Bankwell Financial Group (BWFG) vs. BSB Bancorp (BLMT) Financial Analysis

Bankwell Financial Group (NASDAQ:BWFG) and BSB Bancorp (NASDAQ:BLMT) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, valuation, dividends, analyst recommendations and risk.


Bankwell Financial Group pays an annual dividend of $0.48 per share and has a dividend yield of 1.7%. BSB Bancorp does not pay a dividend. Bankwell Financial Group pays out 23.6% of its earnings in the form of a dividend. Bankwell Financial Group has increased its dividend for 3 consecutive years.


This table compares Bankwell Financial Group and BSB Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bankwell Financial Group 19.82% 10.88% 0.99%
BSB Bancorp 20.85% 12.26% 0.82%

Institutional & Insider Ownership

48.8% of Bankwell Financial Group shares are held by institutional investors. Comparatively, 47.0% of BSB Bancorp shares are held by institutional investors. 21.9% of Bankwell Financial Group shares are held by company insiders. Comparatively, 14.4% of BSB Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Bankwell Financial Group and BSB Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bankwell Financial Group 0 2 1 0 2.33
BSB Bancorp 0 0 0 0 N/A

Bankwell Financial Group currently has a consensus price target of $35.50, suggesting a potential upside of 22.92%. Given Bankwell Financial Group’s higher possible upside, equities analysts plainly believe Bankwell Financial Group is more favorable than BSB Bancorp.

Risk and Volatility

Bankwell Financial Group has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500. Comparatively, BSB Bancorp has a beta of 0.73, meaning that its share price is 27% less volatile than the S&P 500.

Valuation & Earnings

This table compares Bankwell Financial Group and BSB Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bankwell Financial Group $75.83 million 2.99 $13.83 million $2.03 14.23
BSB Bancorp $80.77 million 3.61 $14.38 million N/A N/A

BSB Bancorp has higher revenue and earnings than Bankwell Financial Group.


Bankwell Financial Group beats BSB Bancorp on 8 of the 15 factors compared between the two stocks.

Bankwell Financial Group Company Profile

Bankwell Financial Group, Inc. operates as the bank holding company for Bankwell Bank that provides a range of banking services to commercial and consumer customers in Connecticut. It accepts checking, savings, and money market accounts; and demand and NOW deposits, as well as certificates of deposit. The company also provides commercial lending products, including residential real estate loans, owner-occupied commercial real estate loans, commercial real estate investment loans, business term loans, equipment financing, and lines of credit to small and mid-sized businesses, as well as real estate construction and development loans; and consumer loans, such as loans secured by savings or certificate accounts, or automobiles, as well as unsecured personal loans and overdraft lines of credit. It operates through a network of nine branches. The company was formerly known as BNC Financial Group, Inc. and changed its name to Bankwell Financial Group, Inc. in September 2013. Bankwell Financial Group, Inc. was founded in 2002 and is headquartered in New Canaan, Connecticut.

BSB Bancorp Company Profile

BSB Bancorp, Inc. operates as the holding company for Belmont Savings Bank that provides commercial and retail banking services to small businesses, municipalities, nonprofit organizations, and other customers in the United States. Its deposit products include relationship checking accounts for consumers and businesses, passbook and statement savings accounts, certificates of deposit, money market accounts, interest on lawyer trust accounts, and individual retirement accounts, as well as commercial, municipal, and regular checking accounts. The company's loan portfolio comprises one to four family residential mortgage loans, commercial real estate loans, multi-family real estate loans, home equity lines of credit, indirect automobile loans, commercial business loans, construction loans and investment securities, other consumer loans, and second mortgage loans. BSB Bancorp, Inc. also offers lockbox, online and mobile banking, global payments, and cash management services. It operates through six full-service branch offices located in Belmont, Watertown, Waltham, Newton, and Cambridge in Southeast Middlesex County, Massachusetts. The company was incorporated in 2011 and is headquartered in Belmont, Massachusetts.

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