FSBC vs. BWFG
FSBC (Five Star Bancorp) and BWFG (Bankwell Financial Group, Inc.) are both stocks. Both operate in the Banks - Regional industry within the Financial Services sector. Over the past 5 years, FSBC returned 17.34%/yr vs 21.98%/yr for BWFG. Their 0.48 correlation means their historical movements had little consistent relationship.
Performance
FSBC vs. BWFG - Performance Comparison
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Returns By Period
In the year-to-date period, FSBC achieves a 34.39% return, which is significantly lower than BWFG's 49.91% return.
FSBC
- 1D
- -0.11%
- 1M
- -3.02%
- 6M
- 21.37%
- YTD
- 34.39%
- 1Y
- 65.38%
- 3Y*
- 28.18%
- 5Y*
- 17.34%
- 10Y*
- —
- ALL TIME*
- 21.11%
BWFG
- 1D
- 0.65%
- 1M
- 16.30%
- 6M
- 42.54%
- YTD
- 49.91%
- 1Y
- 77.41%
- 3Y*
- 38.98%
- 5Y*
- 21.98%
- 10Y*
- 14.63%
- ALL TIME*
- 10.44%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $5.39M | $5.14M | $3.95M | |
| $14.82M | $10.08M | $7.15M |
FSBC vs. BWFG - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
FSBC Five Star Bancorp | 34.39% | 22.06% | 18.61% | -0.56% | -7.16% | 51.85% |
BWFG Bankwell Financial Group, Inc. | 49.91% | 50.33% | 7.06% | 5.76% | -8.20% | 21.20% |
Correlation
The correlation between FSBC and BWFG is 0.66, which is moderate. They have sometimes moved together and sometimes differently, sharing some price drivers without tracking each other closely.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.66 |
Correlation (3Y) Balances recent behavior with more history. | 0.60 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.49 |
Correlation (All Time) Calculated using the full available price history since May 4, 2021 | 0.48 |
The correlation between FSBC and BWFG shifts across timeframes, from 0.48 (all time) to 0.66 (1 year), reflecting how their relationship changes across market environments.
Fundamentals
FSBC:
$1.01B
BWFG:
$543.37M
FSBC:
$4.51
BWFG:
$5.46
FSBC:
10.46
BWFG:
12.47
FSBC:
5.01
BWFG:
0.22
FSBC:
2.71
BWFG:
2.47
FSBC:
$278.25M
BWFG:
$216.69M
FSBC:
$168.04M
BWFG:
$120.85M
FSBC:
$98.83M
BWFG:
$61.62M
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Return for Risk
FSBC vs. BWFG — Risk / Return Rank
FSBC
BWFG
FSBC vs. BWFG - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Five Star Bancorp (FSBC) and Bankwell Financial Group, Inc. (BWFG). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FSBC | BWFG | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.43 | ||
| Sortino ratioReturn per unit of downside risk | -0.01 | ||
| Omega ratioGain probability vs. loss probability | 1.41 | 1.44 | -0.03 |
| Calmar ratioReturn relative to maximum drawdown | 4.75 | 5.98 | -1.23 |
| Martin ratioReturn relative to average drawdown | 13.77 | 15.44 | -1.66 |
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Drawdowns
FSBC vs. BWFG - Drawdown Comparison
The maximum FSBC drawdown since its inception was -40.76%, smaller than the maximum BWFG drawdown of -64.64%. Use the drawdown chart below to compare losses from any high point for FSBC and BWFG.
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Drawdown Indicators
| FSBC | BWFG | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -40.76% | -64.64% | +23.88% |
Max Drawdown (1Y)Largest decline over 1 year | -13.07% | -12.40% | -0.67% |
Max Drawdown (3Y)Largest decline over 3 years | -24.54% | -24.73% | +0.19% |
Max Drawdown (5Y)Largest decline over 5 years | -40.76% | -38.80% | -1.96% |
Max Drawdown (10Y)Largest decline over 10 years | — | -64.64% | — |
Current DrawdownCurrent decline from peak | -5.01% | 0.00% | -5.01% |
Average DrawdownAverage peak-to-trough decline | -12.98% | -19.74% | +6.76% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 4.50% | 4.80% | -0.30% |
Volatility
FSBC vs. BWFG - Volatility Comparison
The current volatility for Five Star Bancorp (FSBC) is 6.62%, while Bankwell Financial Group, Inc. (BWFG) has a volatility of 8.77%. This indicates that FSBC experiences smaller price fluctuations and is considered to be less risky than BWFG based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FSBC | BWFG | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 6.62% | 8.77% | -2.15% |
Volatility (6M)Calculated over the trailing 6-month period | 14.75% | 18.59% | -3.84% |
Volatility (1Y)Calculated over the trailing 1-year period | 25.44% | 25.94% | -0.50% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 31.38% | 28.53% | +2.85% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 32.61% | 30.95% | +1.66% |
Dividends
FSBC vs. BWFG - Dividend Comparison
FSBC's dividend yield for the trailing twelve months is around 2.44%, more than BWFG's 1.17% yield.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
BWFG Bankwell Financial Group, Inc. | 1.17% | 1.75% | 3.21% | 2.65% | 2.72% | 1.95% | 2.86% | 1.80% | 1.67% | 0.82% | 0.68% | 0.25% |
FSBC Five Star Bancorp | 2.44% | 2.24% | 2.66% | 2.86% | 2.20% | 1.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
FSBC vs. BWFG - Financials Comparison
This section allows you to compare key financial metrics between Five Star Bancorp and Bankwell Financial Group, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FSBC vs. BWFG - Profitability Comparison
FSBC - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Five Star Bancorp reported a gross profit of 45.71M and revenue of 74.20M. Therefore, the gross margin over that period was 61.6%.
BWFG - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Bankwell Financial Group, Inc. reported a gross profit of 31.56M and revenue of 55.52M. Therefore, the gross margin over that period was 56.8%.
FSBC - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Five Star Bancorp reported an operating income of 26.09M and revenue of 74.20M, resulting in an operating margin of 35.2%.
BWFG - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Bankwell Financial Group, Inc. reported an operating income of 16.32M and revenue of 55.52M, resulting in an operating margin of 29.4%.
FSBC - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Five Star Bancorp reported a net income of 19.40M and revenue of 74.20M, resulting in a net margin of 26.1%.
BWFG - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Bankwell Financial Group, Inc. reported a net income of 12.37M and revenue of 55.52M, resulting in a net margin of 22.3%.
Frequently Asked Questions
FSBC and BWFG have a correlation of 0.66, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
BWFG has higher volatility (8.77%) compared to FSBC (6.62%). In terms of maximum drawdown, FSBC dropped -40.76% vs BWFG's -64.64%.
BWFG currently has the higher Sharpe Ratio (2.88 vs 2.45), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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