Ewsb Bancorp Inc Financials
This page shows Ewsb Bancorp Inc (EWSB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 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).
Financial Health Signals
For every $1 of reported earnings, Ewsb Bancorp Inc generates $0.40 in operating cash flow (-$1.7M OCF vs -$4.2M 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
Ewsb Bancorp Inc generated $11.1M in revenue in fiscal year 2025.
Ewsb Bancorp Inc reported -$4.2M in net income in fiscal year 2025. This represents a decrease of 145.7% from the prior year.
Ewsb Bancorp Inc earned $-5.93 per diluted share (EPS) in fiscal year 2025. This represents an increase of 31.2% from the prior year.
Cash & Balance Sheet
Ewsb Bancorp Inc generated -$1.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 23.8% from the prior year.
Ewsb Bancorp Inc had 752,538 shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Margins & Returns
Ewsb Bancorp Inc's net profit margin was -37.6% in fiscal year 2025, showing the share of revenue converted to profit.
Capital Allocation
Ewsb Bancorp Inc invested $105K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 1.0% from the prior year.
EWSB Income Statement
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 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 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $1.6M0.0% | $1.6M-0.6% | $1.6M | N/A | $1.7M+5.2% | $1.6M+7.3% | $1.5M | N/A |
| Income Tax | $3.2M+2275.5% | -$146K+35.8% | -$228K | N/A | -$150K+24.5% | -$199K-22.5% | -$162K | N/A |
| Net Income | -$3.3M-1098.8% | -$279K+51.0% | -$569K | N/A | -$332K+28.4% | -$463K-22.6% | -$377K | N/A |
| EPS (Diluted) | $-4.74-1085.0% | $-0.40+50.6% | $-0.81 | N/A | N/A | N/A | N/A | N/A |
EWSB Balance Sheet
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $280.2M-1.7% | $285.0M+2.8% | $277.4M+1.5% | $273.3M+1.5% | $269.2M+0.6% | $267.5M | N/A | $262.6M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $1.0M-63.2% | $2.7M+142.9% | $1.1M-5.3% | $1.2M+3.7% | $1.1M-24.3% | $1.5M-63.5% | $4.2M+158.3% | $1.6M |
| 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 | $267.3M-0.7% | $269.3M+2.9% | $261.7M+1.6% | $257.7M+1.9% | $252.8M-1.5% | $256.6M | N/A | $251.0M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $44.8M+1.3% | $44.3M+59.0% | $27.8M+15.0% | $24.2M-4.4% | $25.3M-18.6% | $31.1M | N/A | $19.0M |
| Total Equity | $12.9M-18.4% | $15.8M+1.0% | $15.6M0.0% | $15.6M-5.0% | $16.4M+50.6% | $10.9M-2.8% | $11.2M-2.7% | $11.5M |
| Retained Earnings | $13.3M-20.1% | $16.7M-1.6% | $16.9M-3.2% | $17.5M-2.9% | $18.0M-1.8% | $18.4M | N/A | $19.2M |
EWSB Cash Flow Statement
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$510K-14.7% | -$445K+47.9% | -$853K+1.7% | -$868K-279.7% | $483K+158.2% | -$830K+17.7% | -$1.0M-60.4% | -$629K |
| Capital Expenditures | $8K+33.7% | $6K-87.3% | $46K+11489.7% | $399-99.3% | $57K+178.1% | $21K-25.8% | $28K+2983.0% | $899 |
| Free Cash Flow | -$518K-14.9% | -$451K+49.9% | -$899K-3.5% | -$869K-303.9% | $426K+150.1% | -$851K+17.9% | -$1.0M-64.6% | -$630K |
| Investing Cash Flow | $871K+116.0% | -$5.4M-62.6% | -$3.3M+23.9% | -$4.4M-191.3% | -$1.5M+41.2% | -$2.6M-137.0% | -$1.1M-177.2% | $1.4M |
| Financing Cash Flow | -$2.1M-127.8% | $7.5M+81.1% | $4.1M-22.1% | $5.3M+705.6% | $660K-13.6% | $764K-83.5% | $4.6M+1217.3% | -$415K |
| 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 |
EWSB Financial Ratios
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Return on Equity | -25.9%-24.2pp | -1.8%+1.9pp | -3.6% | N/A | -2.0%+2.2pp | -4.2%-0.9pp | -3.4% | N/A |
| Return on Assets | -1.2%-1.1pp | -0.1%+0.1pp | -0.2% | N/A | -0.1%+0.1pp | -0.2% | N/A | N/A |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 3.48+0.7 | 2.81+1.0 | 1.78+0.2 | 1.55+0.0 | 1.54-1.3 | 2.85 | N/A | 1.65 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
Frequently Asked Questions
What is Ewsb Bancorp Inc's annual revenue?
Ewsb Bancorp Inc (EWSB) reported $11.1M in total revenue for fiscal year 2025. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
Is Ewsb Bancorp Inc profitable?
No, Ewsb Bancorp Inc (EWSB) reported a net income of -$4.2M in fiscal year 2025, with a net profit margin of -37.6%.
What is Ewsb Bancorp Inc's net profit margin?
Ewsb Bancorp Inc (EWSB) had a net profit margin of -37.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Ewsb Bancorp Inc's free cash flow?
Ewsb Bancorp Inc (EWSB) generated -$1.8M in free cash flow during fiscal year 2025. This represents a 23.8% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Ewsb Bancorp Inc's operating cash flow?
Ewsb Bancorp Inc (EWSB) generated -$1.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Ewsb Bancorp Inc's capital expenditures?
Ewsb Bancorp Inc (EWSB) invested $105K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Are Ewsb Bancorp Inc's earnings high quality?
Ewsb Bancorp Inc (EWSB) has an earnings quality ratio of 0.40x, 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.