All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
2 warning events since 2017; the latest 2018-03-16.
From the record
Bankwell Financial Group, Inc.'s filings since 2017 show 2 warning events of 2 kinds: an auditor change (8-K item 4.01, the latest 2017-04-13); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2018-03-16) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+14% a year over 10 filed years; profitable in 10 of 10.
From the record
Bankwell Financial Group, Inc.'s 10 filed years say what it did: revenue went from $61 million in fiscal 2016 to $198 million in fiscal 2025, up 14% a year; it rose in 8 of 9 years; the deepest fall was 7% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.8% a year. 25% of cash flow returned. Insiders: 17 sales, 102 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Bankwell Financial Group, Inc.'s diluted share count grew about 0.8% a year, and dividends and buybacks returned about 25% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 17 sales and 102 purchases of their own stock on the open market in the year to 2026-09-30, buying about $4 million (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 12%: 12¢ of profit per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Bankwell Financial Group, Inc. earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count grew 1.1% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 43% of 155 in its family; net margin 17.7%.
From the record
Bankwell Financial Group, Inc.'s standing among 155 graded names in its industry family: revenue of $198 million in fiscal 2025 ranks in the bottom 36% by size; a net margin of 17.7% ranks in the bottom 32%; revenue growth of 18.9% a year over the last 3 filed years ranks in the top 40% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 37% of 150 in its family for leadership; chief executive since 2015.
From the record
Bankwell Financial Group, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Gruseke, Christopher R (CEO, as filed), filing under that title since 2015-03-17, 11.7 years (top 27% of its family); the 15 officers and directors filing in the last fifteen months have been on the record a median of 6.3 years (bottom 35%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 15 people in charge now (top 18%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 48% of 142 in its family for room to expand.
From the record
Bankwell Financial Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $225 million against no long-term debt tagged leaves 6.7% of its assets as net cash, top 20% of its family; cash from operations less capital spending is 13.7% of revenue (bottom 17%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 37% of 152 in its family for growth drivers.
From the record
Bankwell Financial Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 18.9% a year over the last three filed years against 14% over all 10, speeding up (top 38% of its family); the newest year grew 3.3% (bottom 43%); capital spending grew -38.7% a year (bottom 5%) (its annual reports). Bankwell Financial Group, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 41% of 150 in its family for expectations against reality.
From the record
Bankwell Financial Group, Inc.'s newest year against its own record: revenue of $198 million in fiscal 2025 came in 19% below the $245 million its prior three years' pace pointed to (bottom 33% of its family); net income of $35 million against a prior three-year average of $28 million (top 27%); a net margin of 17.7% against 18.8% before (top 28%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made