olivLaw · US equity research
Bankwell Financial Group, Inc. BWFG
State Commercial Banks · SIC 6022 · Vertical: State Commercial Banks (SIC 6022)
Bankwell Financial Group is the bank holding company based in New Canaan, Connecticut, serving mainly small and medium-sized businesses and professionals through its Connecticut state-chartered bank. Helped by core deposit growth and a wider net interest margin, the company reported higher earnings in 2026, with total assets of about 3.4 billion USD at the end of 2025.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 04 Nov 2026, Bankwell Financial Group, Inc. (BWFG) stock was 73.27 USD (+2.22% on the day), with market capitalisation 584.1 m USD, P/E 12.9 on diluted EPS of 5.68 USD over the last 12 months, dividend yield 1.09%, beta 0.82, 52-week range 43.32–73.27 USD. Latest reported quarter (Q3 2026): revenue of 951.0 k USD (+22.1% YoY), net income of 12.7 m USD (+26.4% YoY), diluted EPS 1.58 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 73.4
- overbought (≥ 70)
- Bollinger (20, 2)
- 62.08 – 72.79
- above the upper band · %B 1.04 · band width 15.9%
- SMA 50 / 200
- 66.78 / 57.28
- uptrend (price > SMA50 > SMA200)
- MACD (12, 26, 9)
- 1.59 / 0.82
- MACD above signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | +10.8% | −1.1% | +11.9 pp | — |
| 3 months | +9.0% | −0.5% | +9.5 pp | — |
| 6 months | +40.0% | +4.4% | +35.6 pp | — |
| Year to date | +59.9% | +12.3% | +47.6 pp | — |
| 1 year | +70.7% | +13.5% | +57.1 pp | +25.6% |
| 3 years | +178.8% | +76.4% | +102.4 pp | +69.3% |
| 5 years | +138.7% | +63.7% | +75.0 pp | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 30 Sept 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 589.0 k | 602.0 k | 674.0 k | 779.0 k | 771.0 k | 780.0 k | 665.0 k | 951.0 k |
| Depreciation & amortisation | 970.0 k | 974.0 k | 1.0 m ≈ | 1.0 m ≈ | 1.1 m | 1.1 m | 1.1 m ≈ | 1.1 m ≈ |
| Pre-tax income | 4.1 m | 9.0 m | 11.8 m | 13.5 m | 14.2 m | 14.4 m | 16.3 m | 16.8 m |
| Income tax | 1.1 m | 2.1 m | 2.7 m | 3.4 m | 5.1 m | 3.1 m | 3.9 m | 4.0 m |
| Net income | 3.0 m | 6.9 m | 9.1 m | 10.1 m | 9.1 m | 11.3 m | 12.4 m | 12.7 m |
| Diluted EPS | 0.38 ≈ | 0.87 | 1.14 | 1.26 | 1.17 ≈ | 1.41 | 1.52 | 1.58 |
| Operating cash flow | 14.3 m | 3.9 m | 6.5 m ≈ | 10.3 m ≈ | 7.5 m | 7.7 m | 10.2 m ≈ | 13.0 m ≈ |
| Capex | 46.0 k | 97.0 k | 378.0 k ≈ | 404.0 k ≈ | 265.0 k | 470.0 k | 191.0 k ≈ | 724.0 k ≈ |
| Dividends paid | 1.6 m | 1.6 m | 1.6 m ≈ | 1.6 m ≈ | 1.6 m | 1.6 m | 1.6 m ≈ | 1.6 m ≈ |
| Share repurchases | 0 | 912.0 k | 422.0 k ≈ | 0 ≈ | 0 | 150.0 k | 0 ≈ | 0 ≈ |
≈ derived quarter (cumulative difference / share-days average)
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Today's P/E sits at the 60 percentile of its own 40-quarter history (min 4.9, median 12.2, max 26.1; quarters with earnings only).
Fiscal years
| Fiscal year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 1.1 m | 1.0 m | 788.0 k | 872.0 k | 1.1 m | 1.6 m | 2.0 m | 2.8 m |
| Revenue YoY | unavailable | −6.1% | −23.0% | +10.7% | +22.9% | +52.0% | +20.5% | +44.0% |
| Net income | 17.4 m | 18.2 m | 5.9 m | 26.6 m | 37.4 m | 36.7 m | 9.8 m | 35.2 m |
| Net income YoY | +26.1% | +4.5% | −67.6% | +350.3% | +40.8% | −2.0% | −73.4% | +260.3% |
| Diluted EPS | 2.21 | 2.31 | 0.75 | 3.36 | 4.79 | 4.67 | 1.23 | 4.45 |
| Diluted EPS YoY | +24.2% | +4.5% | −67.5% | +348.0% | +42.6% | −2.5% | −73.7% | +261.8% |
| net % | 1,599.4% | 1,780.6% | 749.2% | 3,048.9% | 3,491.5% | 2,250.6% | 497.7% | 1,245.5% |
| Free cash flow | 16.6 m | 6.0 m | unavailable | unavailable | 77.7 m | 29.9 m | 29.3 m | 27.1 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2025 · 31 Dec 2025
- Cash
- 224.9 m USD
- Financial debt
- unavailable USD
- Net debt
- unavailable USD
- Equity
- 301.5 m USD
- Total assets
- 3.4 bn USD
- Debt / equity
- unavailable
- Current ratio
- unavailable
- ROE
- 12.3%
- ROA
- 1.1%
- FCF margin
- 960.0%
Financial statements (source on every figure)
Revenue and net income (USD)
Income statement · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Net interest income | 54.8 m | 67.9 m | 94.7 m | 94.5 m | 83.3 m | 98.9 m | SEC (XBRL)· 04 Mar 2026verified |
| Net fee income | 2.9 m | 5.7 m | 3.0 m | 4.8 m | 3.7 m | 9.4 m | SEC (XBRL)· 04 Mar 2026verified |
| Non-interest expense | 42.8 m | 39.7 m | 44.4 m | 50.4 m | 51.1 m | 58.8 m | SEC (XBRL)· 04 Mar 2026verified |
| Pre-tax income | 7.3 m | 33.9 m | 48.0 m | 48.0 m | 13.3 m | 48.5 m | SEC (XBRL)· 04 Mar 2026verified |
| Net income | 5.9 m | 26.6 m | 37.4 m | 36.7 m | 9.8 m | 35.2 m | SEC (XBRL)· 04 Mar 2026verified |
| Diluted EPS | 0.75 | 3.36 | 4.79 | 4.67 | 1.23 | 4.45 | SEC (XBRL)· 04 Mar 2026verified |
| Dividend per share | 0.56 | 0.64 | 0.80 | 0.80 | 0.80 | 0.80 | SEC (XBRL)· 04 Mar 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 409.6 m | 344.7 m | 355.7 m | 269.2 m | 307.5 m | 224.9 m | SEC (XBRL)· 04 Mar 2026verified |
| Loans | 1.6 bn | 1.9 bn | 2.6 bn | 2.7 bn | 2.7 bn | 2.8 bn | SEC (XBRL)· 04 Mar 2026verified |
| Total assets | 2.3 bn | 2.5 bn | 3.3 bn | 3.2 bn | 3.3 bn | 3.4 bn | SEC (XBRL)· 04 Mar 2026verified |
| Deposits | 1.8 bn | 2.1 bn | 2.8 bn | 2.7 bn | 2.8 bn | 2.8 bn | SEC (XBRL)· 04 Mar 2026verified |
| Total liabilities | 2.1 bn | 2.3 bn | 3.0 bn | 2.9 bn | 3.0 bn | 3.1 bn | SEC (XBRL)· 04 Mar 2026verified |
| Equity | 176.6 m † | 202.0 m † | 238.5 m † | 265.8 m † | 270.5 m † | 301.5 m † | SEC (XBRL)· 04 Mar 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Dividends paid | 4.4 m | 5.0 m | 6.2 m | 6.2 m | 6.3 m | 6.3 m | SEC (XBRL)· 04 Mar 2026verified |
| Share repurchases | 1.0 m | 5.1 m | 5.5 m | 0 | 2.1 m | 1.3 m | SEC (XBRL)· 04 Mar 2026verified |
Computed indicators
Growth
Profitability
Returns
Market and valuation
Banking
32 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 45 / 100
A scoring methodology on indicators and valuation, not investment advice.
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 584.1 m USD
Key indicators
Coverage and freshness
Score by group
- Valuation26
- Returns9
- Quality69
- Balance sheet2
- Growth43
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 45.99 – 86.89 USD.
Methods computed but outside the aggregate range: Dividend discount (DDM) (a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate).
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- Residual income45.99 – 48.13 (Mid 47.04)
- Justified P/B64.61 – 86.89 (Mid 74.11)
- Dividend discount (DDM)outside the aggregate10.51 – 14.14 (Mid 12.06)a small share of earnings is paid as dividends (capital returns through buybacks): the dividend model does not describe the value and stays outside the aggregate
- Peers: P/E61.73 – 74.26 (Mid 66.67)31 companies used · median multiple 11.7x · quartiles 10.9x – 13.1xALLY, AUBN, BFST, BNY, BOH, BPOP, BSRR, CFFI, CFG, CIVB, COLB, COSO, EWBC, FXNC, IBCP, INBK, ISBA, JMSB, LKFN, MCHB, MTB, NTRS, OFG, OPBK, ORRF, PEBK, PEBO, RBB, STT, TCBK, UBCP
- Peers: P/B47.37 – 62.84 (Mid 54.49)32 companies used · median multiple 1.3x · quartiles 1.1x – 1.5xALLY, AUBN, AVBH, BFST, BOH, BPOP, BRBS, BSRR, CFFI, CFG, CIVB, COLB, COSO, EWBC, FITB, FXNC, GBCI, IBCP, INBK, ISBA, JMSB, LKFN, MTB, OFG, OPBK, ORRF, PEBK, PEBO, RBB, STT, TCBK, UBCP
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Neutral profile · Score 45/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROE · Quality | 14.5% | 79 (vs peers) | 19% |
| ROA · Quality | 1.3% | 67 (on a fixed band) | 7% |
| Cost-to-income · Quality | 52.4% | 50 (on a fixed band) | 12% |
| Net interest margin · Quality | 3.4% | 75 (on a fixed band) | 7% |
| EPS CAGR 3Y · Growth | -2.4% | 0 (on a fixed band) | 10% |
| Revenue CAGR 3Y · Growth | 38.1% | 100 (on a fixed band) | 7% |
| NPL ratio · Balance sheet | unavailable | unavailable | — |
| Cost of risk · Balance sheet | unavailable | unavailable | — |
| Loan-to-deposit · Balance sheet | 99.3% | 2 (on a fixed band) | 5% |
| P/B · Valuation | 1.7x | 11 (vs peers) | 12% |
| P/E (TTM) · Valuation | 12.9x | 40 (vs peers) | 12% |
| Dividend yield · Returns | 1.1% | 9 (vs peers) | 10% |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial2/100 · 1/3 factors with a value
- Growth43/100 · 2/2 factors with a value
- Quality69/100 · 4/4 factors with a value
- Returns9/100 · 1/1 factors with a value
- Valuation26/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
Bankwell Financial Group, Inc. (BWFG). Latest full fiscal year: 2025; data up to 2026-09-30.
Figures computed from the financial statements: net interest income 98.9 m USD in 2025; YoY growth 44.0%; net margin 1,437.5%; ROE 14.5%.
The estimated value range is 54.55–68.55 USD per share (median of 4 methods, agreement: high); assumptions are illustrative. Against the central value of 60.58 USD, the price of 73.27 USD leaves a potential of -17.3% (value / price − 1) and a margin of safety of -20.9% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 45/100, methodological classification: neutral profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- ROE: 14.5%
- Net interest margin: 3.4%
- Revenue CAGR 3Y: 38.1%
What contradicts it
- EPS CAGR 3Y: -2.4%
- Loan-to-deposit: 99.3%
- P/B: 1.7x
- Dividend yield: 1.1%
- The price is above the estimated value range
Not assessed (insufficient data or a ratio without meaning): NPL ratio, Cost of risk.
Versus the vertical median
State Commercial Banks (SIC 6022) · same industry (4-digit SIC) · compared with 39 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| BNYThe Bank Of New York Mellon Corporation | 102.8 bn | 16.8 | 15.0% | 32.6% | +7.8% | +36% / +216% |
| FITBFifth Third Bancorp | 49.4 bn | 18.4 | 9.4% | — | −2.0% | +26% / +89% |
| STTState Street Corporation | 47.2 bn | 13.9 | 13.1% | 23.8% | +7.3% | +46% / +138% |
| MTBM&T Bank Corp | 32.4 bn | 11.7 | 10.7% | 178.1% | +7.5% | +18% / +75% |
| NTRSNorthern Trust Corporation | 32.2 bn | 13.7 | 18.4% | 28.8% | −2.5% | +36% / +125% |
| CFGCitizens Financial Group Inc | 27.6 bn | 13.0 | 8.9% | 25.4% | +5.6% | +22% / +142% |
| EWBCEast West Bancorp, Inc. | 18.4 bn | 12.9 | 16.6% | — | +4.4% | +26% / +113% |
| ALLYAlly Financial Inc. | 11.8 bn | 8.8 | 9.9% | 16.8% | −3.3% | −5% / +35% |
| BPOPPopular, Inc. | 10.1 bn | 10.7 | 15.6% | — | unavailable | +38% / +115% |
| COLBColumbia Banking System, Inc. | 8.9 bn | 12.5 | 11.0% | 401.7% | +18.8% | +13% / +40% |
| GBCIGlacier Bancorp, Inc. | 6.5 bn | 18.6 | 8.8% | 308.8% | +7.5% | +17% / +48% |
| BOHBank Of Hawaii Corporation | 2.8 bn | 12.3 | 13.6% | 202.1% | −0.1% | +9% / +23% |
| OFGOFG Bancorp | 2.2 bn | 10.1 | 16.1% | — | unavailable | +30% / +53% |
| TCBKTriCo Bancshares | 1.7 bn | 12.9 | 10.4% | 249.7% | +4.1% | +12% / +57% |
| LKFNLakeland Financial Corporation | 1.6 bn | 14.1 | 15.4% | — | −2.1% | +8% / +13% |
| PEBOPeoples Bancorp Inc. | 1.4 bn | 11.7 | 10.1% | 136.3% | +2.3% | +34% / +35% |
| BFSTBusiness First Bancshares, Inc. | 1.1 bn | 11.6 | 10.1% | 768.0% | +1.2% | +27% / +63% |
| ORRFOrrstown Financial Services, Inc. | 890.4 m | 10.2 | 14.8% | 232.4% | +36.0% | +27% / +89% |
| IBCPIndependent Bank Corporation | 822.4 m | 11.0 | 13.5% | 218.4% | +0.3% | +14% / +72% |
| CUBBCustomers Bancorp, Inc. | 701.4 m | 2.5 | 14.3% | — | −14.0% | −3% / +9% |
| CIVBCivista Bancshares, Inc. | 599.1 m | 11.0 | 11.2% | 276.9% | −0.5% | +27% / +84% |
| BWFGBankwell Financial Group, Inc. | 584.1 m | 12.9 | 14.5% | 1,437.5% | +44.0% | +71% / +179% |
| BSRRSierra Bancorp | 555.6 m | 11.1 | 14.0% | — | unavailable | +38% / +129% |
| RBBRBB Bancorp | 443.9 m | 10.8 | 7.9% | 720.3% | −2.4% | +32% / +72% |
| AVBHAvidbank Holdings, Inc. | 383.5 m | — | -5.6% | — | unavailable | +34% / +69% |
1- and 3-year price returns: for BWFG from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | 48.18 Total return -33% · Per year -33% | 84.79 Total return 17% · Per year 17% | 127.18 Total return 75% · Per year 75% |
| 3 years | 57.15 Total return -19% · Per year -7% | 112.13 Total return 57% · Per year 16% | 183.14 Total return 155% · Per year 37% |
| 5 years | 67.78 Total return -2% · Per year -0% | 148.29 Total return 111% · Per year 16% | 263.72 Total return 271% · Per year 30% |
- Exit P/E± 28.03
- Net margin± 19.62
- Annual revenue growth± 14.63
- Annual dilution± 1.65
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 05 Aug 2026; since then the company filed 10-Q (04 Nov 2026), 8-K (29 Oct 2026 · results).
In brief
Bankwell Financial Group is the bank holding company based in New Canaan, Connecticut, serving mainly small and medium-sized businesses and professionals through its Connecticut state-chartered bank. Helped by core deposit growth and a wider net interest margin, the company reported higher earnings in 2026, with total assets of about 3.4 billion USD at the end of 2025 123.
SWOT
Strengths
Weaknesses
Opportunities
Risks
- Credit riskhigh
Losses from unpaid loans could rise if borrowers cannot meet their obligations, especially in commercial real estate and construction lending 1.
- Concentration in large clientshigh
If one of the largest clients runs into difficulty, nonperforming loans could increase significantly 1.
- Interest rate riskmedium
Changes in interest rates can affect net interest income and borrowers' ability to pay, particularly if funding costs rise faster than asset yields 1.
- Adequacy of loan loss reservesmedium
Loan loss reserves could prove insufficient if economic conditions deteriorate, requiring additional provisions 1.
- Geographic concentrationlow
Operations are concentrated in a relatively limited area, exposing the company to local economic conditions 1.
Investment thesis
What would need to be true (bull case)
- The rise in net interest margin, efficiency and profit in the second quarter of 2026 could signal a durable improvement in the business model 3.
- Raised guidance for net interest income and loan growth could support continued expansion 3.
- Reducing reliance on wholesale funding and brokered deposits could lower funding risk 3.
What would break the thesis
- Credit risk remains relevant, especially as the portfolio grows and seasons, and provisions could need to rise 1.
- The margin improvement depends largely on interest rate developments, which can be hard to predict 1.
- Higher spending on staff and infrastructure could reduce efficiency gains in later periods 3.
What to watch
- Evolution of net interest margin and deposit costsQ3 2026
- Quality of the loan portfolio and level of nonperforming loansQ3 2026
- Delivery against revised guidance for net interest income and non-interest expense2026
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 05 Aug 2026; since then the company filed 10-Q (04 Nov 2026), 8-K (29 Oct 2026 · results).
The business
Bankwell Financial Group, Inc. is a bank holding company headquartered in New Canaan, Connecticut, offering financial services through its subsidiary Bankwell Bank, a Connecticut state-chartered commercial bank founded in 2002 1. The bank operates nine full-service branches in Connecticut and opened a new branch in Brooklyn, New York, in the first quarter of 2026 1. At 31 December 2025, consolidated total assets were about 3.4 billion USD and net loans about 2.8 billion USD 1.
The strategy aims to be the banking provider of choice by offering a compelling alternative to larger competitors, with an emphasis on long-term relationships, personalised service and scalable technology, including the Bankwell Direct online account channel 1. The company also cites strategic acquisitions as a way to complement organic growth in or adjacent to its market 1. Risk management is presented as a core part of the corporate culture, with Board-approved policies and dedicated committees 1.
Deposits are the primary funding source for loans, while the largest expenses are interest on deposits and salaries 2. In the first half of 2026 revenue rose, driven by lower interest expense on deposits and higher interest income, and net income available to common shareholders for the second quarter was 12.4 million USD 23.
Segments
Commercial lending
The primary lending focus is commercial and middle-market businesses and not-for-profit organisations, with products including owner-occupied and investment commercial real estate loans, business term loans, equipment financing and construction loans 1. Commercial real estate loans make up the largest share of the portfolio, and commercial business loans have grown in recent years 12.
Trends
- Lower deposit coststailwind
The total cost of deposits fell in the second quarter of 2026, and if the repricing trend continues, the margin could keep expanding 3. The effect depends on how market rates evolve.
- Interest rate volatilityheadwind
Changes in rates can affect the net interest margin, and a rapid rise in funding costs could reduce net interest income 1. The risk is significant if rates move unpredictably for an extended period.
- Loan growth and asset qualitymixed
Gross loans grew in 2026 and new loans carry higher yields than those running off 3. However, rapid growth can put pressure on portfolio quality as loans season 1.
- Pressure on staff and infrastructure costsheadwind
The company plans targeted investments in talent and infrastructure, which could raise operating expenses even though efficiency remained strong in the second quarter 3. Higher spending may limit the benefit of the margin expansion.
Competitive position
Competition is strong and comes from larger commercial banks, savings banks, money market funds, mortgage brokers, finance companies, credit unions, insurance companies and investment firms 1. Many competitors have more assets, capital and resources than the bank 1.
Bankwell differentiates itself through personalised service, local decision-making and sector expertise, focusing on smaller and mid-sized clients that larger banks serve less closely 1. Deposit competition depends heavily on price, since clients can move funds easily between institutions 1.
- Regional commercial and savings banks
Commercial and savings banks with offices or headquarters near the company's market, with greater resources 1.
- Money market funds and finance companies
Non-bank alternatives for deposits and credit that compete in some parts of the business 1.
- Credit unions
Institutions competing for deposits and loans from small and mid-sized clients 1.
- Insurance companies and investment firms
Competitors outside banking for certain financial products used by clients 1.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
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News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Quarterly report04 Nov 2026
- Current report29 Oct 2026Results of operations · Regulation FD disclosure · Other events · Financial statements and exhibits
- Quarterly report05 Aug 2026
- Current report23 Jul 2026Results of operations · Regulation FD disclosure · Other events · Financial statements and exhibits
- Current report20 May 2026Shareholder vote
- Quarterly report06 May 2026
- Current report22 Apr 2026Results of operations · Regulation FD disclosure · Other events · Financial statements and exhibits
- Proxy statement07 Apr 2026
- Annual report04 Mar 2026
- Current report29 Jan 2026Results of operations · Regulation FD disclosure · Other events · Financial statements and exhibits
Sources
- [1] Form 10-K, fiscal year ended 2025-12-31 · SEC / Bankwell Financial Group, Inc. · 04 Mar 2026
- [2] Form 10-Q, quarter ended 2026-06-30 · SEC / Bankwell Financial Group, Inc. · 05 Aug 2026
- [3] Form 8-K, results release (exhibit 99.1) · SEC / Bankwell Financial Group, Inc. · 23 Jul 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.