Bankwell Financial Group (FRA:33W) Cyclically Adjusted FCF per Share: €3.12 (As of Mar. 2026)

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FRA:33W Bankwell Financial Group Inc FRA:33W
60 GF Score
Price €53.00
GF Value €34.51
! 5 Warning Signs
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What is Bankwell Financial Group Cyclically Adjusted FCF per Share?

Bankwell Financial Group FRA:33W +3.92% 60 Cyclically Adjusted FCF per Share is €3.12 as of Mar. 2026. GuruFocus rates FRA:33W with a GF Score™ of 60/100 and a GF Value™ of €34.51. The stock has 5 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Bankwell Financial Group's adjusted free cash flow per share for the three months ended in Mar. 2026 was €0.804. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €3.12 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Bankwell Financial Group's average Cyclically Adjusted FCF Growth Rate was 7.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 8.70% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 20.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Bankwell Financial Group was 28.00% per year. The lowest was 1.10% per year. And the median was 18.50% per year.

As of today (2026-07-18), Bankwell Financial Group's current stock price is €53.00. Bankwell Financial Group's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was €3.12. Bankwell Financial Group's Cyclically Adjusted Price-to-FCF of today is 16.99.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bankwell Financial Group was 19.54. The lowest was 7.16. And the median was 12.95.


Bankwell Financial Group  (FRA:33W) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Bankwell Financial Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=53.00/3.12
=16.99

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Bankwell Financial Group was 19.54. The lowest was 7.16. And the median was 12.95.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Bankwell Financial Group Cyclically Adjusted FCF per Share Related Terms


Bankwell Financial Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Bankwell Financial Group's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bankwell Financial Group Cyclically Adjusted FCF per Share Chart

Bankwell Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.59 2.61 2.76 2.75 3.07

Bankwell Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.92 2.78 3.06 3.07 3.12

FRA:33W vs BSVN, FFMR, PDLB: Cyclically Adjusted FCF per Share Comparison

For the Banks - Regional subindustry, Bankwell Financial Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bankwell Financial Group Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Bankwell Financial Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Bankwell Financial Group's Cyclically Adjusted Price-to-FCF falls into.


FRA:33W
60GF Score
Bankwell Financial Group Inc FRA:33W
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Bankwell Financial Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bankwell Financial Group's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.804/330.2130*330.2130
=0.804

Current CPI (Mar. 2026) = 330.2130.

Bankwell Financial Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 0.359 241.018 0.492
201609 0.522 241.428 0.714
201612 -0.247 241.432 -0.338
201703 0.796 243.801 1.078
201706 0.297 244.955 0.400
201709 0.451 246.819 0.603
201712 0.605 246.524 0.810
201803 0.747 249.554 0.988
201806 -0.101 251.989 -0.132
201809 0.610 252.439 0.798
201812 0.551 251.233 0.724
201903 0.044 254.202 0.057
201906 -0.167 256.143 -0.215
201909 -0.288 256.759 -0.370
201912 1.104 256.974 1.419
202003 -1.964 258.115 -2.513
202006 0.455 257.797 0.583
202009 0.442 260.280 0.561
202012 0.741 260.474 0.939
202103 1.513 264.877 1.886
202106 0.017 271.696 0.021
202109 1.303 274.310 1.569
202112 0.506 278.802 0.599
202203 2.491 287.504 2.861
202206 2.691 296.311 2.999
202209 2.361 296.808 2.627
202212 2.130 296.797 2.370
202303 0.786 301.836 0.860
202306 1.418 305.109 1.535
202309 1.543 307.789 1.655
202312 -0.093 306.746 -0.100
202403 1.071 312.332 1.132
202406 0.813 314.175 0.855
202409 -0.078 315.301 -0.082
202412 1.757 315.605 1.838
202503 0.457 319.799 0.472
202506 0.675 322.561 0.691
202509 1.078 324.800 1.096
202512 0.793 324.054 0.808
202603 0.804 330.213 0.804

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €3.12 mean?
Bankwell Financial Group (FRA:33W) has a Cyclically Adjusted FCF per Share of €3.12 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Bankwell Financial Group and its competitors.
Is Bankwell Financial Group's Cyclically Adjusted FCF per Share too high?
Bankwell Financial Group's current Cyclically Adjusted FCF per Share is €3.12. Overall, Bankwell Financial Group has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Bankwell Financial Group's Cyclically Adjusted FCF per Share compare to BSVN and FFMR?
Bankwell Financial Group's Cyclically Adjusted FCF per Share of €3.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Bankwell Financial Group and its competitors. Bankwell Financial Group's current Cyclically Adjusted FCF per Share is €3.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bankwell Financial Group stock overvalued right now?
Bankwell Financial Group (FRA:33W) has a current Cyclically Adjusted FCF per Share of €3.12. The stock's GF Value™ is €34.51, compared to a current price of €53.00 — trading 53.6% above its estimated fair value. The current Cyclically Adjusted FCF per Share is €3.12. Bankwell Financial Group's overall GF Score™ is 60/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Bankwell Financial Group (FRA:33W), the current Cyclically Adjusted FCF per Share is €3.12 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bankwell Financial Group (FRA:33W) Overvalued in 2026?

Based on GuruFocus' analysis, Bankwell Financial Group stock appears to be overvalued. The current stock price of €53.00 is trading 53.6% above its estimated GF Value™ of €34.51.

Key valuation signals for FRA:33W:

  • Cyclically Adjusted FCF per Share: €3.12
  • GF Value™: €34.51 vs. price of €53.00 (53.6% above fair value)
  • GF Score™: 60/100 with 5 warning signs

No single metric tells the full story. See the FRA:33W stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bankwell Financial Group Business Description

Other Exchanges BWFG:USA
Address 258 Elm Street, New Canaan, CT, USA, 06840
Bankwell Financial Group Inc is a bank holding company, engaged in providing financial products and services. It offers products related to commercial lending, retail lending, depository services, and others. The bank's commercial lending products includes owner-occupied commercial real estate loans, commercial real estate investment loans, commercial loans to small and mid-sized businesses and real estate construction and development loans. The retail lending products include residential mortgage loans, home equity lines of credit, and consumer installment loans. Its depository products include checking, savings, money market, certificates of deposit, noninterest-bearing demand, and time deposits.
60GF Score

Get the complete analysis for FRA:33W

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€53.00
Price
€34.51
GF Value