Bankwell Financial Group (NASDAQ:BWFG) versus USCB Financial (NASDAQ:USCB) Head to Head Analysis

Bankwell Financial Group (NASDAQ:BWFGGet Rating) and USCB Financial (NASDAQ:USCBGet Rating) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, earnings, valuation, profitability, dividends, risk and analyst recommendations.

Profitability

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

Net Margins Return on Equity Return on Assets
Bankwell Financial Group 32.50% 14.83% 1.26%
USCB Financial 30.81% 60.47% 5.93%

Institutional & Insider Ownership

32.6% of Bankwell Financial Group shares are held by institutional investors. Comparatively, 72.9% of USCB Financial shares are held by institutional investors. 26.5% of Bankwell Financial Group shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares Bankwell Financial Group and USCB Financial’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bankwell Financial Group $87.03 million 3.17 $26.59 million $3.69 9.62
USCB Financial $67.42 million 4.03 $21.08 million ($3.93) -3.46

Bankwell Financial Group has higher revenue and earnings than USCB Financial. USCB Financial is trading at a lower price-to-earnings ratio than Bankwell Financial Group, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

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

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bankwell Financial Group 0 0 0 0 N/A
USCB Financial 0 1 2 0 2.67

USCB Financial has a consensus price target of $15.50, indicating a potential upside of 14.05%. Given USCB Financial’s higher possible upside, analysts clearly believe USCB Financial is more favorable than Bankwell Financial Group.

About Bankwell Financial Group (Get Rating)

Bankwell Financial Group, Inc. operates as the bank holding company for Bankwell Bank that provides various banking services for individual and commercial customers. It offers various traditional depository products, including checking, savings, money market, and certificates of deposit. The company also provides first mortgage loans secured by one-to-four family owner occupied residential properties for personal use; home equity loans and home equity lines of credit secured by owner occupied one-to-four family residential properties; loans secured by commercial real estate, multi-family dwellings, and investor-owned one-to-four family dwellings; commercial construction loans for commercial development projects, including apartment buildings and condominiums, as well as office buildings, retail, and other income producing properties; land loans; commercial business loans secured by assignments of corporate assets and personal guarantees of the business owners; loans secured by savings or certificate accounts and automobiles; and unsecured personal loans and overdraft lines of credit. It operates branches in New Canaan, Stamford, Fairfield, Wilton, Westport, Darien, Norwalk, and Hamden, Connecticut. 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.

About USCB Financial (Get Rating)

USCB Financial Holdings, Inc. operates as the bank holding company for U.S. Century Bank that provides various banking products and services to small-to-medium sized businesses. The company accepts checking, savings, money market, and time deposit accounts; and certificates of deposit. Its loan products include residential real estate loans; commercial real estate loans; commercial and industrial loans; foreign banks loans; and secured and unsecured consumer loans comprising personal loans, overdrafts, and deposit account collateralized loans. The company also offers treasury, commercial payments, cash management, and online banking services. USCB Financial Holdings, Inc. was founded in 2002 and is headquartered in Miami, Florida.

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