Bankwell Financial Group Inc. Common Stock (BWFG)

FairStock Score: 72/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am looking at a small regional bank with a $523 million market value and a $65.63 close on 2026-10-13. FairStock’s calculations put it at 12.2 times earnings and 1.58 times book, with a 14.13% return on equity. For a bank, that is respectable: earning above 12% on equity while selling near 1.6 times book is not a giveaway, but it can be reasonable if credit stays clean. The recent filed numbers are encouraging: in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $12.4 million and diluted EPS $1.52, up from $9.1 million and $1.14 in fiscal Q2 2025, the quarter ended 2025-06-30. Fiscal Q1 2026, the quarter ended 2026-03-31, showed $11.3 million and $1.41. But the annual record is uneven: FY2023 net income was $36.7 million and EPS $4.67; FY2024 fell to $9.8 million and $1.23; FY2025 recovered to $35.2 million and $4.45. FairStock calls it a FAST GROWER on its five-year profit and revenue calculation, but the path has been cyclical. A 167-employee bank has a narrow moat at best, dependent on local deposits, loan pricing and underwriting. The 6/9 Piotroski score and 0.34 PEG are supportive, and beta of 0.57 is low. However, CET1, net interest margin, nonperforming loans, reserve coverage, deposit costs and loan mix are absent. Without those, the headline valuation is fair, not compelling; I would need proof that the recent profit improvement is durable and not just a benign credit cycle.

In plain English: Bankwell is a small regional bank that takes deposits and makes loans to individuals and businesses. It is earning solid profits on its equity, and recent quarters are better than a year earlier, but annual earnings have bounced around a lot. At the current price, the stock looks roughly fair rather than a deep bargain, assuming loan losses stay under control.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer