Bankwell Financial Group, Inc. — Earnings Quality Grade C
BWFG · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 54 days, change -7 days YoY
AR growth 11.1% vs revenue growth 24.5%
Revenue grew 24.5% but CFFO declined -5.6%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth 86.6% is >2x revenue growth 24.5%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.80. Profits backed by cash
FCF $0.0B, FCF/NI = 0.77
Accruals ratio = 0.2%. Low accruals
Cash $0.2B covers debt $0.2B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 1% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor BWFG continuously
The full checks and model details are free to read. Use Watchlist to track your holdings; Pro adds automatic quarterly rescoring, risk-event email alerts, scans up to 50 tickers, and export workflows.
Altman Z-Score — Not Applicable
Bankwell Financial Group, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25