EWSB BANCORP INC (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 Sep 16, 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).
EWSB’s dominant mechanic is balance-sheet leverage: modest revenue supports a large asset base while interest costs deepen losses.
The 2025 revenue recovery to$6.4M did not restore cash conversion: operating cash flow remained-$1.7M , showing that higher activity was not translating into internally generated funds. Net loss reached-$4.2M , making the earnings deterioration much sharper than the revenue movement alone suggests.
The balance sheet is heavily liability-funded, with liabilities of
Capital spending was just
Financial Health Signals
EWSB BANCORP INC 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.
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, both operating efficiency signals pass.
EWSB BANCORP INC reported a net loss of $4.2M while operations used $1.7M of cash. With neither figure positive, the ratio between the two carries no quality signal.
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 -$315K in net income in Q2 2026. This represents a decrease of 12.9% from the same quarter a year earlier. Against the prior quarter it is up 13.8%.
EWSB BANCORP INC earned -$0.44 per diluted share (EPS) in Q2 2026. This represents a decrease of 10.0% from the same quarter a year earlier. Against the prior quarter it is up 15.4%.
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. This represents an increase of 44.9% from the same quarter a year earlier. Against the prior quarter it is up 49.1%.
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 ROE was -2.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. 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.
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-Q | 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% |
| SG&A Expenses | $1.0M-5.2% | $1.0M-5.6% | $1.0M-8.4% | $1.1M+3.7% | $1.1M+6.6% | $1.1M+7.3% | $1.1M | $1.0M+9.8% |
| 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 | $0+100.0% | $0+100.0% | $49K+121.9% | $3.2M+2214.8% | -$146K+26.6% | -$228K-40.0% | -$224K | -$150K-354.8% |
| Net Income | -$315K-12.9% | -$365K+35.9% | $11K+102.1% | -$3.3M-907.6% | -$279K+39.8% | -$569K-50.6% | -$528K | -$332K-172.1% |
| EPS (Basic) | -$0.44-10.0% | -$0.52+35.8% | $0.02 | -$4.74 | -$0.40 | -$0.81 | N/A | N/A |
| EPS (Diluted) | -$0.44-10.0% | -$0.52+35.8% | $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, 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-Q | 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% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $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, Inventory, Accounts Receivable, 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-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$226K+49.2% | -$487K+42.9% | $137K+115.8% | -$510K-205.5% | -$445K+46.4% | -$853K+15.4% | -$868K-38.1% | $483K+307.5% |
| Capital Expenditures | $22K+275.8% | $0-100.0% | $45K+11151.9% | $8K-86.3% | $6K-71.4% | $46K+66.8% | $399-55.6% | $57K-61.8% |
| Free Cash Flow | -$248K+44.9% | -$487K+45.8% | $92K+110.6% | -$518K-221.5% | -$451K+47.0% | -$899K+13.2% | -$869K-38.0% | $426K+211.3% |
| Investing Cash Flow | $2.8M+152.2% | $7.4M+320.5% | $9.8M+322.2% | $871K+157.6% | -$5.4M-111.6% | -$3.3M-208.4% | -$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% | $5.3M+1379.5% | $660K+115.5% |
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-Q | 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% | -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% | -0.1% |
| 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 |
| 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%+56.0pp |
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.
Where EWSB BANCORP INC Ranks
Frequently Asked Questions
What is EWSB BANCORP INC's annual revenue?
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.
How fast is EWSB BANCORP INC's revenue growing?
EWSB BANCORP INC (EWSB) revenue grew by 25.6% year-over-year, from $5.1M to $6.4M in fiscal year 2025.
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 -65.5%.
How much debt does EWSB BANCORP INC have?
As of fiscal year 2025, EWSB BANCORP INC (EWSB) had $1.3M in cash and equivalents against $38.4M in long-term debt.
What is EWSB BANCORP INC's net profit margin?
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.
What is EWSB BANCORP INC's return on equity (ROE)?
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.
What is EWSB BANCORP INC's free cash flow?
EWSB BANCORP INC (EWSB) recorded an outflow of $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) recorded an outflow of $1.7M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are EWSB BANCORP INC's total assets?
EWSB BANCORP INC (EWSB) had $271.0M in total assets as of fiscal year 2025, including both current and long-term assets.
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.
What is EWSB BANCORP INC's debt-to-equity ratio?
EWSB BANCORP INC (EWSB) had a debt-to-equity ratio of 2.90 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is EWSB BANCORP INC's return on assets (ROA)?
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.
What is EWSB BANCORP INC's P/E ratio?
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 $10.3M as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is EWSB BANCORP INC's price-to-sales ratio?
EWSB BANCORP INC (EWSB) trades at 1.5x sales, its market capitalization divided by revenue of $6.8M revenue, trailing 12 months to June 30, 2026. The market capitalization is $10.3M as of Sep 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is EWSB BANCORP INC's Piotroski F-Score?
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.
Are EWSB BANCORP INC's earnings high quality?
EWSB BANCORP INC (EWSB) reported a net loss of $4.2M while operations used $1.7M 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.