1895 Bancorp Of Wis Inc Financials
This page shows 1895 Bancorp Of Wis Inc (BCOW) financial statements, including the 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).
Funding-cost pressure in a thinly capitalized balance sheet turned a small asset-level miss into a large equity loss.
With debt-to-equity at 6.7x in FY2023, a return on assets of just-1.2% translated into a much deeper hit to shareholder returns, showing how the thin equity layer magnifies small changes in asset-level profitability. That pressure came less from overhead than from funding cost: interest expense jumped to$8.5M while selling, general and administrative expense stayed near$10.1M , so the balance sheet itself became materially more expensive to carry.
The earnings problem surfaced before cash strain became obvious. Operating cash flow stayed positive through FY2022 even as profitability faded, then slipped to
This is still a highly leveraged funding structure: FY2023 assets of
Financial Health Signals
Based on FY2023 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of 1895 Bancorp Of Wis Inc's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
1895 Bancorp Of Wis Inc's revenue surged 26.9% year-over-year to $20.9M, reflecting rapid business expansion. This strong growth earns a score of 68/100.
1895 Bancorp Of Wis Inc has elevated debt relative to equity (D/E of 6.66), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
1895 Bancorp Of Wis Inc generates a -9.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 1/100. This is down from -0.2% the prior year.
1895 Bancorp Of Wis Inc passes 3 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, 1895 Bancorp Of Wis Inc generates $0.10 in operating cash flow (-$709K OCF vs -$6.8M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Earnings & Revenue
1895 Bancorp Of Wis Inc generated $20.9M in revenue in fiscal year 2023. This represents an increase of 26.9% from the prior year.
1895 Bancorp Of Wis Inc reported -$6.8M in net income in fiscal year 2023. This represents a decrease of 4489.2% from the prior year.
1895 Bancorp Of Wis Inc earned $-1.23 per diluted share (EPS) in fiscal year 2023. This represents a decrease of 4000.0% from the prior year.
Cash & Balance Sheet
1895 Bancorp Of Wis Inc had 6M shares outstanding in fiscal year 2023. This represents a decrease of 2.0% from the prior year.
Margins & Returns
1895 Bancorp Of Wis Inc's net profit margin was -32.6% in fiscal year 2023, showing the share of revenue converted to profit. This is down 31.7 percentage points from the prior year.
1895 Bancorp Of Wis Inc's ROE was -9.3% in fiscal year 2023, measuring profit generated per dollar of shareholder equity. This is down 9.1 percentage points from the prior year.
Capital Allocation
BCOW Income Statement
| Metric | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.0M-3.0% | $6.2M+2.8% | $6.0M+4.8% | $5.8M+7.1% | $5.4M+7.1% | $5.0M+6.5% | $4.7M+3.1% | $4.6M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $2.5M-0.2% | $2.5M+7.8% | $2.4M+0.5% | $2.4M+3.9% | $2.3M-20.1% | $2.8M+5.3% | $2.7M-22.7% | $3.5M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $3.0M-1.0% | $3.0M+2.5% | $3.0M+10.1% | $2.7M+11.5% | $2.4M+24.0% | $2.0M+32.1% | $1.5M+67.5% | $882K |
| Income Tax | -$298K-87.4% | -$159K-59.0% | -$100K+83.7% | -$613K-143.0% | $1.4M+622.0% | -$273K-80.8% | -$151K-15200.0% | $1K |
| Net Income | -$159K+69.2% | -$516K-68.6% | -$306K+86.6% | -$2.3M+37.3% | -$3.6M-616.7% | -$508K-40.7% | -$361K-1604.2% | $24K |
| EPS (Diluted) | $-0.03+66.7% | $-0.09-50.0% | $-0.06 | N/A | $-0.66-633.3% | $-0.09-28.6% | $-0.07 | N/A |
BCOW Balance Sheet
| Metric | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $564.5M+0.5% | $561.5M-0.5% | $564.2M+1.2% | $557.6M+0.5% | $554.6M+0.2% | $553.4M+0.3% | $551.6M+1.6% | $543.0M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $491.4M+0.2% | $490.4M-0.5% | $492.7M+1.6% | $484.8M+0.1% | $484.4M+1.1% | $479.2M+0.8% | $475.6M+1.7% | $467.7M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $73.2M+3.0% | $71.1M-0.6% | $71.5M-1.7% | $72.8M+3.7% | $70.2M-5.4% | $74.1M-2.4% | $75.9M+0.8% | $75.4M |
| Retained Earnings | $32.9M-0.5% | $33.1M-1.5% | $33.6M-0.9% | $33.9M-6.3% | $36.2M-9.1% | $39.8M-1.3% | $40.3M-2.8% | $41.5M |
BCOW Cash Flow Statement
| Metric | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.5M+293.0% | -$796K-100.0% | -$398K-3.4% | -$385K-175.2% | $512K+104.0% | $251K+123.1% | -$1.1M-230.8% | $831K |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | $7.0M+401.4% | -$2.3M-168.2% | $3.4M+126.5% | -$12.9M-820.0% | -$1.4M+84.8% | -$9.2M-58.4% | -$5.8M-768.1% | -$670K |
| Financing Cash Flow | $317K+110.4% | -$3.1M-145.4% | $6.7M+8629.1% | -$79K-101.7% | $4.7M+71.2% | $2.7M-63.8% | $7.6M-39.3% | $12.5M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
BCOW Financial Ratios
| Metric | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | -2.6%+5.7pp | -8.3%-3.2pp | -5.1%+34.6pp | -39.6%+28.1pp | -67.8%-57.7pp | -10.1%-2.5pp | -7.7%-8.2pp | 0.5% |
| Return on Equity | -0.2%+0.5pp | -0.7%-0.3pp | -0.4%+2.7pp | -3.1%+2.1pp | -5.2%-4.5pp | -0.7%-0.2pp | -0.5%-0.5pp | 0.0% |
| Return on Assets | -0.0%+0.1pp | -0.1%-0.0pp | -0.1%+0.4pp | -0.4%+0.2pp | -0.7%-0.6pp | -0.1%-0.0pp | -0.1%-0.1pp | 0.0% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.71-0.2 | 6.90+0.0 | 6.89+0.2 | 6.66-0.2 | 6.90+0.4 | 6.47+0.2 | 6.26+0.1 | 6.21 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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Frequently Asked Questions
What is 1895 Bancorp Of Wis Inc's annual revenue?
1895 Bancorp Of Wis Inc (BCOW) reported $20.9M in total revenue for fiscal year 2023. This represents a 26.9% 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 Wis Inc's revenue growing?
1895 Bancorp Of Wis Inc (BCOW) revenue grew by 26.9% year-over-year, from $16.4M to $20.9M in fiscal year 2023.
Is 1895 Bancorp Of Wis Inc profitable?
No, 1895 Bancorp Of Wis Inc (BCOW) reported a net income of -$6.8M in fiscal year 2023, with a net profit margin of -32.6%.
What is 1895 Bancorp Of Wis Inc's net profit margin?
1895 Bancorp Of Wis Inc (BCOW) had a net profit margin of -32.6% in fiscal year 2023, representing the share of revenue converted into profit after all expenses.
What is 1895 Bancorp Of Wis Inc's return on equity (ROE)?
1895 Bancorp Of Wis Inc (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 Wis Inc's operating cash flow?
1895 Bancorp Of Wis Inc (BCOW) generated -$709K in operating cash flow during fiscal year 2023, representing cash generated from core business activities.
What are 1895 Bancorp Of Wis Inc's total assets?
1895 Bancorp Of Wis Inc (BCOW) had $557.6M in total assets as of fiscal year 2023, including both current and long-term assets.
What is 1895 Bancorp Of Wis Inc's debt-to-equity ratio?
1895 Bancorp Of Wis Inc (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 Wis Inc's return on assets (ROA)?
1895 Bancorp Of Wis Inc (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 Wis Inc's Piotroski F-Score?
1895 Bancorp Of Wis Inc (BCOW) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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 Wis Inc's earnings high quality?
1895 Bancorp Of Wis Inc (BCOW) has an earnings quality ratio of 0.10x, considered low quality (accrual-driven). 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.
How financially healthy is 1895 Bancorp Of Wis Inc?
1895 Bancorp Of Wis Inc (BCOW) scores 12 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.