COMP <GO>
NPB vs BWFG // EV/EBITDA & P/E VALUATION
Northpointe Bancshares Inc. (NYSE) VS. Bankwell Financial Group Inc. (NASDAQ) • 15-METRIC TALLY: NPB 4
— BWFG 3
■ METRIC PARITY
LAST: $16.18 (-0.06%) • MKT CAP: $559.5M
valuation
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LAST: $69.65 (+4.13%) • MKT CAP: $555.2M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NPB VS. BWFG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NPB | BWFG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 14.70% | 11.70% | +3.00 | NPB | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.42% | 4.89% | +2.53 | NPB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 44.00% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.58% | 1.13% | -0.55 | BWFG | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | BWFG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 50.4 | 73.9 | -23.47 | BWFG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.2x | 13.3x | -7.10 | NPB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $559.5M | $555.2M | $4.3M | NPB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NPB REV | BWFG REV | NPB GROSS % | BWFG GROSS % | NPB FCF | BWFG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $2.8M | — | — | $41.5M | $27.1M |
| FY 2024 | $0 | $2.0M | — | — | $18.8M | $29.3M |
| FY 2023 | $0 | $1.6M | — | — | $504.2M | $31.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NPB // BETA —
BWFG // BETA —