COMP <GO>
SFST vs BWFG // ALTMAN Z-SCORE & DEBT/EQUITY
Southern First Bancshares Inc. (NASDAQ) VS. Bankwell Financial Group Inc. (NASDAQ) • 15-METRIC TALLY: SFST 1
— BWFG 5
■ METRIC PARITY
LAST: $61.01 (+2.40%) • MKT CAP: $579.0M
balance-sheet
—
LAST: $72.94 (+2.40%) • MKT CAP: $581.5M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SFST VS. BWFG)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SFST | BWFG | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.20% | 11.70% | -3.50 | BWFG | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.18% | 4.89% | +0.29 | SFST | /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 | 0.00% | 1.13% | -1.13 | BWFG | /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 | 52.2 | 72.5 | -20.30 | BWFG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.7x | 13.3x | +4.40 | BWFG | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $579.0M | $581.5M | -$2.4M | BWFG | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SFST REV | BWFG REV | SFST GROSS % | BWFG GROSS % | SFST FCF | BWFG FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.85B | $2.8M | — | — | $29.9M | $27.1M |
| FY 2024 | $1.72B | $2.0M | — | — | $24.8M | $29.3M |
| FY 2023 | $101.6M | $1.6M | — | — | $17.7M | $31.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SFST // BETA —
BWFG // BETA —