COMP <GO>
BWFG vs MS // ALTMAN Z-SCORE & DEBT/EQUITY
Bankwell Financial Group Inc. (NASDAQ) VS. Morgan Stanley (NYSE) • 15-METRIC TALLY: BWFG 6
— MS 2
■ METRIC PARITY
LAST: $71.23 (+2.27%) • MKT CAP: $555.2M
balance-sheet
—
LAST: $184.30 (-3.00%) • MKT CAP: $298.41B
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BWFG VS. MS)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BWFG | MS | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.70% | 3.00% | +8.70 | BWFG | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 31.0x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.89% | -7.25% | +12.14 | BWFG | /fcf-yield <GO> |
| Operating Margin | — | 24.60% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 20.20% | +47.80 | BWFG | /net-margins <GO> |
| Revenue Growth (YoY) | 44.00% | 5.50% | +38.50 | BWFG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.13% | 2.21% | -1.08 | MS | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 63.2 | 51.0 | +12.20 | BWFG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.04 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.3x | 16.5x | -3.20 | BWFG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $555.2M | $298.41B | -$297.85B | MS | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BWFG REV | MS REV | BWFG GROSS % | MS GROSS % | BWFG FCF | MS FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.8M | $0 | — | — | $27.1M | -$17.89B |
| FY 2024 | $2.0M | $0 | — | — | $29.3M | $1.36B |
| FY 2023 | $1.6M | $0 | — | — | $31.9M | -$33.54B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BWFG // BETA —
MS // BETA 1.04