Bankwell Financial Group, Inc. (BWFG) vs Greene County Bancorp, Inc. (GCBC)

Bankwell Financial Group, Inc. and Greene County Bancorp, Inc. are both Banks Regional companies. Bankwell Financial Group, Inc. and Greene County Bancorp, Inc. are of similar size ($612.9M and $559.9M). Bankwell Financial Group, Inc. trades at the lower P/E: 12.2× against 14.9×. Bankwell Financial Group, Inc. grew revenue faster over the last twelve months: 9.69% against 9.67%. Greene County Bancorp, Inc. has the higher net margin (28.1% vs 20.2%) and the higher return on invested capital (21.0% vs 14.1%). Both pay a dividend; Bankwell Financial Group, Inc. yields more (1.14% vs 1.14%). Across the 17 metrics below, Greene County Bancorp, Inc. leads on 9 and Bankwell Financial Group, Inc. on 8.

Valuation

Metric BWFG GCBC Banks Regional median
P/E 12.23 14.86 12.02
P/S 2.48 4.18 2.36
P/B 1.65 2.19 1.23
Price to free cash flow 14.97 14.67 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.17% 6.73% 8.21%
Free cash flow yield 6.68% 6.82% 9.23%

Profitability

Metric BWFG GCBC Banks Regional median
Gross margin 57.91% 63.50% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.19% 28.14% 18.82%
Free cash flow margin 16.57% 28.50% 17.97%
Return on equity 14.31% 15.88% 10.28%
Return on assets 1.32% 1.32% 1.13%
Return on invested capital 14.09% 21.04% 8.45%

Growth

Metric BWFG GCBC Banks Regional median
Revenue growth (TTM) 9.69% 9.67% 6.37%
EPS growth (last fiscal year) 280.34% 31.69% 18.85%
Revenue growth, 5-year CAGR 20.91% 16.48% 12.65%
Net income growth, 5-year CAGR 43.03% 11.37% 9.81%

Health

Metric BWFG GCBC Banks Regional median
Debt to equity 0.58 0.02 0.17
Current ratio 0.00 0.65 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BWFG GCBC Banks Regional median
Dividend yield 1.14% 1.14% 2.49%
Payout ratio 0.14 0.17 0.29

Size

Metric BWFG GCBC Banks Regional median
Market cap 559.88m 612.92m 934.85m

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