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).
EWSB’s visible mechanic is a large asset base financed with growing leverage supporting revenue too small to comfortably absorb fixed costs.
Between FY2024 and FY2025, revenue expanded from$9.7M to$11.1M , but operating cash flow stayed negative in both years. Meanwhile, equity fell to$13.2M while long-term debt climbed to$38.4M , so the slightly larger business is being carried by a thinner capital cushion rather than funding itself.
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Financial Health Signals
Based on FY2025 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 Ewsb Bancorp 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.
Ewsb Bancorp Inc has a moderate D/E ratio of 2.90. This balance of debt and equity financing earns a leverage score of 43/100.
While Ewsb Bancorp Inc generated -$1.7M in operating cash flow, capex of $105K consumed most of it, leaving -$1.8M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Ewsb Bancorp Inc generates a -31.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is down from -10.9% the prior year.
Ewsb Bancorp 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, 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. This represents an increase of 14.1% from the prior year.
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 held $1.3M in cash against $38.4M in long-term debt as of fiscal year 2025.
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. This is down 20.1 percentage points from the prior year.
Ewsb Bancorp Inc's ROE was -31.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 20.7 percentage points from the prior year.
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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $2.7M | N/A | N/A | N/A | $2.6M | 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 | $1.0M | N/A | $1.1M-1.7% | $1.1M-2.0% | $1.1M | N/A | $1.0M+1.0% | $1.0M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $1.5M | N/A | $1.6M0.0% | $1.6M-0.6% | $1.6M | N/A | $1.7M+5.2% | $1.6M |
| Income Tax | $0 | N/A | $3.2M+2275.5% | -$146K+35.8% | -$228K | N/A | -$150K+24.5% | -$199K |
| Net Income | -$365K | N/A | -$3.3M-1098.8% | -$279K+51.0% | -$569K | N/A | -$332K+28.4% | -$463K |
| EPS (Diluted) | $-0.52 | N/A | $-4.74-1085.0% | $-0.40+50.6% | $-0.81 | N/A | N/A | N/A |
EWSB Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $263.2M-2.9% | $271.0M-3.3% | $280.2M-1.7% | $285.0M+2.8% | $277.4M+1.5% | $273.3M+1.5% | $269.2M+0.6% | $267.5M |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $965K-24.2% | $1.3M+26.4% | $1.0M-63.2% | $2.7M+142.9% | $1.1M-5.3% | $1.2M+3.7% | $1.1M-24.3% | $1.5M |
| 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 | $250.3M-2.9% | $257.8M-3.6% | $267.3M-0.7% | $269.3M+2.9% | $261.7M+1.6% | $257.7M+1.9% | $252.8M-1.5% | $256.6M |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $29.3M-23.7% | $38.4M-14.4% | $44.8M+1.3% | $44.3M+59.0% | $27.8M+15.0% | $24.2M-4.4% | $25.3M-18.6% | $31.1M |
| Total Equity | $13.0M-1.8% | $13.2M+2.6% | $12.9M-18.4% | $15.8M+1.0% | $15.6M0.0% | $15.6M-5.0% | $16.4M+50.6% | $10.9M |
| Retained Earnings | $13.0M-2.7% | $13.3M+0.1% | $13.3M-20.1% | $16.7M-1.6% | $16.9M-3.2% | $17.5M-2.9% | $18.0M-1.8% | $18.4M |
EWSB Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$487K-454.9% | $137K+126.9% | -$510K-14.7% | -$445K+47.9% | -$853K+1.7% | -$868K-279.7% | $483K+158.2% | -$830K |
| Capital Expenditures | $0-100.0% | $45K+471.1% | $8K+33.7% | $6K-87.3% | $46K+11489.7% | $399-99.3% | $57K+178.1% | $21K |
| Free Cash Flow | -$487K-627.5% | $92K+117.8% | -$518K-14.9% | -$451K+49.9% | -$899K-3.5% | -$869K-303.9% | $426K+150.1% | -$851K |
| Investing Cash Flow | $7.4M-24.5% | $9.8M+1023.7% | $871K+116.0% | -$5.4M-62.6% | -$3.3M+23.9% | -$4.4M-191.3% | -$1.5M+41.2% | -$2.6M |
| Financing Cash Flow | -$7.2M+25.4% | -$9.7M-362.5% | -$2.1M-127.8% | $7.5M+81.1% | $4.1M-22.1% | $5.3M+705.6% | $660K-13.6% | $764K |
| 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 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| 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 | -13.6% | N/A | N/A | N/A | -21.8% | N/A | N/A | N/A |
| Return on Equity | -2.8% | N/A | -25.9%-24.2pp | -1.8%+1.9pp | -3.6% | N/A | -2.0%+2.2pp | -4.2% |
| Return on Assets | -0.1% | N/A | -1.2%-1.1pp | -0.1%+0.1pp | -0.2% | N/A | -0.1%+0.1pp | -0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 2.26-0.6 | 2.90-0.6 | 3.48+0.7 | 2.81+1.0 | 1.78+0.2 | 1.55+0.0 | 1.54-1.3 | 2.85 |
| FCF Margin | -18.2% | N/A | N/A | N/A | -34.5% | 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. This represents a 14.1% 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 14.1% year-over-year, from $9.7M to $11.1M 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 -37.6%.
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 -37.6% 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) 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 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 cash runway?
Based on fiscal year 2025 data, Ewsb Bancorp Inc (EWSB) had $1.3M in cash against an annual operating cash burn of $1.7M. This gives an estimated cash runway of approximately 9 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Ewsb Bancorp Inc's Piotroski F-Score?
Ewsb Bancorp Inc (EWSB) 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 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.
How financially healthy is Ewsb Bancorp Inc?
Ewsb Bancorp Inc (EWSB) scores 7 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.