ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bankwell Financial Group's annualizedNet Income for the quarter that ended in Mar. 2026 was €39.01 Mil.
Bankwell Financial Group's average Total Assets over the quarter that ended in Mar. 2026 was €2,893.85 Mil. Therefore, Bankwell Financial Group's annualized ROA % for the quarter that ended in Mar. 2026 was 1.35%.
The historical rank and industry rank for Bankwell Financial Group's ROA % or its related term are showing as below:
FRA:33W'
s ROA % Range Over the Past 10 Years
Min: 0.29 Med: 0.96 Max: 1.31
Current: 1.21
During the past 13 years, Bankwell Financial Group's highest ROA % was 1.31%. The lowest was 0.29%. And the median was 0.96%.
FRA:33W's ROA % is ranked better than 64.62% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs FRA:33W: 1.21
Bankwell Financial Group (FRA:33W) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Banks - Regional subindustry, Bankwell Financial Group's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bankwell Financial Group's ROA % distribution charts can be found below:
* The bar in red indicates where Bankwell Financial Group's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Bankwell Financial Group (FRA:33W) has a ROA % of 1.35% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bankwell Financial Group and its competitors. This is 41% above median its historical median of 0.96. Over the past decade, Bankwell Financial Group's ROA % has ranged from 0.29 to 1.31. According to the industry distribution chart, Bankwell Financial Group ranks #541 out of 1529 companies in the Banks industry, placing it in the top 35.4%.
Is Bankwell Financial Group's ROA % too high?
Bankwell Financial Group's current ROA % of 1.35% is 41% above median its 10-year median of 0.96. Over the past 10 years, this metric has ranged from a low of 0.29 to a high of 1.31. The Banks industry median ROA % is 0.98. Bankwell Financial Group's value of 1.35% is 37.8% above this industry median. Based on the distribution chart, Bankwell Financial Group ranks #541 out of 1529 companies in the Banks industry, which is above the industry midpoint. 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 ROA % compare to BMRC and PBAM?
According to the Banks industry distribution chart, Bankwell Financial Group ranks #541 out of 1529 companies for ROA %. This puts Bankwell Financial Group in the upper half of its industry. The industry median ROA % is 0.98. Bankwell Financial Group's value of 1.35% is 37.8% above this benchmark. Historically, Bankwell Financial Group's own ROA % has ranged from 0.29 to 1.31 over the past decade. While the company's 10-year median is 0.96 vs. the industry median of 0.98, Bankwell Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bankwell Financial Group's current ROA % of 1.35% is 37.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bankwell Financial Group and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bankwell Financial Group's current ROA % is 1.35%, which is 41% above median its own 10-year median of 0.96. 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 ROA % of 1.35%. The stock's GF Value™ is €30.65, compared to a current price of €46.80 — trading 52.7% above its estimated fair value. The current ROA % is 1.35%, which is 41% above median its 10-year median of 0.96 and 37.8% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Bankwell Financial Group (FRA:33W), the current ROA % is 1.35% 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 €46.80 is trading 52.7% above its estimated GF Value™ of €30.65.
Key valuation signals for FRA:33W:
ROA %: 1.35% (41% above median its 10-year median of 0.96)
GF Value™: €30.65 vs. price of €46.80 (52.7% above fair value)
Industry Position: 37.8% above the Banks median (#541 of 1529)
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 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
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