Demonstrações financeiras detalhadas de Bankwell Financial Group, Inc. (BWFG): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Bankwell Financial Group, Inc. registou receitas de $207.7M no último exercício, com um CAGR de 5 anos de 20.9%. O lucro líquido atingiu $35.2M, com CAGR de 5 anos de 42.9%.
Margens dos últimos 12 meses: margem bruta 55.8%, margem operacional 27.0%, margem líquida 19.8%. O fluxo de caixa livre cresceu a CAGR de 71.6% em 5 anos.
Ao preço atual de $66.69, BWFG negocia a um P/L de 12.64 e um ROE de 13.95%. A capitalização de mercado é de $532M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $63.7M | $75.8M | $84.0M | $88.2M | $80.4M | $87.0M | $121.0M | $193.3M | $195.7M | $207.7M |
| Custo da Receita | $15.8M | $18.2M | $27.2M | $29.6M | $30.3M | $13.4M | $28.6M | $94.9M | $131.3M | $100.4M |
| Lucro Bruto | $47.9M | $57.7M | $56.8M | $58.6M | $50.1M | $73.6M | $92.3M | $98.4M | $64.4M | $107.3M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $18.1M | $19.5M | $22.4M | $21.3M | $24.0M | $21.3M | $25.6M | $31.2M | $29.4M | $34.9M |
| Despesas Operacionais | $29.5M | $32.5M | $35.6M | $35.6M | $42.8M | $39.7M | $44.4M | $50.4M | $51.1M | $58.8M |
| Lucro Operacional | $18.3M | $25.1M | $21.2M | $22.9M | $7.3M | $33.9M | $48.0M | $48.0M | $13.3M | $48.5M |
| EBITDA | $20.0M | $26.6M | $22.9M | $26.3M | $10.6M | $37.4M | $51.3M | $51.7M | $17.1M | $52.6M |
| Despesas com Juros | $11.9M | $16.8M | $23.7M | $29.2M | $22.7M | $13.5M | $23.2M | $94.0M | $108.7M | $99.4M |
| Lucro Antes de Impostos | $18.3M | $25.1M | $21.2M | $22.9M | $7.3M | $33.9M | $48.0M | $48.0M | $13.3M | $48.5M |
| Imposto | $6.0M | $11.3M | $3.7M | $4.7M | $1.4M | $7.3M | $10.6M | $11.4M | $3.6M | $13.3M |
| Lucro Líquido | $12.3M | $13.8M | $17.4M | $18.2M | $5.9M | $26.6M | $37.4M | $36.7M | $9.8M | $35.2M |
| LPA | $1.64 | $1.80 | $2.23 | $2.32 | $0.75 | $3.38 | $4.84 | $4.71 | $1.24 | $4.49 |
| LPA Diluído | $1.62 | $1.78 | $2.21 | $2.31 | $0.75 | $3.36 | $4.79 | $4.67 | $1.23 | $4.45 |
| Ações em Circulação (Diluídas) | $7.5M | $7.7M | $7.8M | $7.8M | $7.7M | $7.8M | $7.6M | $7.6M | $7.7M | $7.8M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $96.0M | $70.5M | $75.4M | $78.1M | $405.3M | $291.6M | $344.9M | $267.5M | $293.6M | $224.9M |
| Investimentos de Curto Prazo | $87.8M | $92.2M | $93.2M | $82.4M | $88.6M | $90.2M | $103.7M | $9.8M | $31.7M | $2.2M |
| Contas a Receber | $5.0M | $5.9M | $6.4M | $6.0M | $6.6M | $7.5M | $13.1M | $14.9M | $14.5M | $2.82B |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $188.7M | $168.6M | $174.9M | $166.4M | $500.5M | $389.3M | $461.7M | $292.2M | $339.8M | $3.05B |
| Imobilizado | $17.8M | $18.2M | $19.8M | $28.5M | $21.8M | $25.6M | $27.2M | $27.0M | $23.9M | $21.6M |
| Ágio | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M | $2.6M |
| Ativos Intangíveis | $501000 | $382000 | $290000 | $214000 | $76000 | 0 | 0 | 0 | 0 | 0 |
| Ativos Totais | $1.63B | $1.80B | $1.87B | $1.88B | $2.25B | $2.46B | $3.25B | $3.22B | $3.27B | $3.36B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | $110.0M |
| Passivos Circulantes | $1.30B | $1.41B | $1.51B | $1.52B | $1.88B | $2.17B | $2.86B | $2.74B | $2.79B | $1.61B |
| Dívida de Longo Prazo | $185.1M | $224.1M | $185.2M | $175.2M | $200.3M | $84.4M | $159.0M | $159.2M | $159.5M | $69.7M |
| Passivos Totais | $1.48B | $1.64B | $1.70B | $1.70B | $2.08B | $2.25B | $3.01B | $2.95B | $3.00B | $3.06B |
| Reservas | $29.7M | $41.3M | $54.7M | $69.3M | $70.8M | $92.4M | $123.6M | $149.2M | $152.7M | $181.6M |
| Patrimônio Líquido | $145.9M | $161.0M | $174.2M | $182.4M | $176.6M | $202.0M | $238.5M | $265.8M | $270.5M | $301.5M |
| Dívida Total | $185.1M | $224.1M | $185.2M | $175.2M | $200.3M | $84.4M | $159.0M | $159.2M | $159.5M | $179.7M |
| Dívida Líquida | $1.3M | $61.4M | $16.6M | $14.7M | -$293.7M | -$297.4M | -$289.6M | -$118.1M | -$165.8M | -$47.5M |
| Capital de Giro | -$1.11B | -$1.24B | -$1.34B | -$1.36B | -$1.38B | -$1.78B | -$2.39B | -$2.44B | -$2.45B | $1.44B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $12.3M | $13.8M | $17.4M | $18.2M | $5.9M | $26.6M | $37.4M | $36.7M | $9.8M | $35.2M |
| Depreciação e Amortização | $1.7M | $1.5M | $1.7M | $3.4M | $3.3M | $3.6M | $3.4M | $3.6M | $3.8M | $4.1M |
| Compensação em Ações | $1.2M | $917000 | $1.3M | $1.0M | $1.8M | $1.8M | $2.4M | $3.1M | $3.0M | $2.3M |
| Variação Capital de Giro | -$1.2M | $615000 | -$3.2M | -$13.6M | -$17.7M | $3.8M | $37.7M | -$9.2M | -$7.3M | -$6.6M |
| Fluxo de Caixa Operacional | $17.4M | $20.6M | $20.0M | $6.6M | -$1.5M | $34.6M | $82.7M | $31.9M | $29.9M | $28.3M |
| CapEx | -$8.4M | -$1.9M | -$3.4M | -$645000 | $3.3M | $4.3M | -$5.0M | -$2.0M | -$613000 | -$1.1M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | -$988000 | -$1.0M | -$5.1M | -$5.5M | 0 | -$2.1M | -$1.3M |
| Dividendos Pagos | -$1.7M | -$2.1M | -$3.8M | -$4.1M | -$4.4M | -$5.0M | -$6.2M | -$6.2M | -$6.3M | -$6.3M |
| Fluxo de Caixa Livre | $9.0M | $18.7M | $16.6M | $6.0M | $1.8M | $38.8M | $77.7M | $29.9M | $29.3M | $27.1M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +19.1% | +10.7% | +5.0% | -8.9% | +8.3% | +39.0% | +59.8% | +1.2% | +6.1% | |
| Crescimento Lucro Líquido (anual) | +12.0% | +26.1% | +4.5% | -67.6% | +350.3% | +40.8% | -2.0% | -73.4% | +260.3% | |
| Crescimento LPA (anual) | +9.8% | +23.9% | +4.0% | -67.7% | +350.7% | +43.2% | -2.7% | -73.7% | +262.1% | |
| Variação de Ações (anual) | +2.4% | +1.4% | +0.1% | -0.5% | +0.2% | -1.6% | +0.1% | +1.2% | +1.1% | |
| Crescimento FCF (anual) | +108.4% | -11.1% | -64.0% | -69.5% | +2026.8% | +100.2% | -61.5% | -1.9% | -7.5% | |
| Margem Bruta | 75.2% | 76.0% | 67.6% | 66.4% | 62.4% | 84.6% | 76.3% | 50.9% | 32.9% | 51.6% |
| Margem Operacional | 28.8% | 33.1% | 25.2% | 26.0% | 9.1% | 38.9% | 39.7% | 24.9% | 6.8% | 23.3% |
| Margem EBITDA | 31.5% | 35.1% | 27.3% | 29.8% | 13.2% | 43.0% | 42.4% | 26.7% | 8.7% | 25.3% |
| Margem Líquida | 19.4% | 18.2% | 20.8% | 20.7% | 7.3% | 30.5% | 30.9% | 19.0% | 5.0% | 16.9% |
| Margem FCF | 14.1% | 24.7% | 19.8% | 6.8% | 2.3% | 44.6% | 64.2% | 15.5% | 15.0% | 13.1% |
| Taxa Efetiva de Imposto | 32.6% | 45.0% | 17.6% | 20.6% | 19.1% | 21.5% | 22.0% | 23.7% | 26.7% | 27.4% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $1.20 | $2.44 | $2.14 | $0.77 | $0.24 | $5.00 | $10.17 | $3.91 | $3.79 | $3.47 |
| Dividendo por Ação | $0.22 | $0.28 | $0.48 | $0.52 | $0.57 | $0.65 | $0.81 | $0.82 | $0.81 | $0.80 |
| Ações em Circulação (Básicas) | $7.4M | $7.6M | $7.7M | $7.8M | $7.7M | $7.7M | $7.6M | $7.6M | $7.7M | $7.8M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 13.95% |
| Retorno sobre capital investido | 25.69% |
| Retorno sobre ativos | 1.23% |
| Margem bruta | 55.77% |
| Margem operacional | 26.96% |
| Margem líquida | 19.78% |
Saúde financeira
| Dívida / Patrimônio | 0.31 |
| Liquidez corrente | 1.04 |
| Piotroski F-Score | 7 |
| Altman Z-Score | 0.77 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 19.82 | 19.08 | 12.87 | 12.43 | 26.07 | 9.72 | 6.08 | 6.41 | 25.12 | 10.20 |
| P/VP | 1.65 | 1.61 | 1.27 | 1.23 | 0.86 | 1.25 | 0.93 | 0.86 | 0.89 | 1.18 |
| P/V | 3.78 | 3.43 | 2.64 | 2.54 | 1.88 | 2.91 | 1.84 | 1.18 | 1.23 | 1.71 |
| Margem Bruta | 75.2% | 76.0% | 67.6% | 66.4% | 62.4% | 84.6% | 76.3% | 50.9% | 32.9% | 51.6% |
| Margem Operacional | 28.8% | 33.1% | 25.2% | 26.0% | 9.1% | 38.9% | 39.7% | 24.9% | 6.8% | 23.3% |
| Margem Líquida | 19.4% | 18.2% | 20.8% | 20.7% | 7.3% | 30.5% | 30.9% | 19.0% | 5.0% | 16.9% |
Empresas relacionadas: FMAO · MSBI · MVBF · OBT · PBFS · PDLB · RBB
Explorar setor: Financial Services · Banks - Regional
Mais seções de BWFG: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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