EWSB Bancorp (EWSB) 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 Nov 4, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 12, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the EWSB SEC filings page.
EWSB Bancorp Inc (EWSB) reported $6.8M in revenue over the twelve months to Jun 30, 2026, up 28.7% from the prior twelve months. This page shows its 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).
The balance sheet is asset-heavy and liability-funded, while rising interest costs deepen losses despite a revenue rebound.
Revenue recovered in FY2025 to$6.4M , yet the net profit margin worsened to-65.5% ; this divergence, alongside a2.0% increase in interest expense, indicates that financing costs—not simply sales volume—are central to the earnings deterioration.
Leverage intensified: liabilities represented
Cash generation remains negative: FY2025 net loss was
Financial Health Signals
We do not publish a peer-relative financial health score for EWSB Bancorp Inc, because the score only covers companies whose filings and listing give us what it needs to compare them with their peers. The signals and metrics below are current.
EWSB Bancorp Inc passes 3 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.
Key Financial Metrics
Earnings & Revenue
EWSB Bancorp Inc generated $1.6M in revenue in Q2 2026. This represents an increase of 9.3% from the same quarter a year earlier. Against the prior quarter it is up 1.7%.
EWSB Bancorp Inc reported a net loss of $315K in Q2 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
EWSB Bancorp Inc earned -$0.44 per diluted share (EPS) in Q2 2026. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Not reported for Q2 2026.
Cash & Balance Sheet
EWSB Bancorp Inc recorded an outflow of $248K in free cash flow in Q2 2026, representing a cash shortfall after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
EWSB Bancorp Inc held $6.7M in cash against $23.4M in long-term debt as of Q2 2026.
Not reported for Q2 2026.
Margins & Returns
EWSB Bancorp Inc's net profit margin was -19.3% in Q2 2026, showing the share of revenue converted to profit. This is down 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 3.5 percentage points.
EWSB Bancorp Inc's quarterly ROE was -2.1% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
EWSB Bancorp Inc invested $22K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 275.8% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Not reported for Q2 2026.
Not reported for Q2 2026.
EWSB 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 | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.6M+9.3% | $1.6M+24.7% | $1.9M+59.5% | $1.7M+25.8% | $1.5M+19.8% | $1.3M-0.8% | $1.2M | $1.3M-18.8% |
| Interest Expense | $1.4M-11.9% | $1.5M-8.4% | $1.6M-2.9% | $1.6M-2.1% | $1.6M+2.9% | $1.6M+11.1% | $1.6M | $1.7M+40.4% |
| Income Tax | $0n/m | $0n/m | $49Kn/m | $3.2Mn/m | -$146Kn/m | -$228Kn/m | -$224K | -$150Kn/m |
| Net Income | -$315Kn/m | -$365Kn/m | $11Kn/m | -$3.3Mn/m | -$279Kn/m | -$569Kn/m | -$528Kn/m | -$332Kn/m |
| EPS (Basic) | -$0.44n/m | -$0.52n/m | $0.02 | -$4.74 | -$0.40 | -$0.81 | N/A | N/A |
| EPS (Diluted) | -$0.44n/m | -$0.52n/m | $0.02 | -$4.74 | -$0.40 | -$0.81 | N/A | N/A |
| Diluted Shares (Avg) | 711,867+1.2% | 705,457+0.4% | N/A | 704,140 | 703,482 | 702,823 | N/A | N/A |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
EWSB 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 | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $266.0M-6.7% | $263.2M-5.1% | $271.0M-0.9% | $280.2M+4.1% | $285.0M+6.6% | $277.4M | $273.3M+4.1% | $269.2M |
| Cash & Equivalents | $6.7M+144.4% | $965K-14.3% | $1.3M+7.1% | $1.0M-12.2% | $2.7M+80.4% | $1.1M-72.9% | $1.2M-26.1% | $1.1M-8.0% |
| Total Liabilities | $250.8M-6.9% | $250.3M-4.4% | $257.8M0.0% | $267.3M+5.8% | $269.3M+4.9% | $261.7M | $257.7M+2.6% | $252.8M |
| Long-Term Debt | $23.4M-47.1% | $29.3M+5.1% | $38.4M+58.5% | $44.8M+77.2% | $44.3M+42.4% | $27.8M | $24.2M+27.2% | $25.3M |
| Total Equity | $15.2M-3.5% | $13.0M-17.0% | $13.2M-15.4% | $12.9M-21.7% | $15.8M+44.5% | $15.6M+39.2% | $15.6M+35.5% | $16.4M+51.8% |
| Retained Earnings | $12.6M-24.1% | $13.0M-23.5% | $13.3M-23.9% | $13.3M-26.2% | $16.7M-9.3% | $16.9M | $17.5M-8.9% | $18.0M |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Goodwill, Current Liabilities, Non-Current Liabilities.
EWSB 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 | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$226Kn/m | -$487Kn/m | $137Kn/m | -$510K-205.5% | -$445Kn/m | -$853Kn/m | -$868Kn/m | $483Kn/m |
| Capital Expenditures | $22K+275.8% | $0-100.0% | $45K+11151.9% | $8K-86.3% | $6K-71.4% | $46K+66.8% | $399-55.6% | $57K |
| Free Cash Flow | -$248Kn/m | -$487Kn/m | $92Kn/m | -$518K-221.5% | -$451Kn/m | -$899Kn/m | -$869Kn/m | $426K |
| Investing Cash Flow | $2.8Mn/m | $7.4Mn/m | $9.8Mn/m | $871Kn/m | -$5.4Mn/m | -$3.3Mn/m | -$4.4M-413.1% | -$1.5M-136.5% |
| Financing Cash Flow | $3.1M-58.6% | -$7.2M-274.1% | -$9.7M-281.7% | -$2.1M-416.5% | $7.5M+881.9% | $4.1M-10.8% | $5.3Mn/m | $660Kn/m |
Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation, Dividends Paid, Share Buybacks.
EWSB 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 | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -19.3%-0.6pp | -22.8%+21.5pp | 0.6%+43.8pp | -201.7% | -18.7%+18.5pp | -44.3%-15.1pp | -43.3% | -25.2%-17.7pp |
| Return on Equity | -2.1%-0.3pp | -2.8%+0.8pp | 0.1%+3.5pp | -25.9%-23.9pp | -1.8%+2.5pp | -3.6%-0.3pp | -3.4%+0.1pp | -2.0%-0.9pp |
| Return on Assets | -0.1%0.0pp | -0.1%+0.1pp | 0.0%+0.2pp | -1.2%-1.1pp | -0.1%+0.1pp | -0.2% | -0.2%0.0pp | -0.1% |
| Debt-to-Equity | 1.54-1.3x | 2.26+0.5x | 2.90+1.4x | 3.48+1.9x | 2.810.0x | 1.78 | 1.55-0.1x | 1.54 |
| Liabilities-to-Equity | 16.48-0.6x | 19.29+2.5x | 19.50+3.0x | 20.76+5.4x | 17.07-6.4x | 16.75 | 16.49-5.3x | 15.37 |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.00 | 0.00 | 0.00 |
| FCF Margin | -15.3%+15.0pp | -30.4%+39.7pp | 4.8%+76.0pp | -31.3%-63.6pp | -30.3%+38.2pp | -70.1%+10.0pp | -71.2% | 32.4% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it. Market cap is stated at each company's latest close.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| EWSB Bancorp Inc EWSB | FY2025 | $6.4M | -$4.2M | -65.5% | $10.4M | — |
| Carver Bancorp Inc CARV | FY2025 | $22.2M | -$13.7M | -61.8% | $9.7M | — |
| Magnolia Bancorp Inc MGNO | FY2025 | $1.4M | -$170K | -12.4% | $12.5M | — |
| Glen Burnie Bancorp GLBZ | FY2024 | $12.1M | -$112K | -0.9% | $12.3M | — |
Where EWSB Bancorp Inc Ranks
Frequently Asked Questions
EWSB Bancorp Inc (EWSB) reported $6.4M in total revenue for fiscal year 2025. This represents a 25.6% 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.
EWSB Bancorp Inc (EWSB) revenue grew by 25.6% year-over-year, from $5.1M to $6.4M in fiscal year 2025.
No, EWSB Bancorp Inc (EWSB) reported a net loss of $4.0M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net loss of $4.2M, with a net profit margin of -65.5%.
As of fiscal year 2025, EWSB Bancorp Inc (EWSB) had $1.3M in cash and equivalents against $38.4M in long-term debt.
EWSB Bancorp Inc (EWSB) had a net profit margin of -65.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
EWSB Bancorp Inc (EWSB) has a return on equity of -31.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
EWSB Bancorp Inc (EWSB) recorded an outflow of $1.8M in free cash flow during fiscal year 2025. The change from the previous fiscal year is not meaningful, because that year’s figure was zero or negative. 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.
EWSB Bancorp Inc (EWSB) recorded an outflow of $1.7M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
EWSB Bancorp Inc (EWSB) had $271.0M in total assets as of fiscal year 2025, including both current and long-term assets.
EWSB Bancorp Inc (EWSB) invested $105K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
EWSB Bancorp Inc (EWSB) had a debt-to-equity ratio of 2.90 as of fiscal year 2025. We compute it as long-term debt divided by total shareholder equity, where long-term debt is the noncurrent part of the company's borrowings, so debt due within the next twelve months is not counted.
EWSB Bancorp Inc (EWSB) had a liabilities-to-equity ratio of 19.50 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity.
EWSB Bancorp Inc (EWSB) had a return on assets of -1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
EWSB Bancorp Inc (EWSB) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (trailing 12 months to June 30, 2026). The market capitalization is $10.4M as of Nov 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
EWSB Bancorp Inc (EWSB) trades at 1.5x sales, its market capitalization divided by $6.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $10.4M as of Nov 4, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
EWSB Bancorp Inc (EWSB) has a Piotroski F-Score of 3 out of 7 computable signals; 2 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.