Stock fact sheet · data as of
Bankwell Financial Group, Inc. (BWFG): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Value
Is BWFG undervalued?
BWFG has a margin of safety of 34%: the stock closed at 65.17 on 16 Oct 2026 against a GLS average fair value of 98.46. 5 of the 9 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
The 9 models disagree widely: DDM gives 11.77 while DCF gives 380.16. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files BWFG under Value: positive earnings at a P/E of 18 or less.
Nine valuation models for BWFG
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 380.16 | +483% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 71.70 | +10% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 102.14 | +57% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 28.85 | -56% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 16.11 | -75% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 129.41 | +99% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 84.86 | +30% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 11.77 | -82% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 61.14 | -6% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -1.33 | -102% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health BWFG scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 5.0 out of 10: a ten-year record that is consistent in some of the metrics the score tracks (revenue, earnings, margins, cash flow, returns on capital) and patchy in others.
Returns on capital are moderate - ROIC 7.3%, ROE 11.7%, ROA 1.0% - with debt at 0.60 times equity and a free-cash-flow yield of 6.6%.
The dividend yield is 1.23% with a payout ratio of 15% - a small yield that leaves most of the earnings in the business. Revenue comes mainly from Service Charges and Fees 100% (quarter Q4 FY2019).
Institutional ownership scores 7/10, insider activity 8/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 7.3% |
|---|---|---|---|
| GLS Moat | 5.0 / 10 | ROE | 11.7% |
| Debt / equity | 0.60 | ROA | 1.0% |
| Free-cash-flow yield | 6.6% | Payout ratio | 15% |
| Institutions | 7 / 10 | Insiders · Congress | 8 · 5 / 10 |
Wheel Score 39: No options
BWFG has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 53k shares a day on a market cap of $520M, with a beta of 0.57 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 7 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 34% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 8 / 15 | moat 5.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 7 / 20 | 53k shares/day, $520M cap, beta 0.57 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
Bankwell Financial Group, Inc. reports earnings on 22 Oct 2026 (before the open) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Bankwell Financial Group, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| HBCP Home Bancorp, Inc. | 65.87 | 90.49 | +27% | 80Prime | $518M |
| FFMR First Farmers Financial Corporation | 37.25 | 61.90 | +40% | 39No options | $517M |
| BSVN Bank7 Corp. | 55.49 | 109.57 | +49% | 39No options | $529M |
| BSRR Sierra Bancorp | 39.15 | 50.19 | +22% | 76Good | $508M |
| NPB Northpointe Bancshares, Inc. | 15.62 | 47.93 | +67% | 39No options | $540M |
| CWBC Community West Bancshares | 25.77 | 46.09 | +44% | 70Good | $543M |
| NRIM Northrim BanCorp, Inc. | 24.43 | 82.21 | +70% | 76Good | $543M |
| UNTY Unity Bancorp, Inc. | 54.53 | 73.48 | +26% | 69Good | $548M |
| OBT Orange County Bancorp, Inc. | 36.73 | 66.61 | +45% | 39No options | $492M |
| COFS ChoiceOne Financial Services, Inc. | 32.92 | 44.75 | +26% | 39No options | $492M |
| FMAO Farmers & Merchants Bancorp, Inc. | 35.12 | 33.94 | -3% | 63Fair | $484M |
| CIVB Civista Bancshares, Inc. | 26.85 | 37.06 | +28% | 71Good | $558M |
⚖ Compare BWFG with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BWFG
Is BWFG undervalued right now?
By the GLS models, yes: at 65.17 the stock is 34% below the average fair value of 98.46 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of BWFG and what does it mean?
BWFG has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BWFG?
98.46 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Bankwell Financial Group, Inc. report earnings next?
The next earnings report is due on 22 Oct 2026 (before the open), 6 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does BWFG have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BWFG, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.