outlook. The current P/E Ratio of 10.72 suggests that the stock may be undervalued given its earnings growth potential.
Bankwell Opens Brooklyn Office to Expand Commercial and Private Client Banking Presence in New York
Feb -23
Hillsdale Investment Management Inc. Acquires Shares of 96,717 Bankwell Financial Group, Inc. $BWFG
Feb -23
Bankwell Financial Group (NASDAQ:BWFG) Stock Price Crosses Above 50-Day Moving Average – Here’s What Happened
Feb -10
Comparing Bank First National (NASDAQ:BFC) & Bankwell Financial Group (NASDAQ:BWFG)
Feb -09
Bankwell Financial Group, Inc. (BWFG) Q4 2025 Earnings Call Transcript
Jan -29
Bankwell Financial Group, Inc. (BWFG) Q4 Earnings Lag Estimates
Jan -29
Bankwell Financial Group Reports Operating Results for the Fourth Quarter, Declares First Quarter Dividend
Jan -29
Bankwell Financial Appears Well-Positioned For 2026
Jan -05
Bankwell Financial Group, Inc.'s 4.0% growth in Banking and Related Activities is driven by increasing loan demand, expansion into new markets, and strategic acquisitions. Additionally, the company's focus on digital transformation, cost savings initiatives, and a strong capital position have contributed to its growth momentum.
Bankwell Financial Group, Inc. offers a range of commercial banking services, including cash management, commercial loans, and treasury management solutions, designed to meet the financial needs of businesses.
The company provides consumer banking services, including checking and savings accounts, credit cards, personal loans, and mortgages, to individuals and families.
Bankwell Financial Group, Inc. offers a range of mortgage products, including residential and commercial mortgages, home equity loans, and refinancing options.
The company provides wealth management services, including investment management, financial planning, and trust services, to individuals, families, and institutions.
Bankwell Financial Group, Inc. offers insurance services, including life insurance, disability insurance, and long-term care insurance, to individuals and businesses.
The threat of substitutes for Bankwell Financial Group, Inc. is medium due to the presence of alternative financial institutions and online banking platforms.
The bargaining power of customers for Bankwell Financial Group, Inc. is low due to the lack of negotiating power of individual customers.
The bargaining power of suppliers for Bankwell Financial Group, Inc. is medium due to the presence of multiple suppliers of financial services and technology.
The threat of new entrants for Bankwell Financial Group, Inc. is high due to the ease of entry into the financial services industry and the presence of fintech startups.
The intensity of rivalry for Bankwell Financial Group, Inc. is high due to the presence of multiple competitors in the financial services industry and the need to differentiate itself.
| Value | |
|---|---|
| Debt Weight | 37.78% |
| Debt Cost | 5.37% |
| Equity Weight | 62.22% |
| Equity Cost | 7.94% |
| WACC | 6.97% |
| Leverage | 60.71% |
Value: 7.7
Growth: 6.8
Quality: 7.0
Yield: 7.0
Momentum: 6.0
Volatility: 8.0
1-Year Total Return ->
Value: 7.0
Growth: 5.4
Quality: 6.2
Yield: 6.0
Momentum: 8.5
Volatility: 8.0
1-Year Total Return ->
Value: 6.9
Growth: 6.0
Quality: 6.8
Yield: 4.0
Momentum: 9.0
Volatility: 7.7
1-Year Total Return ->
Value: 7.2
Growth: 6.1
Quality: 7.1
Yield: 8.0
Momentum: 3.0
Volatility: 7.7
1-Year Total Return ->
Value: 6.0
Growth: 5.2
Quality: 5.3
Yield: 8.0
Momentum: 6.0
Volatility: 6.3
1-Year Total Return ->
Value: 3.7
Growth: 4.7
Quality: 5.6
Yield: 7.0
Momentum: 6.0
Volatility: 8.0
1-Year Total Return ->