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Bankwell Financial Group (BWFG)
NASDAQ:BWFG
Earnings Data
Report Date
Apr 29, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
1.23Last Year’s EPS
0.87Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlights meaningful progress across revenue, deposits, asset quality and capital while management provided constructive guidance for 2026. Positive operational momentum (NIM expansion, improved NPAs, stronger non-interest income driven by an operational SBA division, and higher tangible book value) outweighs a small number of headwinds (a one-time tax charge, asset yield compression, higher planned expenses, and some business volatility from prepayments and SBA seasonality).Company Guidance
Strong Quarterly and Operating Earnings
GAAP Q4 net income of $9.1 million ($1.15 per share). Excluding a one-time tax adjustment, operating income was $10.7 million ($1.36 per share). Operating ROAA was 1.29% versus reported 1.11%, and operating ROTCE was 14.32% versus reported 12.31%.
Improved Revenue Productivity
Pre-provision net revenue return on average assets was 180 basis points in the quarter, up 10 bps quarter-over-quarter and up 75 bps versus 2024. Net interest income was $26.9 million and net interest margin expanded to 3.40% (340 bps), up 6 bps sequentially.
Growing Non-Interest Income Driven by SBA
Non-interest income rose to $3.4 million, a 35% increase versus the linked quarter, driven by $2.2 million of SBA gains on sale. Non-interest income now represents 11.4% of total revenue versus 4.6% in 2024; full-year realized SBA gains were $5.1 million.
Deposit Mix and Funding Improvements
Average low-cost deposits increased $22 million (5%) sequentially and $86 million (21%) versus 2024. Exit deposit cost was 3.08% after pricing actions; deposit costs declined ~15 bps in the quarter (to ~3.15% per commentary).
Solid Loan Production and Net Loan Growth
Funded $240 million of new loans in Q4. Net loan growth for the quarter was $122 million and full-year net loan growth was $134 million, representing ~5% growth versus year-end 2024. Company-originated over $900 million of loans in the year and funded originations reported at $758 million.
Asset Quality Improvement
Nonperforming assets fell to 49 basis points of total assets (from 56 bps last quarter), driven by a $1.3 million OREO sale and a $400k SBA guarantee collection. Provision for credit losses was modest (~$600k); allowance for credit losses = 108 bps of loans and coverage of nonperforming loans increased to 188%.
Efficiency and Capital Strength
Efficiency ratio improved to 50.8% from 51.4% sequentially. Balance sheet remained well-capitalized: consolidated CET1 ~10.2% and bank total capital ratio ~12.9%. Tangible book value per share rose to $37.84, up ~11% versus 2024.
2026 Financial Guidance
Management provided forward guidance: loan growth 4%–5%; net interest income $111–$112 million; non-interest income $11–$12 million; total non-interest expense $64–$65 million, reflecting planned investments.
BWFG Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
BWFG Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jan 29, 2026 | $46.80 | $47.58 | +1.66% |
Oct 23, 2025 | $43.27 | $43.50 | +0.55% |
Jul 28, 2025 | $36.88 | $39.28 | +6.50% |
Apr 23, 2025 | $29.82 | $31.29 | +4.93% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Bankwell Financial Group (BWFG) report earnings?
Bankwell Financial Group (BWFG) is schdueled to report earning on Apr 29, 2026, TBA (Confirmed).
What is Bankwell Financial Group (BWFG) earnings time?
Bankwell Financial Group (BWFG) earnings time is at Apr 29, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is BWFG EPS forecast?
BWFG EPS forecast for the fiscal quarter 2026 (Q1) is 1.23.