Provides traditional depository products like checking, savings, and money market accounts. Offers first mortgage loans for residential properties. Now — the numbers.
This is an established company with proven profits.
Average growth of 24% a year over the last 4 years. Every year shown ended in profit.
The market pays 15.5× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 66% of them.
No analyst target is on record for this company.
Executives buying with their own money is usually read as confidence in the company’s future.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly above the class average — a step short of the very top.
Sales are growing strongly for its sector.
The stock has been running stronger than the market lately.
No real weak spot in any of the five subjects — a balanced report card.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 17% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 24% a year on average.
Over the last 12 months, company executives reported 131 buys and 12 sells. Management buying with its own money is usually read as a good sign.
Our checks did not surface a specific risk to flag here. That is not the same as there being none.
On our five-subject report card, BWFG sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: BWFG is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.