1895 BANCORP OF WISC (BCOW) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 22, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q3 FY2024, filed Nov 8, 2024. Each column of the statement tables below links to the filing it was taken from.
1895 BANCORP OF WISC (BCOW) reported $13.2M in revenue over the twelve months to Sep 30, 2024, down 5.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Rising funding costs have turned a shrinking revenue base into losses and weakened capital efficiency.
Interest expense rose from$2.0M in FY2022 to$8.5M in FY2023, making the earnings deterioration primarily a financing-cost problem rather than simply a low-margin outcome. That pressure coincided with a-62.1% net margin and operating cash flow of-$709K , linking the accounting loss to weaker cash generation.
Assets increased from
Operating cash flow was positive in each of FY2020-FY2022, then turned to
Financial Health Signals
1895 BANCORP OF WISC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
1895 BANCORP OF WISC passes 2 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 1 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
1895 BANCORP OF WISC reported a net loss of $6.8M while operations used $709K of cash. With neither figure positive, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
1895 BANCORP OF WISC generated $3.9M in revenue in Q3 2024. This represents an increase of 148.9% from the same quarter a year earlier. Against the prior quarter it is down 1.8%.
1895 BANCORP OF WISC reported -$159K in net income in Q3 2024. This represents an increase of 95.6% from the same quarter a year earlier. Against the prior quarter it is up 69.2%.
1895 BANCORP OF WISC earned -$0.03 per diluted share (EPS) in Q3 2024. This represents an increase of 95.5% from the same quarter a year earlier. Against the prior quarter it is up 66.7%.
Not reported for Q3 2024.
Cash & Balance Sheet
Not reported for Q3 2024.
Not reported for Q3 2024.
Not reported for Q3 2024.
Margins & Returns
1895 BANCORP OF WISC's net profit margin was -4.1% in Q3 2024, showing the share of revenue converted to profit. Against the prior quarter it is up 8.9 percentage points. No change is given against Q3 2023: its reported ratio is below -100.0% of revenue, so it does not read as a share of revenue.
1895 BANCORP OF WISC's ROE was -0.2% in Q3 2024, measuring profit generated per dollar of shareholder equity. This is up 5.0 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.
Not reported for Q3 2024.
Not reported for Q3 2024.
Capital Allocation
None of these metrics is reported for Q3 2024.
BCOW Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $3.9M+148.9% | $4.0M-0.3% | $4.0M-0.9% | $1.4M-68.9% | $1.6M-64.3% | $4.0M+16.7% | $4.0M+1.8% | $4.4M+3.5% |
| SG&A Expenses | $2.5M+12.4% | $2.5M-10.1% | $2.4M-12.2% | $2.4M-32.5% | $2.3M-15.7% | $2.8M+39.4% | $2.7M+17.9% | $3.5M+11.2% |
| Interest Expense | $3.0M+24.6% | $3.0M+56.0% | $3.0M+101.1% | $2.7M+205.8% | $2.4M+507.8% | $2.0M+427.3% | $1.5M+333.1% | $882K+160.9% |
| Income Tax | -$298K-120.9% | -$159K+41.8% | -$100K+33.8% | -$613K-61400.0% | $1.4M+6685.7% | -$273K-105.3% | -$151K-151.7% | $1K+100.9% |
| Net Income | -$159K+95.6% | -$516K-1.6% | -$306K+15.2% | -$2.3M-9608.3% | -$3.6M-3036.3% | -$508K-110.8% | -$361K-556.4% | $24K+108.9% |
| EPS (Basic) | -$0.03+95.5% | -$0.090.0% | -$0.06+14.3% | -$0.42 | -$0.66-3400.0% | -$0.09-125.0% | -$0.07-600.0% | $0.00+100.0% |
| EPS (Diluted) | -$0.03+95.5% | -$0.090.0% | -$0.06+14.3% | -$0.42 | -$0.66-3400.0% | -$0.09-125.0% | -$0.07-600.0% | $0.00+100.0% |
| Diluted Shares (Avg) | 5M-1.8% | 5M-1.8% | 5M-1.2% | N/A | 6M-7.5% | 6M-5.1% | 6M-5.8% | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BCOW Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $564.5M+1.8% | $561.5M+1.5% | $564.2M+2.3% | $557.6M+2.7% | $554.6M+4.8% | $553.4M+3.3% | $551.6M+1.0% | $543.0M+0.6% |
| Total Liabilities | $491.4M+1.4% | $490.4M+2.3% | $492.7M+3.6% | $484.8M+3.7% | $484.4M+6.8% | $479.2M+5.4% | $475.6M+3.2% | $467.7M+4.2% |
| Total Equity | $73.2M+4.3% | $71.1M-4.1% | $71.5M-5.8% | $72.8M-3.5% | $70.2M-7.6% | $74.1M-8.4% | $75.9M-10.9% | $75.4M-17.1% |
| Retained Earnings | $32.9M-9.0% | $33.1M-16.9% | $33.6M-16.7% | $33.9M-18.3% | $36.2M-12.7% | $39.8M-3.6% | $40.3M-3.0% | $41.5M-0.4% |
Not reported in any period shown, so not listed: Current Assets, Cash & Equivalents, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
BCOW Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.5M+200.0% | -$796K-417.1% | -$398K+63.4% | -$385K-146.3% | $512K-55.2% | $251K-75.6% | -$1.1M-160.0% | $831K+110.1% |
| Depreciation & Amortization | $111K-8.3% | $118K-4.8% | $118K-7.8% | $119K-12.5% | $121K-21.4% | $124K-20.5% | $128K-16.9% | $136K-13.4% |
| Stock-Based Compensation | N/A | N/A | $37K-21.3% | N/A | N/A | N/A | $47K-7.8% | N/A |
| Investing Cash Flow | $7.0M+600.6% | -$2.3M+74.7% | $3.4M+158.7% | -$12.9M-1823.7% | -$1.4M+29.4% | -$9.2M+63.0% | -$5.8M+78.9% | -$670K+93.7% |
| Financing Cash Flow | $317K-93.3% | -$3.1M-211.6% | $6.7M-11.0% | -$79K-100.6% | $4.7M+227.7% | $2.7M+142.1% | $7.6M-35.8% | $12.5M+1155.9% |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.
BCOW Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q3'2410-Q | Q2'2410-Q | Q1'2410-Q | Q4'2310-Q | Q3'2310-Q | Q2'2310-Q | Q1'2310-Q | Q4'2210-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -4.1% | -13.0%-0.2pp | -7.7%+1.3pp | -165.4% | -232.1% | -12.7%-5.7pp | -9.0%-7.6pp | 0.5%+6.8pp |
| Return on Equity | -0.2%+5.0pp | -0.7%0.0pp | -0.4%0.0pp | -3.1%-3.2pp | -5.2%-5.3pp | -0.7%-0.4pp | -0.5%-0.4pp | 0.0%+0.3pp |
| Return on Assets | 0.0%+0.6pp | -0.1%0.0pp | -0.1%0.0pp | -0.4%-0.4pp | -0.7%-0.7pp | -0.1%-0.1pp | -0.1%-0.1pp | 0.0%+0.1pp |
| Debt-to-Equity | 6.71-0.2x | 6.90+0.4x | 6.89+0.6x | 6.66+0.5x | 6.90+0.9x | 6.47+0.8x | 6.26+0.9x | 6.21+1.3x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.000.0x | 0.000.0x | 0.010.0x | 0.010.0x | 0.010.0x |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin.
Where 1895 BANCORP OF WISC Ranks
Frequently Asked Questions
What is 1895 BANCORP OF WISC's annual revenue?
1895 BANCORP OF WISC (BCOW) reported $10.9M in total revenue for fiscal year 2023. This represents a -32.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is 1895 BANCORP OF WISC's revenue growing?
1895 BANCORP OF WISC (BCOW) revenue declined by 32.4% year-over-year, from $16.2M to $10.9M in fiscal year 2023.
Is 1895 BANCORP OF WISC profitable?
No, 1895 BANCORP OF WISC (BCOW) reported a net income of -$6.8M in fiscal year 2023, with a net profit margin of -62.1%.
What is 1895 BANCORP OF WISC's net profit margin?
1895 BANCORP OF WISC (BCOW) had a net profit margin of -62.1% in fiscal year 2023, representing the share of revenue converted into profit after all expenses.
What is 1895 BANCORP OF WISC's return on equity (ROE)?
1895 BANCORP OF WISC (BCOW) has a return on equity of -9.3% for fiscal year 2023, measuring how efficiently the company generates profit from shareholder equity.
What is 1895 BANCORP OF WISC's operating cash flow?
1895 BANCORP OF WISC (BCOW) recorded an outflow of $709K in operating cash flow during fiscal year 2023, representing cash used by core business activities.
What are 1895 BANCORP OF WISC's total assets?
1895 BANCORP OF WISC (BCOW) had $557.6M in total assets as of fiscal year 2023, including both current and long-term assets.
What is 1895 BANCORP OF WISC's debt-to-equity ratio?
1895 BANCORP OF WISC (BCOW) had a debt-to-equity ratio of 6.66 as of fiscal year 2023, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is 1895 BANCORP OF WISC's return on assets (ROA)?
1895 BANCORP OF WISC (BCOW) had a return on assets of -1.2% for fiscal year 2023, measuring how efficiently the company uses its assets to generate profit.
What is 1895 BANCORP OF WISC's P/E ratio?
1895 BANCORP OF WISC (BCOW) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to September 30, 2024). The market capitalization is $91.0M as of Sep 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is 1895 BANCORP OF WISC's price-to-sales ratio?
1895 BANCORP OF WISC (BCOW) trades at 6.9x sales, its market capitalization divided by revenue of $13.2M revenue, trailing 12 months to September 30, 2024. The market capitalization is $91.0M as of Sep 22, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is 1895 BANCORP OF WISC's Piotroski F-Score?
1895 BANCORP OF WISC (BCOW) has a Piotroski F-Score of 2 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are 1895 BANCORP OF WISC's earnings high quality?
1895 BANCORP OF WISC (BCOW) reported a net loss of $6.8M while operations used $709K of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.