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Market Price

30.52 

0.10 0.3%

as of Oct 19 '18

52 Week Range:

29.85 37.71


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bankwell Financial Group, Inc. operates as the bank holding company for Bankwell Bank that provides a range of banking services to commercial and consumer customers in Connecticut. It accepts checking, savings, and money market accounts; and demand and NOW deposits, as well as certificates of deposit. The company also provides commercial lending products, including residential real estate loans, owner-occupied commercial real estate loans, commercial real estate investment loans, business term loans, equipment financing, and lines of credit to small and mid-sized businesses, as well as real estate construction and development loans; and consumer loans, such as loans secured by savings or certificate accounts, or automobiles, as well as unsecured personal loans and overdraft lines of credit. It operates through a network of nine branches. 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '03 Dec '04 Dec '05 Dec '06 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 14.96
16.61
18.45
20.42
growth rate 11.0% 11.1% 10.7%
Earnings BIT 0.00
7.37
16.16
21.91
29.27
growth rate 119.2% 35.6% 33.6%
Avg.PE 15.72
25.50
16.12
21.35
17.72
growth rate 62.2% -36.8% 32.4% -17.0%
ROA -1.15
-0.43
1.46
0.37
0.18
0.73
0.47
0.71
0.82
0.81
growth rate 0.0% 100.0% -74.7% -30.3% 305.6% -35.6% 51.1% 15.5% -1.2%
ROE -8.91
-3.96
15.15
3.88
2.67
10.20
5.04
6.94
8.72
9.01
growth rate 0.0% 100.0% -74.4% -17.1% 282.0% -50.6% 37.7% 25.7% 3.3%
ROIC -3.21
0.76
12.15
12.03
2.40
5.98
4.07
growth rate 100.0% 1,498.7% -1.0% -55.3% 149.2% -31.9%
Leverage 7.76
10.65
10.19
10.94
15.04
13.33
9.30
10.10
11.16
11.16
growth rate 37.2% -4.3% 7.4% 17.3% -11.4% -30.2% 8.6% 10.5% 0.0%
Balance Sheet Dec '03 Dec '04 Dec '05 Dec '06 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 2.11
0.00
3.32
4.07
4.96
5.91
growth rate -100.0% 22.5% 21.8% 19.2%
Acct.Payable 5.40
0.00
835.44
1,046.94
1,289.04
1,398.41
growth rate -100.0% 25.3% 23.1% 8.5%
Cur.Assets 53.42
93.92
102.81
78.68
growth rate 75.8% 9.5% -23.5%
Total Assets 610.02
779.60
1,099.53
1,330.37
1,628.92
1,796.61
growth rate 27.8% 41.0% 21.0% 22.4% 10.3%
Cash 79.78
82.00
48.56
88.60
74.46
52.13
growth rate 2.8% -40.8% 82.5% -16.0% -30.0%
Inventory 0.95
1.25
0.27
growth rate 31.4% -78.2%
Cur.Liabilities 0.00
950.32
1,128.60
1,432.97
1,585.14
growth rate 18.8% 27.0% 10.6%
Liabilities 558.48
710.10
970.32
1,198.60
1,483.02
1,635.58
growth rate 27.2% 36.7% 23.5% 23.7% 10.3%
LT Debt 44.00
20.00
70.00
50.05
50.10
growth rate -54.6% 250.0% -28.5% 0.1%
Equity 51.53
69.50
118.23
131.77
145.90
161.03
growth rate 34.9% 70.1% 11.5% 10.7% 10.4%
Common Shares 1.00
1.00
1.00
1.00
3.00
3.00
3.00
6.00
7.00
7.00
8.00
growth rate 0.0% 0.0% 0.0% 200.0% 0.0% 0.0% 100.0% 16.7% 0.0% 14.3%
Cash Flow Statement Dec '03 Dec '04 Dec '05 Dec '06 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 0.68
0.91
2.04
0.94
8.40
1.87
growth rate 32.8% 124.9% -54.1% 795.6% -77.7%
Cash Dividends 0.13
0.10
0.11
0.50
1.66
2.15
growth rate -24.2% 10.0% 355.5% 231.5% 29.4%
Cash From OA 8.17
2.90
9.17
13.15
17.37
20.57
growth rate -64.5% 216.2% 43.4% 32.1% 18.4%
FCF per Share -0.69
-0.64
-0.69
2.61
-3.71
-0.06
2.28
2.00
1.59
growth rate 0.0% 0.0% 100.0% -100.0% 0.0% 100.0% -12.3% -20.5%
Sale Purchase of Stock 0.00
44.91
4.28
1.31
2.03
growth rate -90.5% -69.5% 55.5%
FCF -2.00
6.00
7.00
2.00
7.00
13.00
9.00
19.00
growth rate 100.0% 16.7% -71.4% 250.0% 85.7% -30.8% 111.1%
Income Statement Dec '03 Dec '04 Dec '05 Dec '06 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 24.74
30.00
32.55
43.04
47.85
57.65
growth rate 21.3% 8.5% 32.2% 11.2% 20.5%
Op.Income 1.21
5.20
9.20
14.91
19.28
26.43
growth rate 328.3% 76.8% 62.1% 29.3% 37.1%
IBT 1.87
-2.80
6.74
13.87
18.31
25.13
growth rate -100.0% 100.0% 105.9% 32.0% 37.2%
Net Income 1.21
5.20
4.57
9.03
12.35
13.83
growth rate 328.3% -12.2% 97.7% 36.8% 12.0%
EPS -0.67
-0.25
1.13
0.34
0.71
0.38
1.44
0.78
1.21
1.62
1.78
growth rate 0.0% 100.0% -69.9% 108.8% -46.5% 279.0% -45.8% 55.1% 33.9% 9.9%
Gross Profit 32.55
43.04
47.85
57.65
growth rate 32.2% 11.2% 20.5%

Quarterly Statements

Item Name Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Earnings BIT 7.12
7.23
8.58
7.07
growth rate 1.6% 18.7% -17.7%
Balance Sheet Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Acct.Receivable 5.24
5.34
5.91
5.33
growth rate 2.0% 10.6% -9.8%
Acct.Payable 1,414.29
1,409.79
1,398.41
1,426.53
1,465.64
growth rate -0.3% -0.8% 2.0% 2.7%
Cur.Assets 92.25
103.84
78.68
93.23
99.43
growth rate 12.6% -24.2% 18.5% 6.7%
Total Assets 1,755.80
1,804.94
1,796.61
1,831.24
1,870.80
growth rate 2.8% -0.5% 1.9% 2.2%
Cash 85.99
96.45
52.13
65.17
68.92
growth rate 12.2% -46.0% 25.0% 5.8%
Inventory 0.22
0.22
0.49
growth rate 0.0% 48.1%
Cur.Liabilities 1,427.15
1,426.53
1,585.14
1,441.18
1,476.37
growth rate 0.0% 11.1% -9.1% 2.4%
Liabilities 1,602.23
1,646.62
1,635.58
1,665.30
1,701.23
growth rate 2.8% -0.7% 1.8% 2.2%
LT Debt 175.08
220.09
50.10
224.12
224.86
growth rate 25.7% -77.2% 347.3% 0.3%
Equity 153.58
158.32
161.03
165.95
169.57
growth rate 3.1% 1.7% 3.1% 2.2%
Common Shares 116.50
117.29
118.30
119.36
119.82
growth rate 0.7% 0.9% 0.9% 0.4%
Cash Flow Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Capital Expenditures 0.10
0.42
1.17
1.38
1.57
growth rate 334.4% 179.6% 17.9% 14.0%
Cash Dividends 0.54
0.54
0.54
0.94
0.94
growth rate 0.6% 0.2% 73.5% 0.3%
Cash From OA 2.53
4.57
6.16
8.49
0.65
growth rate 80.8% 34.8% 37.9% -92.3%
Sale Purchase of Stock 0.46
0.55
0.77
0.78
growth rate 19.3% 39.3% 2.1%
FCF 2.43
4.15
4.99
7.12
-0.92
growth rate 70.8% 20.2% 42.6% -100.0%
Income Statement Jun '17 Sep '17 Dec '17 Mar '18 Jun '18
Sales 13.74
14.29
15.95
15.03
14.71
growth rate 4.0% 11.6% -5.8% -2.1%
Op.Income 6.50
6.46
7.62
6.06
6.17
growth rate -0.6% 18.0% -20.5% 1.8%
IBT 6.16
6.16
7.37
5.82
5.94
growth rate -0.1% 19.7% -21.0% 2.0%
Net Income 3.77
4.26
2.10
4.60
4.72
growth rate 13.1% -50.8% 119.5% 2.5%
Gross Profit 13.74
14.29
15.95
15.03
14.71
growth rate 4.0% 11.6% -5.8% -2.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (87.12)

YOY Growth Grade:

C (64.36)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 15.26 15.24 12.84
EPS / Growth 30.1% 2.00

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 16.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 16.2% 23.1% 23.1%
Future PE 12.84 14.45 24.77
Future EPS 8.95 16.00 16.00
Value Price
MOS %
28.39
-7.0%
57.15
87.2%
97.93
220.9%
MOS Price 14.19 28.57 48.96
IRT 7.58 6.47 6.47

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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