COMP <GO>
BWFG vs CIVB // 10Y YIELD & FRED MACRO BETA
Bankwell Financial Group Inc. (NASDAQ) VS. Civista Bancshares Inc. (NASDAQ) • 15-METRIC TALLY: BWFG 4
— CIVB 4
■ METRIC PARITY
LAST: $72.94 (+2.40%) • MKT CAP: $581.5M
macro-sensitivity
—
LAST: $28.98 (+2.66%) • MKT CAP: $602.6M
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BWFG VS. CIVB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BWFG | CIVB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.70% | 8.50% | +3.20 | BWFG | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.89% | 7.11% | -2.22 | CIVB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 44.00% | -0.50% | +44.50 | BWFG | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.13% | 2.00% | -0.87 | CIVB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | BWFG | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 72.5 | 68.2 | +4.30 | BWFG | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.3x | 11.9x | +1.40 | CIVB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $581.5M | $602.6M | -$21.1M | CIVB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BWFG REV | CIVB REV | BWFG GROSS % | CIVB GROSS % | BWFG FCF | CIVB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.8M | $19.0M | — | — | $27.1M | $42.1M |
| FY 2024 | $2.0M | $19.1M | — | — | $29.3M | $44.1M |
| FY 2023 | $1.6M | $30.4M | — | — | $31.9M | $62.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BWFG // BETA —
CIVB // BETA —