---
schema_version: "secwatch.filing_event.v1"
accession: "0001505732-26-000001"
form_type: "8-K"
ticker: "BWFG"
cik: "0001505732"
company_name: "Bankwell Financial Group, Inc."
filed_at: "2026-01-29T23:59:59+00:00"
generated_at: "2026-05-16T06:24:29.798135+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Bankwell Q4 operating EPS $1.36, GAAP EPS $1.15, declares $0.20 dividend, provides 2026 outlook

## Summary
- Q4 GAAP net income $9.1M ($1.15 EPS) vs Q3 $10.1M ($1.27); operating net income $10.7M ($1.36 EPS).
- One-time income tax expense of $1.5M due to state tax adjustments from expanded footprint.
- Board declared $0.20 per share quarterly dividend payable Feb 20, 2026 to shareholders of record Feb 10.
- 2026 guidance: loan growth 4-5%; NII $111-112M; non-interest income $11-12M; non-interest expense $64-65M; efficiency ratio ~51-53%.

## SEC filing metadata
- accession: 0001505732-26-000001
- form_type: 8-K
- ticker: BWFG
- cik: 0001505732
- company_name: Bankwell Financial Group, Inc.
- filed_at: 2026-01-29T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1505732/000150573226000001/0001505732-26-000001-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1505732/000150573226000001/bwfg-20260129.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001505732-26-000001
- JSON: https://secwatch.observer/filing/0001505732-26-000001.json
- Plain text: https://secwatch.observer/filing/0001505732-26-000001.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.