What is the 13F Pro Quality Score for BWFG?

13F Pro ranks Bankwell Financial Group, Inc. (BWFG) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BWFG's current score at https://13fpro.ai/company/BWFG (free sign-up required for the full ranking).

Where does 13F Pro source BWFG data?

All Bankwell Financial Group, Inc. fundamentals and ownership data come directly from SEC EDGAR. Bankwell Financial Group, Inc. files with the SEC under CIK 1505732. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BWFG in?

Bankwell Financial Group, Inc. (BWFG) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives BWFG's revenue?

Per Bankwell Financial Group, Inc.'s latest 10-Q filed with the SEC on 2026-08-05, the biggest revenue drivers are: Net interest income ($29.5M, +23% YoY); Noninterest income ($3.3M, +63% YoY); Gains and fees from sales of loans ($2.4M, +122% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/BWFG.

What are BWFG's largest expenses?

Bankwell Financial Group, Inc.'s latest 10-Q reports these as the largest expense items: Total noninterest expense ($15.3M, +4.9% YoY); Salaries and employee benefits ($8.7M, +15.4% YoY); Provision for credit losses ($1.2M). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is BWFG research updated on 13F Pro?

BWFG's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Bankwell Financial Group, Inc.(BWFG)Stock Analysis

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Financials →Nasdaqsmall

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SEC EDGAR: CIK 1505732 BWFG stock profile & AI dashboard →

13F Pro Quality Score

57.6/100

Rank #1,085 of 2,961 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

70.3/100

Profitability

95.4/100

Balance Sheet

46.7/100

Earnings Quality

25.5/100

Free Cash Flow

82.2/100

Institutional Flow

60.5/100

Revenue Scale

18.4/100

Dilution Risk

3.6/100

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Why BWFG Scores 58/100

exact factor attribution · 2026-09-11

BWFG's composite is driven by profitability and revenue growth, held back by scale and shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+9.1 pts

95th pct

Revenue growth

+5.4 pts

70th pct

Free cash flow

+4.8 pts

82th pct

Earnings growth

+2.2 pts

83th pct

Institutional flow

+0.7 pts

61th pct

Capital efficiency

-0.4 pts

47th pct

Earnings quality

-2.5 pts

26th pct

Shareholder dilution

-3.1 pts

4th pct

Scale

-6.3 pts

18th pct

Latest change (2026-08-05): 66 → 64 · ↓ Revenue growth 92→75; despite ↑ Earnings growth 53→68

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

Unusual Activity in BWFG

Events flagged as statistical outliers against BWFG's own multi-year baseline — not fixed dollar thresholds.

Insider cluster2026-09-08
5 insiders bought $602,746 of BWFG in 30 days — 2.6σ above this company's 2-year norm
View source filing →
Record insider buy2026-08-07
Largest insider buy on record for BWFG: SEIDMAN LAWRENCE B (Director) purchased $262,083
View source filing →

BWFG Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Bankwell Financial Group, Inc. (BWFG), a Financials sector company. 13F Pro's AI-powered ranking engine scores BWFG at 57.6/100 on a 32-signal composite quality model, placing it at rank #1,085 of 2,961 stocks — the top half of the AI-ranked universe. BWFG scores in the top quartile across profitability (95.4), free cash flow (82.2). Areas of concern include revenue scale (18.4) and earnings quality (25.5), which score below median versus the broader universe. Shareholder dilution risk is elevated at 3.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Bankwell Financial Group, Inc. reports quarterly revenue of $32.8M, net income of $12.4M, an operating margin of 49.7%. Top institutional holders of BWFG by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. BWFG trades on the Nasdaq exchange and files with the SEC under CIK 1505732. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BWFG daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Bankwell Financial Group, Inc. directly from SEC EDGAR. Bankwell Financial Group, Inc.'s 13F Pro composite quality score has ranged between 52 and 65 since 2022, currently 57.6 — an improving long-term trajectory across 62 quarterly and live scoring snapshots.

✦

Fun facts about Bankwell Financial Group, Inc.

Quirks, history, and lore behind BWFG — the kind of stuff that makes a stock memorable.

1
The Basics
A community bank holding company · small-cap · listed on Nasdaq · headquartered in Connecticut.
2
The Numbers
Total assets in the range of $2 billion — small enough to know its customers by name, big enough to make noise in commercial real estate lending.
3
The History
Founded in the early 2000s in Fairfield County, Connecticut — one of the wealthiest corridors in America — and grew by courting small and mid-sized businesses that bigger banks ignored.
4
The Secret
Its bread and butter is commercial loans and business banking, not the flashy consumer products that dominate bank advertising — no splashy rewards card, just old-fashioned lending.
5
The Lore
Operating across Connecticut and New York, it punches above its weight in a market dominated by giants, surviving by staying hyper-local and relationship-driven.
6
The Giveaway
Its ticker is a mash-up of "BW" — short for its name — and its home state of Connecticut is anything but a fluke: this is Bankwell, New Canaan's community banking stalwart.

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What's Driving BWFG's Business? Latest 10-Q Breakdown

✓ 16/16 datapoints verified

AI-extracted from Bankwell Financial Group, Inc.'s 10-Q filed 2026-08-05 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income rose 36% YoY to $12.4M as net interest margin expanded to 3.58% from 3.10%, even as provision for credit losses swung to a $1.2M expense from a $0.4M credit a year earlier.

Biggest Revenue Drivers

Net interest income$29.5M+23% YoY

Increase attributable to a decrease in interest expense on deposits and higher interest income from higher average loan balances

Noninterest income$3.3M+63% YoY

Increase driven by higher gains from SBA loan sales

Biggest Revenue Drivers

Total revenue: $32.8M+26% YoY

Net interest income$29.5M+23% YoY

Increase attributable to a decrease in interest expense on deposits and higher interest income from higher average loan balances

Noninterest income$3.3M+63% YoY

Increase driven by higher gains from SBA loan sales

Within Noninterest income

Gains and fees from sales of loans$2.4M+122% YoY

Higher gains from SBA loan sales

Largest Expense Items

Total noninterest expense$15.3M+4.9% YoY

Increase primarily driven by higher salaries and employee benefits

Salaries and employee benefits$8.7M+15.4% YoY

Incremental new hires in support of strategic initiatives

Provision for credit losses$1.2M

Swung from a $0.4M credit in Q2 2025 to a $1.2M provision, based on management's periodic assessment of ACL adequacy

Margins: Net interest margin expanded to 3.58% from 3.10% YoY, reflecting a decrease in deposit rates and improved deposit mix alongside higher loan yields; interest rate spread widened to 2.74% from 2.27%.

Watch Items from the Filing

Provision for credit losses swung from a $0.4M credit in Q2 2025 to a $1.2M provision in Q2 2026.
Nonaccrual loans totaled $15.9M (0.54% of total loans), including $13.9M concentrated in commercial real estate.
Residential care (skilled nursing/assisted living) properties represent 40.5% ($806.3M) of the $1.99B commercial real estate loan portfolio.
Brokered CDs ($453.0M) and national listing service CDs ($26.8M) remain a significant wholesale funding source alongside $1.12B in total time deposits.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$32.8M

Net Income

Q2 2026

$12.4M

Free Cash Flow

Q2 2026

$10.0M

Operating Margin

Q2 2026

49.7%

ROIC

Q2 2026

20.2%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+5418.2% YoY

$108.3MFY 2025

FY22 $97.8MFY23 $99.3MFY24 $2.0MFY25 $108.3M

Net Income

+260.3% YoY

$35.2MFY 2025

FY22 $37.4MFY23 $36.7MFY24 $9.8MFY25 $35.2M

EPS (Diluted)

+261.8% YoY

$4.45FY 2025

FY22 $4.79FY23 $4.67FY24 $1.23FY25 $4.45

Total Assets

+2.8% YoY

$3.36BFY 2025

FY22 $3.25BFY23 $3.22BFY24 $3.27BFY25 $3.36B

Op. Cash Flow

-5.6% YoY

$28.3MFY 2025

FY22 $82.7MFY23 $31.9MFY24 $29.9MFY25 $28.3M

Free Cash Flow

-7.5% YoY

$27.1MFY 2025

FY22 $77.7MFY23 $29.9MFY24 $29.3MFY25 $27.1M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$108.3M +5418.2%	$2.0M -98.0%	$99.3M +1.6%	$97.8M +33.0%	$73.5M +9232.9%	$788.0K
Net Income	$35.2M +260.3%	$9.8M -73.4%	$36.7M -2.0%	$37.4M +40.8%	$26.6M +350.3%	$5.9M
EPS (Diluted)	$4.45 +261.8%	$1.23 -73.7%	$4.67 -2.5%	$4.79 +42.6%	$3.36 +348.0%	$0.75
Total Assets	$3.36B +2.8%	$3.27B +1.6%	$3.22B -1.1%	$3.25B +32.4%	$2.46B +9.0%	$2.25B
Operating Cash Flow	$28.3M -5.6%	$29.9M -6.2%	$31.9M -61.4%	$82.7M +139.2%	$34.6M +2385.6%	$-1.5M
Free Cash Flow	$27.1M -7.5%	$29.3M -1.9%	$29.9M -61.5%	$77.7M	—	—

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Available Research

13F Pro tracks comprehensive data for Bankwell Financial Group, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BWFG

BlackRock, Inc.
$29.0M493,180 sh
DIMENSIONAL FUND ADVISORS LP
$19.4M329,747 sh
VANGUARD CAPITAL MANAGEMENT LLC
$16.3M277,398 sh
ACADIAN ASSET MANAGEMENT LLC
$13.7M232,761 sh
GEODE CAPITAL MANAGEMENT, LLC
$9.8M167,476 sh
Pacific Ridge Capital Partners, LLC
$9.8M166,709 sh
AMERICAN CENTURY COMPANIES INC
$9.3M158,198 sh
STATE STREET CORP
$8.6M146,182 sh
TWO SIGMA INVESTMENTS, LP
$7.0M118,419 sh
Siena Capital Partners GP, LLC
$6.8M116,138 sh

Fund	Value	Shares
BlackRock, Inc.	$29.0M	493,180
DIMENSIONAL FUND ADVISORS LP	$19.4M	329,747
VANGUARD CAPITAL MANAGEMENT LLC	$16.3M	277,398
ACADIAN ASSET MANAGEMENT LLC	$13.7M	232,761
GEODE CAPITAL MANAGEMENT, LLC	$9.8M	167,476
Pacific Ridge Capital Partners, LLC	$9.8M	166,709
AMERICAN CENTURY COMPANIES INC	$9.3M	158,198
STATE STREET CORP	$8.6M	146,182
TWO SIGMA INVESTMENTS, LP	$7.0M	118,419
Siena Capital Partners GP, LLC	$6.8M	116,138

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Is BWFG a good stock to buy?

13F Pro's AI-powered analysis of Bankwell Financial Group, Inc. (BWFG) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BWFG are available on the BWFG stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. BWFG is classified as a small company.

Which hedge funds own BWFG?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BWFG. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Bankwell Financial Group, Inc.'s investment landscape.