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BWFG on Nasdaq

Bankwell Financial Group, Inc.

Bankwell Financial Group, Inc. is an American state commercial bank that raised $70 million in 2022 (SEC Form D).2 It is headquartered in New Canaan, United States.2 Its shares trade on Nasdaq under the symbol BWFG.2

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Last updated Oct 21, 2026.

Overview

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  • TickerBWFG on Nasdaq2
  • IndustryState Commercial Banks2
  • HeadquartersNew Canaan, United States2
  • Incorporated inCT3
  • Business address208 Elm Street, New Canaan, Ct 068403
  • Filer categoryAccelerated filer, Smaller reporting company3
  • Legal formCorporation2
  • LEI5493004NUBQXPY84NX672
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O BANKWELL LOAN SERVICING GROUP, INC., 06840 New Canaan, United States2
  • Registered withSecretary of the State's Commercial Recording Division, 08741762

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The foregoing factors should not be construed as exhaustive. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. New factors emerge from time to time, and it is not possible for us to predict which will arise. In addition, we cannot assess the impact of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained…4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

1245.5%Net margin5
44.0%Revenue growth, 20255
11.7%Return on equity5
$27.1MFree cash flow5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Income tax27¢$13.3M
  • Profit73¢$35.2M

Out of $2.8M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending4¢$1.1M
  • Dividends paid22¢$6.3M
  • Share buybacks5¢$1.3M
  • Kept or used elsewhere69¢$19.5M

Out of $28.3M of cash from operations.5

Financial statements

Revenue6789105$2.8M in 2025+176% since 2019
0$1.0M$2.0M$3.0M2019: $1.0M$1.0M20192020: $788.0K$788.0K2020−23%2021: $872.0K$872.0K2021+11%2022: $1.1M$1.1M2022+23%2023: $1.6M$1.6M2023+52%2024: $2.0M$2.0M2024+21%2025: $2.8M$2.8M2025+44%
Net income6789105$35.2M in 2025+93% since 2019
0$10.0M$20.0M$30.0M$40.0M2019: $18.2M$18.2M20192020: $5.9M$5.9M2020−68%2021: $26.6M$26.6M2021+350%2022: $37.4M$37.4M2022+41%2023: $36.7M$36.7M2023−2%2024: $9.8M$9.8M2024−73%2025: $35.2M$35.2M2025+260%

Every line of the income statement as filed: the last 2 fiscal years, latest first.5

Period ending2025-12-312024-12-31
Interest and fees on loans$180.7M$172.8M
Interest and dividends on securities$6.2M$5.2M
Interest on cash and cash equivalents$11.5M$14.0M
Total interest and dividend income$198.3M$192.0M
Interest expense on deposits$92.8M$101.3M
Interest expense on borrowings$6.6M$7.5M
Total interest expense$99.4M$108.7M
Net interest income$98.9M$83.3M
Provision for credit losses$1.0M$22.6M
Net interest income after provision for credit losses$97.9M$60.7M
Gains and fees from sales of loans$5.1M$523.0K
Bank owned life insurance$1.4M$1.4M
Service charges and fees$2.8M$2.0M
Other$68.0K-$124.0K
Total noninterest income$9.4M$3.7M
Salaries and employee benefits$30.3M$23.7M
Occupancy and equipment$10.1M$9.5M
Data processing$3.1M$3.3M
Professional services$6.0M$4.5M
Director fees$1.4M$1.8M
FDIC insurance$2.7M$3.4M
Marketing$608.0K$452.0K
Other$4.6M$4.4M
Total noninterest expense$58.8M$51.1M
Income before income tax expense$48.5M$13.3M
Income tax expense$13.3M$3.6M
Net income$35.2M$9.8M
Basic (in dollars per share)$4.49$1.24
Diluted (in dollars per share)$4.45$1.23
Basic (in shares)7.8M shares7.7M shares
Diluted (in shares)7.8M shares7.7M shares
Dividends per common share (in dollars per share)$0.80$0.80

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Corporate structure

Bankwell Financial Group, Inc. sits at the top of its group. 2 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Bankwell Financial Group, Inc.

  • BlackRock Filed SCHEDULE 13G on Bankwell Financial Group, Inc., latest Jul 27, 2026 (5 filings since Jan 31, 2024)
  • George P. Bauer Filed SCHEDULE 13D/A on Bankwell Financial Group, Inc., latest Dec 18, 2025
  • SEIDMAN LAWRENCE B Filed SCHEDULE 13D/A on Bankwell Financial Group, Inc., latest Sep 15, 2025 (3 filings since Dec 23, 2024)
  • Bankwell Financial Group, Inc. New Canaan, Connecticut, United States
    • Bankwell Bank Subsidiary · New Canaan, Connecticut, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Bankwell Financial Group, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Operating-lease assets (leased space)$10.0M5 Dec 31, 2025$11.1M10 Dec 31, 2024−9.9%

Investments

ItemLatestA year beforeChange
Marketable securities, current$192.1M5 Dec 31, 2025$146.1M5 Dec 31, 2024+31.5%
Equity securities at fair value$2.2M5 Dec 31, 2025$2.1M5 Dec 31, 2024+6.1%
Loans, net of allowance$2.8B5 Dec 31, 2025$2.7B5 Dec 31, 2024+4.9%
Deposits held (banks)$2.8B5 Dec 31, 2025$2.8B5 Dec 31, 2024+1.5%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$2.6M5 Dec 31, 2025$2.6M5 Dec 31, 20240%

Properties, in its own words

The Bank’s headquarters building is located at 258 Elm Street in New Canaan, Connecticut. The headquarters building also operates as a limited service Domestic Representative Office. The property is leased by us until 2031.

We also lease office space for each of our branch offices in New Canaan, Stamford, Norwalk, Fairfield, Darien, and Westport, Connecticut as well as locations in Garden City, New York and Brooklyn, New York. During 2025, the Bank received regulatory approval from the FDIC, the CT DOB, and the NY DFS to establish a new full-service branch in Brooklyn, New York, which opened during the first quarter of 2026. The leases for our facilities have terms expiring at dates ranging from 2028 to 2033, although certain of the leases contain options to extend beyond these dates. We own the Hamden branch office. We believe that our current facilities are adequate for our current level of operations. Each lease is at market rate based on similar properties in the applicable market area. Management continually evaluates its branch and other office locations for opportunities to maximize cost savings while meeting our growth needs and the needs of our clients.

The rest of Item 2

Our branch office locations are as follows:

Branch · Address · Owned or Leased

Cherry Street · 156 Cherry Street New Canaan, CT 06840 · Lease (expires 2031)

Atlantic Street · 300 Atlantic Street Stamford, CT 06901 · Lease (expires 2033)

High Ridge · 1095 High Ridge Road Stamford, CT 06905 · Lease (expires 2028)

Black Rock · 2220 Black Rock Turnpike Fairfield, CT 06825 · Lease (expires 2029)

Sasco Hill · One Sasco Hill Road Fairfield, CT 06824 · Lease (expires 2031)

Norwalk · 370 Westport Avenue Norwalk, CT 06851 · Lease (expires 2029)

Hamden · 2704 Dixwell Avenue Hamden, CT 06518 · Own

Westport · 100 Post Road East Westport, CT 06880 · Lease (expires 2028)

Darien · 1065 Post Road Darien, CT 06820 · Lease (expires 2028)

Garden City* · 1399 Franklin Avenue, Suite 301, Garden City, NY 11580 · Lease (expires 2030)

Brooklyn** · 557 & 559 86th Street, Brooklyn NY 11209 · Lease (expires 2030)

* - Limited service Domestic Representative Office, not a full service bank branch.

* - Full service branch; anticipated opening in the first quarter of 2026.

Item 2 of the 10-K filed Mar 4, 2026.4

Leadership

Who has led Bankwell Financial Group, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Peyton R. Patterson2014
  2. Christopher Gruseke2015–now

Chair

  1. Blake S. Drexler2014–2015

President

  1. Peyton R. Patterson2014
  2. Christopher Gruseke2015–2024
  3. Matt McNeill2025–now

Chief financial officer

  1. Ernest J. Verrico Sr.2014–2016
  2. Penko Krassimir Ivanov2017–2022
  3. Courtney E. Sacchetti2023–now

Chief operating officer

  1. Gail E. D. Brathwaite2014–2015
  2. Laura Waitz2021–2023
201520202025
Board members and other officers (32)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • DirectorDarrell J. Demos named Aug 31, 202254
  • DirectorDaniel S. Jones named Oct 20, 202155

Former names

  • BNC Financial Group, Inc.Nov 17, 2010 to Nov 26, 20123

Timeline

  1. Jul 23, 20268-K Results of operations; Regulation FD disclosure; Other events56
  2. May 20, 20268-K Shareholder vote57
  3. Apr 22, 20268-K Results of operations; Regulation FD disclosure; Other events58
  4. Jan 29, 20268-K Results of operations; Regulation FD disclosure; Other events59
  5. Oct 23, 20258-K Results of operations; Regulation FD disclosure; Other events60
  6. Jul 28, 20258-K Results of operations; Regulation FD disclosure; Other events61
  7. May 21, 20258-K Shareholder vote62
  8. Apr 23, 20258-K Results of operations; Regulation FD disclosure; Other events63
  9. Feb 3, 20258-K Other events64
  10. Jan 22, 20258-K Results of operations; Executive or director change; Regulation FD disclosure65
  11. Dec 23, 20248-K Entered a material agreement66
  12. Oct 28, 20248-K Results of operations; Regulation FD disclosure; Other events67
  13. Mar 17, 2015New chief executive Christopher Gruseke becomes CEO13
  14. May 14, 2014New chief executive Peyton R. Patterson becomes CEO14
  15. Jan 11, 2007Founded Bankwell Financial Group, Inc. is founded2

Calendar

Coming up

  1. Oct 29, 2026 · Before the openReports results for the quarter ending Sep/2026 A year earlier it reported $1.27 a share, on Oct 23, 2025.68

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results56
  2. Apr 22, 2026Reported quarterly or annual results58
  3. Jan 29, 2026Reported quarterly or annual results59
  4. Oct 23, 2025Reported quarterly or annual results60
  5. Jul 28, 2025Reported quarterly or annual results61
  6. Apr 23, 2025Reported quarterly or annual results63
  7. Jan 22, 2025Reported quarterly or annual results65
  8. Oct 28, 2024Reported quarterly or annual results67

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

569 filings to the SEC since October 2021: 5 annual reports, 16 quarterly reports, 37 major events, 461 insider forms, 9 large holders, 2 private raises, 39 other. The latest 20:

  1. Sep 9, 20264 EDGAR
  2. Sep 9, 20264 EDGAR
  3. Sep 9, 20264 EDGAR
  4. Sep 9, 20264 EDGAR
  5. Sep 9, 20264 EDGAR
  6. Aug 26, 20264 EDGAR
  7. Aug 10, 20264 EDGAR
  8. Aug 5, 202610-Q EDGAR
  9. Aug 4, 2026144 EDGAR
  10. Aug 4, 20264 EDGAR
  11. Jul 27, 2026SCHEDULE 13G EDGAR
  12. Jul 23, 20268-K EDGAR
  13. Jul 1, 2026144 EDGAR
  14. Jul 1, 20264 EDGAR
  15. Jun 9, 20264 EDGAR
  16. Jun 9, 20264 EDGAR
  17. Jun 9, 20264 EDGAR
  18. Jun 9, 20264 EDGAR
  19. Jun 9, 20264 EDGAR
  20. Jun 8, 20264 EDGAR

The 569 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

386 open-market trades by officers, directors and large owners since October 2021: 335 buys and 51 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 8, 2026Dale Eric JDirectorBuy530$67.11$35.6KForm 4
Sep 8, 2026Dunne Jeffrey RDirectorBuy261$67.11$17.5KForm 4
Sep 8, 2026Drexler Blake SDirectorBuy116$67.11$7.8KForm 4
Sep 8, 2026Porto Carl MDirectorBuy327$67.11$21.9KForm 4
Sep 8, 2026SEIDMAN LAWRENCE BDirectorBuy5,266$66.94$352.5KForm 4
Aug 25, 2026SEIDMAN LAWRENCE BDirectorBuy2,540$65.92$167.4KForm 4
Aug 7, 2026SEIDMAN LAWRENCE BDirectorBuy10,000$66.63$666.3KForm 4
Jul 31, 2026Hildebrand Ryan JasonChief Innovation OfficerSale2,246$66.74$149.9KForm 4
Jul 1, 2026Hildebrand Ryan JasonChief Innovation OfficerSale1,088$58.48$63.6KForm 4
Jun 5, 2026SEIDMAN LAWRENCE BDirectorBuy323$53.70$17.3KForm 4
Jun 5, 2026Dale Eric JDirectorBuy588$53.70$31.6KForm 4
Jun 5, 2026Drexler Blake SDirectorBuy79$53.70$4.2KForm 4
Jun 5, 2026Dunne Jeffrey RDirectorBuy315$53.70$16.9KForm 4
Jun 5, 2026Porto Carl MDirectorBuy370$53.70$19.9KForm 4
Jun 5, 2026Lampert ToddDirectorSale3,500$53.59$187.6KForm 4
Jun 1, 2026SEIDMAN LAWRENCE BDirectorBuy3,381$51.87$175.4KForm 4
May 15, 2026SEIDMAN LAWRENCE BDirectorBuy170$49.92$8.5KForm 4
May 13, 2026SEIDMAN LAWRENCE BDirectorBuy1,930$50.11$96.7KForm 4
May 1, 2026Chivily ChristineEVP & Chief Credit OfficerSale4,321$52.16$225.4KForm 4
Mar 13, 2026SEIDMAN LAWRENCE BDirectorBuy10,000$46.96$469.6KForm 4

All 386 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Christopher R. GrusekeCEO65$700.0K$1.3M72
2025Matthew McNeillPresident and Chief Banking Officer$500.0K$931.0K72
2025Ryan J. HildebrandEVP and Chief Innovation Officer$375.0K$655.7K72
2024Christopher R. GrusekeCEO65$630.0K$1.0M72
2024Matthew McNeillPresident and Chief Banking Officer$450.0K$820.0K72
2024Ryan J. HildebrandEVP and Chief Innovation Officer$350.0K$527.1K72

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Aug 19, 2022Raised $35 million in a private offering of debt Form D: 17 investors so far Form D
  2. Oct 14, 2021Raised $35 million in a private offering of debt Form D: 1 investor so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.493,180$29.0M0.0%+12,875
Dimensional Fund Advisors LP329,747$19.4M0.0%+10,506
Vanguard Capital Management LLC277,398$16.3M0.0%−5,514
Geode Capital Management, LLC167,476$9.8M0.0%+11,260
Pacific Ridge Capital Partners, LLC166,709$9.8M1.8%−1,291
American Century Companies Inc158,198$9.3M0.0%+52,207
State Street Corp146,182$8.6M0.0%+15,356
Two Sigma Investments, LP118,419$7.0M0.0%+33,349
Siena Capital Partners GP, LLC116,138$6.8M1.7%No change
Hillsdale Investment Management Inc.111,000$6.5M0.1%+5,100
Aqr Capital Management LLC108,960$6.4M0.0%+57,990
Northern Trust Corp94,520$5.6M0.0%+28,203
Renaissance Technologies LLC93,748$5.5M0.0%−13,800
Banc Funds Co LLC90,423$5.3M0.9%−6,000
Wealthspire Advisors, LLC87,538$5.1M0.0%New
Nuveen, LLC80,322$4.7M0.0%+12,930
Qube Research & Technologies Ltd74,260$4.4M0.0%+21,599
Goldman Sachs Group Inc73,456$4.3M0.0%−17,304
Commonwealth Equity Services, LLC67,349$4.0M0.0%−2,488
Bridgeway Capital Management, LLC53,793$3.2M0.1%−1,151
Vanguard Fiduciary Trust Co46,465$2.7M0.0%+1,142
Vanguard Portfolio Management LLC40,981$2.4M0.0%+2,151
Empowered Funds, LLC32,191$1.9M0.0%+2,249
Algert Global LLC31,421$1.8M0.0%+3,681
Morgan Stanley30,321$1.8M0.0%−2,785

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Bankwell Financial Group, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARBankwell Financial Group, Inc.1
  • CIK0001505732
  • Employer ID (EIN)20-82513554
  • Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inConnecticut4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6022 State Commercial Banks1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address208 Elm Street, New Canaan, CT 068401
  • Phone(203) 972-38381
  • Shares outstanding7,971,972 as of Jul 30, 202612
  • Public float$230.4M as of Jun 30, 20254
  • AuditorRSM US LLP, Hartford, Connecticut PCAOB ID 49; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceNov 17, 20101
  • Filings1,211 in all: 4 (808), 8-K (117), 5 (39), 10-Q (38), 3 (37), 144 (27), 3/A (14), DEF 14A (13)1
    All 44 form types

    10-K (12), 4/A (12), SC 13G/A (10), CORRESP (9), DEFA14A (9), D (5), EFFECT (5), SC 13D/A (5), SC 13G (5), UPLOAD (5), 5/A (4), SCHEDULE 13D/A (4), S-8 (3), SC 13D (3), 424B3 (2), S-1/A (2), S-4 (2), SCHEDULE 13G (2), SCHEDULE 13G/A (2), 10-Q/A (1), 144/A (1), 424B2 (1), 424B4 (1), 424B7 (1), 8-A12B (1), ARS (1), CERTNAS (1), D/A (1), DEFR14A (1), DRS (1), NT 10-K (1), POS AM (1), S-1 (1), S-3 (1), S-3/A (1), S-4/A (1)

  • Latest filingsAnnual report (10-K) Mar 4, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Apr 7, 2026
    Latest 8-K (8-K) Jul 23, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, no par value pershareBWFGNASDAQ Global Market

From the cover page of the 10-K filed Mar 4, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks Bankwell Financial Group, Inc. names in Item 1A of its 10-K filed Mar 4, 2026: 36 risks under these headings, as written.4

  • Risks Relating to Our Business
  • As a business operating in the financial services industry, our business and operations may be adversely affected in numerous and complex ways by weak economic conditions.
  • We may not be able to adequately measure and limit our credit risk, which could lead to unexpected losses.
  • Our ACL-Loans may not be adequate to absorb losses inherent in our loan portfolio, which could have a material adverse effect on our financial condition and results of operations.
  • Our concentration of large loans to certain borrowers may increase our credit risk.
  • Our commercial real estate loan, commercial loan and construction loan portfolios expose us to potentially elevated risks.
  • Lack of seasoning of our loan portfolio could increase risk of credit defaults in the future.
  • Our lending limit may restrict our growth and prevent us from effectively implementing our business strategy.
  • A prolonged downturn in the real estate market could result in losses and adversely affect our profitability.
  • We are subject to interest rate risk that could negatively impact our profitability.
  • Strong competition could reduce our profits and slow growth.
  • Our ability to maintain our reputation is critical to the success of our business.
The other 25 risks
  • We are dependent on our executive management team and other key employees, and we could be adversely affected by the unexpected loss of their services.
  • We may not be able to execute our strategic plan.
  • Failure or disruption of the operating systems and technologies we use, including those of third parties, could adversely affect our business.
  • Unauthorized access, cyber-crime, and other threats to data security, including those posed by artificial intelligence, may require significant resources, harm our reputation, and adversely affect our business.
  • We are subject to losses due to fraudulent and negligent acts on the part of loan applicants, our clients, vendors, bad actors, and/or our employees.
  • We may be unsuccessful in identifying and completing the acquisition of whole financial institutions or related lines of business.
  • Some institutions we may acquire may have distressed assets and there can be no assurance that we would be able to realize the value we predict from these assets or that we would make sufficient provision for future losses in the value of, or accurately estimate the future write downs taken in respect of, these assets.
  • As a result of an investment or acquisition transaction, we may be required to take write-downs or write-offs, restructuring and impairment or other charges that could have a significant negative effect on our financial condition and results of operations, which could cause you to lose some or all of your investment.
  • We may be required to repurchase mortgage loans or indemnify buyers against losses in some circumstances, which could harm liquidity, results of operations and financial condition.
  • The fair value of our investment securities can fluctuate due to factors outside of our control.
  • We are subject to environmental liability risk associated with our lending activities.
  • Climate change and related legislative and regulatory initiatives may materially affect the Company’s business and results of operations.
  • Adverse developments affecting the financial services industry, such as bank failures, may adversely affect the Bank’s results of operations and financial condition, including capital and liquidity.
  • Risks Applicable to the Regulation of our Industry
  • We operate in a highly regulated environment, which could have a material and adverse impact on our operations and activities, financial condition, results of operations, growth plans and future prospects.
  • Federal and state regulators periodically examine our business and we may be required to remediate adverse examination findings.
  • The Bank’s FDIC deposit insurance premiums and assessments may increase.
  • The Bank is subject to further reporting requirements under FDIC regulations.
  • We are subject to numerous laws designed to protect consumers, including the Community Reinvestment Act, or CRA, and fair lending laws, and failure to comply with these laws could lead to a wide variety of sanctions.
  • We face a risk of noncompliance and enforcement action with the Bank Secrecy Act and other anti-money laundering statutes and regulations.
  • We face a risk of disruptions and may be impacted by U.S. Government shutdowns.
  • General Risk Factors
  • Resources could be expended in considering or evaluating potential acquisitions that are not consummated, which could materially and adversely affect subsequent attempts to locate and acquire or merge with another business.
  • We may be adversely affected by the soundness of other financial institutions.
  • We rely on third parties to provide key components of our business infrastructure, and failure of these parties to perform for any reason could disrupt our operations.
  • We may incur impairment to goodwill.
  • The evolving and often conflicting political and regulatory landscape related to environmental, social, and governance (“ESG”) practices creates uncertainty and compliance challenges that may increase our costs and expose us to new or additional risks.

Legal proceedings

From time to time, we are a party to various litigation matters incidental to the conduct of our business. We are not presently party to any legal proceedings the resolution of which we believe would have a material adverse effect on our business, future prospects, financial condition, liquidity, results of operation, cash flows or capital levels.

The opening of Item 3, Legal Proceedings.4

Sources

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