Stock Ratings / Financials / BWFG / financials

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Bankwell Financial Group Inc. (BWFG) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$69.65 +4.13% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Bankwell Financial Group Inc. (BWFG) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $555.2M

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INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BWFG)Realized 20D OHLCV Swing Band: ±4.3%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How BWFG Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$27.1M (960% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $1.6M

FY24

Rev $2.0M

FY25

Rev $2.8M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$2.8M	52%	0%	$35.2M	$27.1M	11.7%
FY 2024	$2.0M	52%	0%	$9.8M	$29.3M	11.7%
FY 2023	$1.6M	52%	0%	$36.7M	$31.9M	11.7%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BWFG)

✓Walkthrough of BWFG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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BWFG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +34.67%▲ RESISTANCE BREAKOUT

2026-10-30O $70.35H $71.50L $69.43C $69.65VOL 97.5K

RES: $67.96SUP: $64.92SMA50: $66.39SMA200: $56.90

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BWFG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BWFG Butterfly Map → + Track BWFG →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.3%/yr Implied 5Y Growth

vs. +44.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BWFG today. View full Setup Ledger →

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No direct multi-tier Butterfly edges indexed yet for BWFG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BWFG)

Financials Rank #255 of 1096 ⚔️ NPB vs BWFG Full Matrix →

1. Head-to-Head Financials Peer Comparison (BWFG vs. NPB, BSRR, BSVN, BWB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Bankwell Financial Group Inc. (BWFG) ranks #255 by composite RQD confidence (67/100, grade C+) and #681 by equity capitalization ($555.2M). Within this direct 5-issuer industry benchmark cohort, NPB leads on earnings valuation at 6.7x trailing P/E, while BSVN leads on capital efficiency and profitability with 17.2% ROIC and — gross margin. BSVN currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with BWFG at 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BWFG ACTIVE Bankwell Financial Group Inc.	C+	67/100	15.8x	—	11.7%	+4.13%	$555.2M	Benchmark Subject
NPB Northpointe Bancshares Inc.	C	63/100	6.7x	—	14.7%	-0.06%	$559.5M	/npb-vs-bwfg →
BSRR Sierra Bancorp	C	65/100	13.0x	—	11.6%	+0.21%	$550.2M	/bsrr-vs-bwfg →
BSVN Bank7 Corp.	B-	70/100	13.1x	—	17.2%	+0.46%	$564.9M	/bsvn-vs-bwfg →
BWB Bridgewater Bancshares Inc.	D+	53/100	12.3x	—	8.9%	-0.24%	$567.2M	/bwb-vs-bwfg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001505732

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Bankwell Financial Group Inc. (BWFG) reported GAAP revenue of $2.8M (+44.0% vs. FY2024 revenue of $2.0M , and +73.5% cumulative change since FY2023) , GAAP net income of $35.2M, operating cash flow of $28.3M, and free cash flow of $27.1M (-7.5% YoY). On the balance sheet, BWFG closed FY2025 with $3.36B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$2.8M	$35.2M	$28.3M	$27.1M	$3.36B	—
FY2024 (FY)	2024-12-31	$2.0M	$9.8M	$29.9M	$29.3M	$3.27B	—
FY2023 (FY)	2023-12-31	$1.6M	$36.7M	$31.9M	$31.9M	—	—

3. BWFG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BWFG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Bankwell Financial Group Inc. (NASDAQ: BWFG) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $69.65 (+4.13% 1D, market cap $555.2M). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, BWFG ranks #255 in composite RQD confidence.

How does BWFG compare to NPB and BSRR in the Financials sector?

Within the Financials sector (Major Banks), BWFG carries a Roarable C+ (67/100 RQD), trailing P/E of 15.8x, gross margin of —, and ROIC of 11.7%. By comparison, NPB (Northpointe Bancshares Inc.) holds a C grade (63/100 RQD, P/E 6.7x, ROIC 14.7%, cap $559.5M) and BSRR (Sierra Bancorp) posts a C grade (65/100 RQD, P/E 13.0x, ROIC 11.6%, cap $550.2M). Among the 5-stock peer group, NPB leads on earnings multiple (6.7x) while BSVN leads on capital efficiency (17.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BWFG?

Per BWFG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001505732), Bankwell Financial Group Inc. generated $2.8M in revenue (+44.0% YoY), $35.2M in net income, and $27.1M in free cash flow against $3.36B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BWFG trading relative to its 50-day, 200-day, and 52-week technical levels?

BWFG last traded at $69.65 (+4.13% on volume of 346,215 shares), positioning the stock +4.91% above its 50-day simple moving average ($66.39) and +22.41% above its 200-day simple moving average ($56.90). Across its 52-week range of $42.61 to $71.50, BWFG sits at the 93.6% percentile with a 14-day RSI of 73.9 (OVERBOUGHT (>70)) and an implied next-earnings move of ±4.3% ($66.66 to $72.64).