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BWFG vs CZNC

BWFG
Bankwell Financial Group, Inc.
BULLISH
Price
$50.71
Market Cap
$404.5M
Sector
Financial Services
AI Confidence
70%
CZNC
Citizens & Northern Corporation
NEUTRAL
Price
$22.89
Market Cap
$410.0M
Sector
Financial Services
AI Confidence
55%

Valuation

P/E Ratio
BWFG
11.4
CZNC
15.68
Forward P/E
BWFG
9.22
CZNC
8.48
P/B Ratio
BWFG
1.29
CZNC
1.19
P/S Ratio
BWFG
3.77
CZNC
3.52
EV/EBITDA
BWFG
--
CZNC
--

Profitability

Gross Margin
BWFG
0.0%
CZNC
0.0%
Operating Margin
BWFG
49.98%
CZNC
34.55%
Profit Margin
BWFG
32.81%
CZNC
20.09%
ROE
BWFG
12.31%
CZNC
7.59%
ROA
BWFG
1.06%
CZNC
0.82%

Growth

Revenue Growth
BWFG
77.8%
CZNC
24.5%
Earnings Growth
BWFG
212.0%
CZNC
-52.6%

Financial Health

Debt/Equity
BWFG
--
CZNC
--
Current Ratio
BWFG
--
CZNC
--
Quick Ratio
BWFG
--
CZNC
--

Dividends

Dividend Yield
BWFG
1.6%
CZNC
4.9%
Payout Ratio
BWFG
17.98%
CZNC
76.71%

AI Verdict

BWFG BULLISH

BWFG shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 11.4
Strong profitability (32.8% margin)
Strong revenue growth of 77.8%
Risks
Weak financial trend (Piotroski F-Score: 3/9)
CZNC NEUTRAL

CZNC shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics. Price trades at a 124.0% premium to fair value estimate ($10.22), limiting near-term upside from a valuation perspective.

Strengths
Strong profitability (20.1% margin)
Strong revenue growth of 24.5%
Risks
Limited historical data available for full assessment
Price trades at a 124.0% premium to fair value estimate ($10.22), limiting near-term upside from a valuation perspective.

Compare Another Pair

BWFG vs CZNC: Head-to-Head Comparison

This page compares Bankwell Financial Group, Inc. (BWFG) and Citizens & Northern Corporation (CZNC) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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