Bankwell Financial Group Inc (BWFG) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bankwell Financial Group Inc stock $38.19, price $70.12, that is 45.5% below the price, quality 58 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Bankwell Financial Group Inc
BWFG · USOur calculation puts a fair price 46% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
60‑month range $19.91 – $73.27 · fair‑value band $33.57 – $52.22 · the $70.12 price screens above the $38.19 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 4, 2026.
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Company profile
Bankwell Financial Group, Inc. operates as the bank holding company for Bankwell Bank that provides various banking services for individual and commercial customers. It provides various traditional depository products, including checking, savings, money market, and certificates of deposit.
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The company also offers first mortgage loans secured by one-to-four family owner occupied residential properties for personal use; home equity loans and home equity lines of credit secured by owner occupied one-to-four family residential properties; loans secured by commercial real estate, multi-family dwellings, owner-occupied commercial real estate, and investor-owned one-to-four family dwellings; commercial construction loans for commercial development projects, including apartment buildings and condominiums, as well as office buildings, retail, and other income producing properties; land loans; commercial business loans secured by assignments of corporate assets and personal guarantees of the business owners; loans to finance insurance premiums; overdraft lines of credit; and personal loans.
It operates branches in New Canaan, Stamford, Fairfield, Westport, Darien, Norwalk, and Hamden, Connecticut. 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.
Stock analysis
Bankwell Financial Group Inc (BWFG) currently trades at $70.12, while our model-based Fair Value estimate is $38.19, 46% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $46.04 per share, and 0 of the 6 models we run sit above the $70.12 price.
Bear case: the Dividend Discount group reads lowest at $11.92, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $33.57 (bear) to $52.22 (bull), the price of $70.12 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bankwell Financial Group Inc reported revenue of $208M in FY2025 versus $87.0M in FY2021, a compound +24.3%/yr. Reported net income was $35.2M in FY2025, compounding +7.3%/yr from FY2021.
Key figures
Market cap $552M Small · P/E ratio 13.0 · P/S ratio 4.28 · EPS (TTM) $5.38 · Dividend yield 1.1% · Net margin 35.3% · Return on equity 14.5% · Return on assets (EBIT) 1.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 64% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −46%, BWFG screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, one officer or director bought shares worth $1.4M, on Sep 8, 2026. Over the same period, 2 people sold shares worth $401,089.
- BuyLawrence B SeidmanDirector, 10% owner14× since Dec 8, 2025: 76,969 shares, avg. $51.69$4.0MSep 8, 2026
- SaleRyan Jason HildebrandChief Innovation Officer2× since Jul 1, 2026: 3,334 shares, avg. $64.04$213,524Jul 31, 2026
- SaleTodd LampertDirector3,500 shares at $53.59$187,565Jun 5, 2026
- SaleChristine ChivilyEVP & Chief Credit Officer3× since Nov 12, 2025: 8,859 shares, avg. $49.72$440,449May 1, 2026
- SaleKevin D LeitaoDirector200 shares at $46.39$9,278Feb 23, 2026
- SaleMatt McNeillPresident & CBO3,794 shares at $49.83$189,055Feb 9, 2026
- SaleChristopher R GrusekeCEO5,056 shares at $49.79$251,738Feb 9, 2026
- SaleAngelo G FusaroPrincipal Accounting Officer316 shares at $49.88$15,762Feb 9, 2026
- SaleCourtney E SacchettiEVP & Chief Financial Officer1,062 shares at $49.79$52,877Feb 9, 2026
- SaleSteven H BrunnerEVP & Chief Risk Officer1,876 shares at $49.85$93,519Feb 9, 2026
Plus 5 more entries from the last 12 months.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
BWFG screens overvalued: fair value 46% below the price. Compare with China Merchants Bank Co →
Earlier news
- Bankwell Financial Group, Inc. (BWFG) Surpasses Q3 Earnings and Revenue Estimates
- Bankwell Financial Group Named to Piper Sandler's 2026 Sm-All Stars Class
- Bankwell Financial's 2026 Outlook: Brooklyn Expansion Drives Strategic Growth in Urban Banking Markets
Compare Bankwell Financial Group Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Net margin by industry
- P/B ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BWFG |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BWFG |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BWFG |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BWFG |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BWFG |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BWFG |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs BWFG |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BWFG |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BWFG |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BWFG |
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Key figures of Bankwell Financial Group Inc
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