Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Bankwell Financial Group, Inc.'s quarterly P/E stands at 10.0x, down 52.7% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.71 | 9.96 | 8.71 | 7.83 | 8.67 | 21.05 | 31.20 | 45.30 | 13.51 | 6.92 | 4.85 | 5.98 | 4.67 |
| — | -52.7% | -72.1% | -82.7% | -35.8% | +204.1% | +542.7% | +658.2% | +189.1% | -2.2% | -21.3% | +19.3% | -42.5% | |
| P/S Ratio | 2.00 | 1.67 | 1.63 | 1.39 | 1.17 | 1.23 | 1.17 | 1.02 | 1.01 | 1.14 | 0.94 | 0.97 | 1.03 |
| — | +35.2% | +39.5% | +36.4% | +15.3% | +7.9% | +24.1% | +5.1% | -1.9% | -17.6% | -48.7% | -55.0% | -63.2% | |
| P/B Ratio | 1.35 | 1.19 | 1.19 | 0.99 | 0.85 | 0.89 | 0.86 | 0.74 | 0.74 | 0.87 | 0.72 | 0.74 | 0.78 |
| — | +34.2% | +37.4% | +34.7% | +14.1% | +2.4% | +20.1% | -1.2% | -4.8% | -6.9% | -24.9% | -29.0% | -37.1% | |
| P/FCF | 15.90 | — | 8.74 | 11.52 | 15.26 | 4.22 | — | 7.25 | 5.57 | — | 3.69 | 3.97 | 7.39 |
| — | — | — | +59.0% | +173.8% | — | — | +82.7% | -24.6% | — | +18.4% | +45.3% | +139.7% | |
| EV / EBITDA | 7.04 | 5.14 | 3.48 | 2.17 | 1.29 | 5.30 | 7.87 | 12.64 | 4.72 | 2.47 | 1.59 | 3.10 | 1.71 |
| — | -2.9% | -55.8% | -82.8% | -72.8% | +114.5% | +395.2% | +308.3% | +176.4% | +209.8% | -52.9% | -10.7% | +16.0% | |
| EV / EBIT | 7.63 | 5.53 | 3.75 | 2.36 | 1.43 | 6.56 | 10.58 | 20.63 | 5.59 | 2.67 | 1.70 | 3.37 | 1.82 |
| — | -15.8% | -64.6% | -88.6% | -74.5% | +145.7% | +522.1% | +512.3% | +207.4% | +209.2% | -53.1% | -7.8% | +15.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Bankwell Financial Group, Inc.'s operating margin was 26.4% in Q4 2025, up 1.0 pp QoQ and up 18.0 pp YoY. This marks the 7th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 23.3% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 60.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 51.6% | 55.0% | 53.0% | 52.0% | 46.2% | 34.2% | 31.6% | 28.4% | 37.4% | 48.2% | 51.1% | 47.6% | 57.3% |
| — | +60.8% | +67.7% | +83.4% | +23.8% | -28.9% | -38.2% | -40.4% | -34.8% | -16.2% | -32.1% | -50.4% | -34.2% | |
| Operating Margin | 23.3% | 26.4% | 25.4% | 23.3% | 17.9% | 8.3% | 5.5% | 3.0% | 10.3% | 22.7% | 26.2% | 21.2% | 29.6% |
| — | +216.9% | +362.0% | +665.1% | +73.7% | -63.3% | -79.0% | -85.6% | -65.1% | -14.0% | -32.0% | -62.3% | -33.3% | |
| Net Margin | 16.9% | 16.9% | 19.0% | 17.9% | 13.8% | 6.1% | 3.9% | 2.3% | 7.6% | 16.9% | 19.9% | 16.7% | 22.7% |
| — | +179.0% | +386.4% | +676.0% | +80.2% | -64.0% | -80.4% | -86.1% | -66.2% | -15.6% | -34.6% | -61.9% | -35.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 12.3% | 3.1% | 3.5% | 3.3% | 2.5% | 1.1% | 0.7% | 0.4% | 1.4% | 3.3% | 3.9% | 3.3% | 4.3% |
| — | +179.6% | +385.9% | +678.8% | +79.0% | -66.2% | -81.3% | -87.1% | -67.3% | -4.6% | -3.9% | -41.1% | +8.4% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.2% | 0.1% | 0.1% | 0.0% | 0.1% | 0.3% | 0.3% | 0.2% | 0.3% |
| — | +200.3% | +409.0% | +697.5% | +80.8% | -65.0% | -79.7% | -85.5% | -63.0% | -1.8% | -15.5% | -49.7% | -3.8% | |
| ROIC | 8.0% | 2.3% | 2.3% | 2.2% | 1.7% | 0.7% | 0.5% | 0.3% | 0.9% | 2.0% | 2.3% | 1.9% | 2.5% |
| — | +227.1% | +390.3% | +741.9% | +84.6% | -65.2% | -79.6% | -86.3% | -64.8% | +1.3% | +1.5% | -46.4% | -4.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Bankwell Financial Group, Inc.'s Debt/EBITDA ratio is 11.7x, up from 10.0x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 1451.3% YoY to 1.89x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.60 | 0.60 | 0.49 | 0.51 | 0.40 | 0.59 | 0.59 | 0.60 | 0.59 | 0.60 | 0.62 | 0.64 | 0.66 |
| — | +1.1% | -17.0% | -14.5% | -33.0% | -1.6% | -3.6% | -6.7% | -9.5% | -10.1% | -10.1% | +3.3% | +63.3% | |
| Debt / EBITDA | 3.42 | 11.74 | 9.96 | 11.28 | 11.02 | 31.69 | 43.72 | 66.25 | 26.45 | 12.83 | 11.57 | 14.37 | 11.02 |
| — | -63.0% | -77.2% | -83.0% | -58.3% | +147.1% | +277.8% | +360.9% | +140.1% | -7.3% | -9.1% | +68.2% | +44.3% | |
| Current Ratio | 1.89 | 1.89 | 0.12 | 0.13 | 0.12 | 0.12 | 0.15 | 0.13 | 0.14 | 0.11 | 0.13 | 0.11 | 0.13 |
| — | +1451.3% | -18.7% | +0.4% | -13.2% | +14.2% | +11.0% | +18.5% | +7.0% | -34.0% | -1.5% | -7.3% | -26.7% | |
| Quick Ratio | 1.89 | 1.89 | 0.12 | 0.13 | 0.12 | 0.12 | 0.15 | 0.13 | 0.14 | 0.11 | 0.13 | 0.11 | 0.13 |
| — | +1451.3% | -18.7% | +0.4% | -13.2% | +14.2% | +11.0% | +18.5% | +7.0% | -34.0% | -1.5% | -7.3% | -26.7% | |
| Interest Coverage | 0.49 | 0.60 | 0.55 | 0.48 | 0.34 | 0.15 | 0.10 | 0.06 | 0.19 | 0.42 | 0.50 | 0.45 | 0.72 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Bankwell Financial Group, Inc.'s current P/E is 11.7x. The average P/E over the last 4 quarters is 8.8x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Bankwell Financial Group, Inc.'s current operating margin is 23.3%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Bankwell Financial Group, Inc.'s business trajectory between earnings reports.