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Bankwell Financial Group (BWFG)
NASDAQ:BWFG
US Market
BWFG
Bankwell Financial Group
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Bankwell Financial Group (BWFG) Ratios

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Bankwell Financial Group Ratios

BWFG's free cash flow for Q4 2025 was $0.55. For the 2025 fiscal year, BWFG's free cash flow was decreased by $ and operating cash flow was $0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 51.00 1.89 0.12 0.11 0.16
Quick Ratio
 51.00 1.89 0.12 0.11 0.16
Cash Ratio
 3.48 0.14 0.11 0.10 0.12
Solvency Ratio
 0.01 0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
 0.47 0.02 0.01 0.01 0.03
Short-Term Operating Cash Flow Coverage
 0.47 0.26 0.00 0.00 0.00
Net Current Asset Value
$ -2.13M$ -10.62M$ -2.66B$ -2.66B$ -2.55B
Leverage Ratios
Debt-to-Assets Ratio
 0.04 0.05 0.05 0.05 0.05
Debt-to-Equity Ratio
 0.42 0.60 0.59 0.60 0.67
Debt-to-Capital Ratio
 0.29 0.37 0.37 0.37 0.40
Long-Term Debt-to-Capital Ratio
 0.18 0.19 0.37 0.37 0.40
Financial Leverage Ratio
 10.82 11.14 12.08 12.10 13.64
Debt Service Coverage Ratio
 0.27 0.19 0.12 0.43 1.76
Interest Coverage Ratio
 0.56 0.49 0.12 0.51 2.07
Debt to Market Cap
 0.32 0.51 0.66 0.70 0.71
Interest Debt Per Share
 29.31 36.01 34.78 33.37 24.09
Net Debt to EBITDA
 -1.39 -0.86 -7.84 -2.10 -3.62
Profitability Margins
Gross Profit Margin
54.60%51.65%32.90%50.93%76.33%
EBIT Margin
25.44%23.35%6.81%24.85%39.66%
EBITDA Margin
26.91%25.31%8.74%26.73%42.44%
Operating Profit Margin
25.44%23.35%6.81%24.85%39.66%
Pretax Profit Margin
25.44%23.35%6.81%24.85%39.66%
Net Profit Margin
18.69%16.95%4.99%18.97%30.94%
Continuous Operations Profit Margin
18.69%16.95%4.99%18.97%30.94%
Net Income Per EBT
73.45%72.58%73.30%76.31%78.00%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.17%1.05%0.30%1.14%1.15%
Return on Equity (ROE)
13.31%11.67%3.61%13.80%15.70%
Return on Capital Employed (ROCE)
1.63%2.77%2.77%10.04%12.07%
Return on Invested Capital (ROIC)
1.28%1.89%2.03%7.66%9.42%
Return on Tangible Assets
1.17%1.05%0.30%1.14%1.15%
Earnings Yield
10.14%9.91%4.07%16.01%16.82%
Efficiency Ratios
Receivables Turnover
 0.07 0.07 13.46 13.01 9.26
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 10.11 9.62 8.20 7.15 4.45
Asset Turnover
 0.06 0.06 0.06 0.06 0.04
Working Capital Turnover Ratio
 0.10 -0.41 -0.08 -0.08 -0.06
Cash Conversion Cycle
 4.91K 4.96K 27.11 28.07 39.43
Days of Sales Outstanding
 4.91K 4.96K 27.11 28.07 39.43
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 4.91K 4.96K 27.11 28.07 39.43
Cash Flow Ratios
Operating Cash Flow Per Share
 3.66 3.65 3.88 4.21 10.93
Free Cash Flow Per Share
 3.51 3.50 3.80 3.94 10.28
CapEx Per Share
 0.15 0.15 0.08 0.27 0.66
Free Cash Flow to Operating Cash Flow
 0.96 0.96 0.98 0.94 0.94
Dividend Paid and CapEx Coverage Ratio
 3.82 3.82 4.34 3.85 7.42
Capital Expenditure Coverage Ratio
 24.71 24.71 48.84 15.61 16.67
Operating Cash Flow Coverage Ratio
 0.22 0.16 0.19 0.20 0.52
Operating Cash Flow to Sales Ratio
 0.13 0.14 0.15 0.17 0.68
Free Cash Flow Yield
6.73%7.64%12.21%13.05%34.91%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.88 10.09 24.58 6.25 5.95
Price-to-Sales (P/S) Ratio
 1.91 1.71 1.23 1.18 1.84
Price-to-Book (P/B) Ratio
 1.25 1.18 0.89 0.86 0.93
Price-to-Free Cash Flow (P/FCF) Ratio
 14.88 13.09 8.19 7.66 2.86
Price-to-Operating Cash Flow Ratio
 13.83 12.56 8.02 7.17 2.69
Price-to-Earnings Growth (PEG) Ratio
 0.05 0.04 -0.33 -2.33 0.14
Price-to-Fair Value
 1.25 1.18 0.89 0.86 0.93
Enterprise Value Multiple
 5.69 5.89 6.20 2.34 0.71
Enterprise Value
 323.74M 309.89M 106.07M 120.69M 36.61M
EV to EBITDA
 5.68 5.89 6.20 2.34 0.71
EV to Sales
 1.53 1.49 0.54 0.62 0.30
EV to Free Cash Flow
 11.93 11.42 3.62 4.04 0.47
EV to Operating Cash Flow
 11.45 10.96 3.54 3.78 0.44
Tangible Book Value Per Share
 40.04 38.57 34.75 34.68 31.19
Shareholders’ Equity Per Share
 40.37 38.90 35.09 35.02 31.53
Tax and Other Ratios
Effective Tax Rate
 0.27 0.27 0.27 0.24 0.22
Revenue Per Share
 27.42 26.80 25.38 25.47 16.00
Net Income Per Share
 5.12 4.54 1.27 4.83 4.95
Tax Burden
 0.73 0.73 0.73 0.76 0.78
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.19 0.17 0.15 0.16 0.21
Stock-Based Compensation to Revenue
 0.01 0.01 0.02 0.02 0.02
Income Quality
 0.80 0.80 3.06 0.87 2.21
Currency in USD