1895 BANCORP OF WISCONSIN IN(NASDAQ:BCOW) stock Fundamental Analysis

Fundamental Rating

Overall BCOW gets a fundamental rating of 2 out of 10. We evaluated BCOW against 396 industry peers in the Banks industry. BCOW scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BCOW is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

BCOW had negative earnings in the past year.

BCOW had a negative operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: BCOW reported negative net income in multiple years.

BCOW had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of BCOW (-0.58%) is worse than 95.77% of its industry peers.

With a Return On Equity value of -4.46%, BCOW is not doing good in the industry: 95.27% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
ROA	-0.58%
ROE	-4.46%
ROIC	N/A

ROA(3y)-0.41%

ROA(5y)-0.17%

ROE(3y)-3.14%

ROE(5y)-1.29%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for BCOW so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BCOW does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, BCOW has less shares outstanding

BCOW has less shares outstanding than it did 5 years ago.

There is no outstanding debt for BCOW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

BCOW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC9.52%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

BCOW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 27.63%, which is quite impressive.

Looking at the last year, BCOW shows a decrease in Revenue. The Revenue has decreased by -5.58% in the last year.

BCOW shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -6.68% yearly.

EPS 1Y (TTM)27.63%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%95.56%

Revenue 1Y (TTM)-5.58%

Revenue growth 3Y-17.14%

Revenue growth 5Y-6.68%

Sales Q2Q%148.73%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

BCOW reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BCOW does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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1895 BANCORP OF WISCONSIN IN

NASDAQ:BCOW (3/7/2025, 8:06:58 PM)

After market: 9.71 +0.31 (+3.3%)

9.4

-0.7 (-6.93%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-08 2024-11-08/amc

Earnings (Next)03-27 2025-03-27

Inst Owners30.29%

Inst Owner Change-82.14%

Ins Owners4.57%

Ins Owner Change0%

Market Cap56.02M

Analysts0

Price TargetN/A

Short Float %0.06%

Short Ratio0.15

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	N/A
P/S	4.24
P/FCF	N/A
P/OCF	N/A
P/B	0.77
P/tB	0.78
EV/EBITDA	N/A

EPS(TTM)-0.59

EYN/A

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)-0.04

FCFYN/A

OCF(TTM)-0.01

OCFYN/A

SpS2.22

BVpS12.28

TBVpS12

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.58%
ROE	-4.46%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	N/A
FCFM	N/A

ROA(3y)-0.41%

ROA(5y)-0.17%

ROE(3y)-3.14%

ROE(5y)-1.29%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	45.63%
Cap/Sales	1.62%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC9.52%

ROIC/WACCN/A

Cap/Depr(3y)77.88%

Cap/Depr(5y)74.66%

Cap/Sales(3y)3.34%

Cap/Sales(5y)3.17%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)27.63%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%95.56%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-5.58%

Revenue growth 3Y-17.14%

Revenue growth 5Y-6.68%

Sales Q2Q%148.73%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y96.1%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y99.28%

OCF growth 3YN/A

OCF growth 5YN/A

1895 BANCORP OF WISCONSIN IN (BCOW) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens