BANKWELL FINANCIAL GROUP INC (BWFG)
Financials · regional banks · NASDAQ
A community-focused commercial bank holding company providing personalized banking services to small and medium-sized businesses and consumers in Connecticut and the New York metro area.
What BANKWELL FINANCIAL GROUP INC does
Bankwell Financial Group, Inc. is a bank holding company that operates primarily through its subsidiary, Bankwell Bank. The company provides a range of commercial and retail banking services, including lending, deposit-taking, and investment activities, primarily serving small and medium-sized businesses and individuals in Connecticut and the New York metropolitan area.
Recent developments
In July 2026, the company updated its full-year 2026 guidance, increasing its net interest income target to $115–$117 million and raising its loan growth outlook to 5%–7%. The company also increased its non-interest expense guidance to $65–$67 million to support continued investment in talent and infrastructure.
From BANKWELL FINANCIAL GROUP INC's filing of 2026-08-05.
Themes: commercial banking, community banking, loan growth, net interest margin expansion, deposit growth
Fundamentals
- Price$65.66 as of 2026-10-08 close
- Market cap$523M as of 2026-07-30 (share count; price 2026-10-08)
- 1-year return+52.3% 2025-10-08 close $43.11 → 2026-10-08 close $65.66
- P/E12.06 as of 2026-10-08
- Net margin+1245.5% FY2025, SEC XBRL
- ROE+11.7% FY2025, SEC XBRL
- Debt / equity0.22 as of 2026-09-03
- Revenue CAGR (3y)+38.1% SEC XBRL
- Beta0.86 as of 2026-09-03
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.2%; at least 11 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How BWFG compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- net profit margintop 10% 344 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- indicated dividend yieldbottom 25% 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, BWFG's dividend was covered by reported results (earnings payout 18%, free-cash-flow payout 23%). This describes past coverage, not a forecast.
- Earnings payout18% dividends / net income
- Free-cash-flow payout23% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How BANKWELL FINANCIAL GROUP INC looks technically
BANKWELL FINANCIAL GROUP INC (BWFG) is trading 18.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 524 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 7 trading days ago. Trading volume is unusually light — only about 44% of its 30-day average.
Trend
8
| Distance from the 200-day | it is trading 18.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +18.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $66.64 | $66.64 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $55.25 | $55.25 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 64.01. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 524 trading days ago — a "golden cross", a bullish long-term signal | 524 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend) | 23.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 48, neither overbought (above 70) nor oversold (below 30) | 47.5 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($64.01 to $67.37) — its "stochastic" reading is 49 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 49.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 17 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $69.59 | $69.59 |
|---|---|---|
| From the 52-week high | it is 5.6% below its 52-week high (its highest price of the past year) | -5.7% |
| Above the 52-week low | it is 62.3% above its 52-week low (its lowest price of the past year) | +62.3% |
| Below the 52-week high | it is 5.6% below its highest point of the past year | 5.7% |
| Since a 20-day breakout | it made a new 20-day low about 7 trading days ago | 7 sessions |
| Since a 55-day breakout | it made a new 55-day high about 20 trading days ago | 20 sessions |
| All-time high | its highest closing price on record is $69.59 (set on 2026-08-03) | $69.59 |
| Given back of the 52-week move | over the past year its closes ranged ($40.68 to $68.57), and it has given back only a small part of its rise from last year’s low — 10% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $50.44 to $51.33. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 10.4% |
| From the all-time high | it is 5.6% below its all-time high | -5.7% |
| Nearest price level | it is trading 3.2% above a support level at $63.56 — a price it turned at twice since 2026-09-02, most recently on 2026-10-01. Since 2024-10-08 it has 17 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -3.2% |
| All-time low | its lowest closing price on record is $12.07 (set on 2020-04-02) | $12.07 |
| Above the all-time low | it is 444.0% above its all-time low | +444.0% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 76% of it) | 24th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.35 between its high and its low — about 2.1% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.35 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $64.44 and $68.17 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $64.44 – $66.31 – $68.17 |
| Typical daily range (% of price) | its price moves about 2.1% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.0% |
| Stretch from the 200-day average | it is trading 7.7 daily ranges above its 200-day average price (18.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 7.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is unusually light — only about 44% of its 30-day average | 0.44× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
|---|
Price gaps
1
| Gap at the open | it opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap | -0.1% |
|---|
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 1.8 percentage points (the stock lost 0.8% while the market gained 1.0%) | -1.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 12.6 percentage points (the stock gained 16.5% while the market gained 3.8%) | +12.6% |
| vs market, 6 months | over the past 6 months this stock beat the market by 14.2 percentage points (the stock gained 31.7% while the market gained 17.5%) | +14.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 37.3 percentage points (the stock gained 52.3% while the market gained 15.0%) | +37.3% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 5.6% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 13% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $58.02 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP. | +13.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $66.21 — a volume-weighted average of daily closes over 55 sessions, not a true tick-by-tick VWAP. | -0.8% |
Price levels it has turned at before
BWFG last closed at $65.66 on 2026-10-08. Since 2024-10-08 it has turned at 17 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $63.56 | Support | 3.2% below the last close | turned there twice · 2026-09-02 to 2026-10-01 |
| $69.22 | Resistance | 5.4% above the last close | turned there three times · 2026-08-03 to 2026-09-14 |
| $56.06 | Support | 14.6% below the last close | turned there twice · 2026-07-08 to 2026-07-23 |
| $53.40 | Support | 18.7% below the last close | turned there five times · 2026-04-09 to 2026-05-22 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $64.01.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · beating the market · Printed a bullish engulfing pair · Stretched far above its 200-day average (6+ daily ranges) · Trading inside the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · breakout · volume and relative volume
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$69.50 range $67.00 – $72.00
Analyst estimates, as of 2026-10-07. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for BWFG
- Consensus EPS estimate$1.44 next reporting period, as of 2026-10-07
- Estimate change, 30 days$0.00 (0.0%) from $1.44, on 2026-09-02, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Credit risk and potential loan losses in the loan portfolio","Sensitivity to market interest rate volatility and Federal Reserve interest rate policies","Increased competition within the local and regional markets"]
What changed in the latest 10-Q
AI-assisted comparison of BWFG's 10-Q filed 2026-08-05 against the prior one filed 2026-05-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-05) adds quarterly and six-month comparative figures for Q2 2026 vs Q2 2025 for revenues, net income, EPS, ROE, and ROA.
- Newer filing (2026-08-05) adds six-month FTE net interest income figures: $56.6 million for 2026 and $46.3 million for 2025.
- Newer filing (2026-08-05) adds six-month FTE interest income figures: $103.0 million for 2026, a $5.6 million or 5.7% increase versus 2025.
- Newer filing (2026-08-05) adds six-month interest expense decrease of $4.7 million.
- Newer filing (2026-08-05) adds attribution of the six-month revenue increase to a decrease in interest expense on deposits, higher interest income, and higher gains from loan sales.
- Newer filing (2026-08-05) adds attribution of the three-month revenue increase to a decrease in interest expense on deposits and higher interest income.
- Newer filing (2026-08-05) adds 'improved deposit mix' as an additional driver of decreased deposit interest expense.
- Newer filing (2026-08-05) adds an Executive Overview list with four bullet points: responsive client-centric products and services; organic growth and strategic acquisitions; efficient and scalable infrastructure; and disciplined focus on risk management.
- Removed:
- Older filing (2026-05-06) contains an Executive Overview with six competitive strengths bullet points (Strategic Market Reach, Experienced Leadership, Dedicated Board of Directors, Disciplined Risk Management, Strong Capital Position, Scalable Operating Platform) that are removed in the newer filing.
- Older filing (2026-05-06) includes critical accounting estimates for the valuation of derivative instruments, investment securities and deferred income taxes, and the evaluation of investment securities; the newer filing omits these and instead references ACL-Loans and ACL-Securities.
- Reworded:
- Older filing (2026-05-06) uses 'out superior service' while newer filing (2026-08-05) uses 'our superior service'.
- Older filing (2026-05-06) describes ACL-Loans only as a critical estimate, while newer filing (2026-08-05) describes both ACL-Loans and ACL-Securities as critical estimates.
- Older filing (2026-05-06) Executive Overview text is rewritten in the newer filing (2026-08-05) from a six-strengths list to a four-bullet strategic focus list.
- Newer filing (2026-08-05) changes quarterly earnings discussion from Q1 2026 vs Q1 2025 to Q2 2026 vs Q2 2025 and adds six-month comparisons.
- Newer filing (2026-08-05) changes the table header periods from March 31 to June 30.
- Notes:
- Newer filing is truncated at the start of the Distribution of Assets table and does not contain the full table; older filing contains the full Q1 table.
- Older filing includes a 'Net Interest Income' section with a missing 'other borrowings,' comma where newer filing has 'and other borrowings and is'; newer filing restores the comma.
- The older filing contains a typo ('out superior service') corrected in the newer filing to 'our superior service'.
Risk Factors
- Reworded:
- The newer filing (filed 2026-08-05) states 'There were no material changes in risk factors previously disclosed in the Company’s Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC.' The older filing (filed 2026-05-06) contains the identical sentence.
- Notes:
- The provided texts include only the 'Item 1A. Risk Factors' heading plus the no-material-changes statement for both filings; the rest of the text in each excerpt (Items 2-6) is not part of the Risk Factors section, so the comparison is limited to the one sentence under Item 1A.
- This is an AI-assisted source comparison, not legal or investment advice.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
23 open-market purchases and 1 open-market sale by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 90 days · read to 2026-10-0423 buys ($1M) · 1 sell ($149898) — 5 buying, 1 selling insiders
- Last 180 days · read to 2026-10-0442 buys ($2M) · 4 sells ($626473) — 5 buying, 3 selling insiders
Cluster buying: 5 different insiders reported open-market purchases (SEC code P) of BWFG within a 30-day window between 2026-05-13 and 2026-06-05. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-09-08. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about BWFG's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding BWFG as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 772,811
- Reported value $45,402,649
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about BWFG's institutional holders → See what each manager we track holds →
Short interest (FINRA)
BWFG had 522,281 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
BWFG had 6.55% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 7.38 days to cover at the same settlement.
- Reported short interest (shares) 522,281
- Short interest (% of shares outstanding) 6.55%
- Prior settlement (shares) 478,812
- Reported change 9.08%
- Days to cover (reported) 7.38
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- People's United Financial
- Webster Financial (WBS)
- Berkshire Hills Bancorp (BHLB)
- Community Bank System (CBU)
- Washington Trust Bancorp (WASH)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does BANKWELL FINANCIAL GROUP INC (BWFG) do?
Bankwell Financial Group, Inc. is a bank holding company that operates primarily through its subsidiary, Bankwell Bank. The company provides a range of commercial and retail banking services, including lending, deposit-taking, and investment activities, primarily serving small and medium-sized businesses and individuals in Connecticut and the New York metropolitan area.
What sector is BANKWELL FINANCIAL GROUP INC (BWFG) in?
BANKWELL FINANCIAL GROUP INC (BWFG) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does BWFG pay a dividend?
Yes — BANKWELL FINANCIAL GROUP INC (BWFG) pays a dividend, with an indicated yield of about 1.20% and at least 11 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are BANKWELL FINANCIAL GROUP INC's (BWFG) competitors?
Notable peers of BANKWELL FINANCIAL GROUP INC (BWFG) include People's United Financial, Webster Financial, Berkshire Hills Bancorp, Community Bank System and Washington Trust Bancorp. This peer set is informational only — not financial advice.
Is BANKWELL FINANCIAL GROUP INC (BWFG) overbought or oversold right now?
BANKWELL FINANCIAL GROUP INC (BWFG) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 48, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BWFG come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.