BCOW - 1895 Bancorp of Wisconsin Inc Stock Price, Fair Value and News

7.07USD-0.12 (-1.67%)Market Closed

Market Summary

USD7.07-0.12

Market Closed

-1.67%

BCOW Stock Price

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BCOW RSI Chart

BCOW Valuation

Market Cap

42.5M

Price/Earnings (Trailing)

-6.26

Price/Sales (Trailing)

15.84

EV/EBITDA

6.65

Price/Free Cashflow

-59.98

BCOW Price/Sales (Trailing)

BCOW Profitability

EBT Margin

-238.51%

Return on Equity

-9.33%

Return on Assets

-1.22%

Free Cashflow Yield

-1.67%

BCOW Fundamentals

BCOW Revenue

Revenue (TTM)

2.7M

Rev. Growth (Yr)

24.47%

Rev. Growth (Qtr)

7.06%

BCOW Earnings

Earnings (TTM)

-6.8M

Earnings Growth (Yr)

-9.6K%

Earnings Growth (Qtr)

37.32%

Breaking Down BCOW Revenue

Last 7 days

0.3%

Last 30 days

4.6%

Last 90 days

-13.5%

Trailing 12 Months

9.6%

How does BCOW drawdown profile look like?

BCOW Financial Health

BCOW Investor Care

Buy Backs (1Y)

2.86%

Diluted EPS (TTM)

-1.24

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	2.4M	2.5M	2.6M	2.7M
2022	14.5M	14.7M	15.6M	2.3M
2021	15.2M	14.9M	14.6M	14.2M
2020	0	0	0	15.5M

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Tracking the Latest Insider Buys and Sells of 1895 Bancorp of Wisconsin Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Dec 01, 2023	klitzing steven t.	bought	1,875	6.25	300	svp and cfo
Nov 17, 2023	zenobi gary	bought	637	6.3711	100	-
Nov 13, 2023	ball david r	bought	5,040	6.3	800	president and ceo
May 19, 2023	ball david r	bought	4,774	6.95	687	president and ceo
May 18, 2023	ball david r	bought	20.4	6.8	3.00	president and ceo
May 18, 2023	klitzing steven t.	bought	6,770	6.77	1,000	svp and cfo
May 17, 2023	ball david r	bought	379	6.55	58.00	president and ceo
May 16, 2023	ball david r	bought	7,000	6.3068	1,109	president and ceo
Apr 24, 2023	baker monica	sold (taxes)	-10,331	7.23	-1,429	evp and coo
Apr 24, 2023	hurd richard b	sold (taxes)	-20,092	7.23	-2,779	evp - strategic planning ofcr

Which funds bought or sold BCOW recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 29, 2024	COMMONWEALTH EQUITY SERVICES, LLC	unchanged	-	-6,000	259,000	-%
Apr 26, 2024	UMB Bank, n.a.	unchanged	-	-633	25,398	-%
Apr 24, 2024	IAG Wealth Partners, LLC	added	1,777	187,137	197,944	0.04%
Mar 11, 2024	VANGUARD GROUP INC	reduced	-0.64	-49,825	3,147,440	-%
Feb 15, 2024	Farther Finance Advisors, LLC	added	10.75	6,385	71,997	-%
Feb 14, 2024	MALTESE CAPITAL MANAGEMENT LLC	reduced	-17.49	-334,771	1,499,530	0.42%
Feb 14, 2024	BANK OF AMERICA CORP /DE/	new	-	21.00	21.00	-%
Feb 14, 2024	Baird Financial Group, Inc.	unchanged	-	-1,181	126,959	-%
Feb 14, 2024	BHZ CAPITAL MANAGEMENT, LP	added	11.1	29,518	322,463	0.17%

Are Funds Buying or Selling BCOW?

Are funds buying BCOW calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own BCOW

No. of Funds

Unveiling 1895 Bancorp of Wisconsin Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 15, 2024	principal financial group inc	9.38%	570,551	SC 13G/A
Feb 14, 2024	alliancebernstein l.p.	10.0%	609,931	SC 13G/A
Feb 13, 2024	vanguard group inc	7.37%	450,277	SC 13G/A
Feb 13, 2024	vanguard index funds	7.37%	450,277	SC 13G
Feb 14, 2023	alliancebernstein l.p.	8.9%	589,054	SC 13G/A
Feb 10, 2023	m3 partners lp	0%	0	SC 13G/A
Feb 09, 2023	vanguard group inc	6.64%	439,648	SC 13G
Feb 06, 2023	principal financial group inc	8.99%	577,980	SC 13G/A
May 19, 2022	m3 partners lp	5.33%	338,968	SC 13G
Feb 14, 2022	alliancebernstein l.p.	8.5%	543,591	SC 13G

Recent SEC filings of 1895 Bancorp of Wisconsin Inc

View All Filings

Date Filed	Form Type	Document
Apr 22, 2024	8-K	Current Report
Apr 15, 2024	DEF 14A	DEF 14A
Mar 29, 2024	10-K	Annual Report
Feb 15, 2024	SC 13G/A	Major Ownership Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 13, 2024	SC 13G/A	Major Ownership Report
Feb 13, 2024	SC 13G	Major Ownership Report

Peers (Alternatives to 1895 Bancorp of Wisconsin Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	550.4B	174.7B	-3.62%	40.95%	10.93	3.15	53.11%	19.83%
BAC	288.3B	127.4B	-1.15%	32.34%	11.52	2.26	44.27%	-12.56%
WFC	208.6B	85.8B	4.32%	56.01%	11.11	2.43	35.02%	26.14%
C	117.6B	133.3B	-2.05%	34.77%	12.75	0.88	79.09%	-
CFG	16.1B	10.2B	-0.14%	33.45%	9.98	1.57	44.53%	-22.43%
KEY	14.0B	8.1B	-2.62%	55.93%	16.03	1.72	32.15%	-50.93%
MID-CAP
CMA	6.9B	4.2B	-3.21%	45.81%	9.9	1.62	34.68%	-45.96%
ZION	6.3B	3.9B	0.71%	88.53%	9.31	1.6	45.91%	-25.03%
ABCB	3.4B	1.3B	3.97%	58.26%	12.49	2.62	43.24%	-22.35%
ASB	3.3B	1.8B	5.09%	36.86%	20.51	1.79	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	391.4M	152.4M	-5.49%	44.45%	39.37	2.57	16.94%	-73.84%
AROW	387.7M	162.6M	-2.25%	14.75%	12.89	2.38	25.39%	-38.37%
ACNB	284.2M	96.6M	-5.09%	17.23%	8.97	2.94	11.02%	-11.37%
ASRV	42.0M	60.9M	2.51%	-13.74%	-12.56	0.69	24.06%	-144.92%

1895 Bancorp of Wisconsin Inc News

Latest updates

1895 Bancorp of Wisconsin Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

Income Statement (Quarterly)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2
Revenue	-100.0%	-	5,371,000	5,017,000	4,712,000	4,513,500	4,315,000	3,667,000	3,886,000	3,729,000	3,381,000	3,511,000	3,617,000	3,777,500	3,938,000	3,586,000
EBITDA Margin	370.4%	2.38	0.51	0.72	0.81	0.90	0.90	0.88	0.89	0.94	1.11	1.09	1.07	1.04	-	-
Interest Expenses	3.6%	3,058,000	2,952,000	3,066,000	3,235,000	3,687,500	3,917,000	3,297,000	3,545,000	3,391,500	3,032,000	3,118,000	3,161,000	-	3,251,000	2,771,000
Income Taxes	-142.9%	-600,000	1,400,000	-273,000	-151,000	1,000	21,000	-133,000	-60,000	-109,500	-57,000	-58,000	161,000	-	1,205,000	225,000
Earnings Before Taxes	-30.6%	-2,895,000	-2,216,000	-781,000	-512,000	25,000	145,000	-374,000	-115,000	-379,000	-172,000	-109,000	682,000	-	1,617,000	419,000
EBT Margin	-1246.6%	-2.39	-0.18	-0.06	-0.04	-0.02	-0.05	-0.07	-0.05	0.00	0.21	0.21	0.20	0.20	-	-
Net Income	37.3%	-2,282,000	-3,641,000	-508,000	-361,000	24,000	124,000	-241,000	-55,000	-269,500	-115,000	-51,000	521,000	424,000	412,000	194,000
Net Income Margin	-1009.2%	-2.53	-0.23	-0.04	-0.03	-0.01	-0.03	-0.05	-0.03	0.01	0.05	0.09	0.10	0.08	-	-
Free Cashflow	-175.2%	-385,000	512,000	251,000	-1,087,000	831,000	1,143,000	1,029,000	-418,000	-8,242,000	10,496,000	1,608,000	-1,085,000	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet												(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2020Q4
Assets	0.5%	558	555	553	552	543	529	536	546	540	541	606	517
Net PPE	-1.1%	5.00	5.00	5.00	5.00	5.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00
Liabilities	0.1%	485	484	479	476	468	453	455	461	449	449	545	457
Shareholder's Equity	3.7%	73.00	70.00	74.00	76.00	75.00	76.00	81.00	85.00	91.00	92.00	60.00	60.00
Retained Earnings	-6.3%	34.00	36.00	40.00	40.00	41.00	41.00	41.00	42.00	42.00	42.00	42.00	42.00
Additional Paid-In Capital	-0.3%	50.00	50.00	50.00	50.00	50.00	51.00	53.00	53.00	53.00	53.00	20.00	20.00
Shares Outstanding	-0.7%	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	6.00	5.00	5.00
Float	-	-	-	39.00	-	-	-	55.00	-	-	-	86.00	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)															(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2
Cashflow From Operations	-175.2%	-385	512	251	-1,087	831	1,143	1,029	-418	-8,242	10,496	1,608	-1,085	-	-	-
Share Based Compensation	-37.5%	20.00	32.00	30.00	47.00	49.00	50.00	50.00	51.00	187	8.00	30.00	21.00	-	-	-
Cashflow From Investing	-820.0%	-12,889	-1,401	-9,214	-5,816	-670	-1,984	-24,885	-27,602	-10,629	-4,892	-26,379	-8,629	-	-	-
Cashflow From Financing	-101.7%	-79.00	4,697	2,743	7,574	12,481	-3,678	-6,509	11,803	-1,182	-64,565	87,107	669	-	-	-
Buy Backs	-14.4%	231	270	-	-129	3,200	-1,995	-	-	-136	171	-70.00	15.00	-	793	231

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BCOW Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($)
$ in Thousands

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Interest and dividend income:

Loans, including fees

$ 17,029

$ 13,584

Securities, taxable

2,685

2,343

Other

1,141

511

Total interest and dividend income

20,855

16,438

Interest expense:

Interest-bearing deposits

6,346

1,116

Borrowed funds

2,193

866

Other interest-bearing funds

Total interest expense

8,544

1,991

Net interest income

12,311

14,447

Provision for credit losses

300

222

Net interest income after provision for credit losses

12,011

14,225

Noninterest income:

Service charges and other fees

925

962

Loan servicing, net

668

695

Net gain on sale of loans

190

310

Net loss on sale of securities

(4,529)

Increase in cash surrender value of insurance

432

424

Unrealized gain (loss) on marketable equity securities

663

(714)

Other

280

Total noninterest income

(1,371)

1,737

Noninterest expense:

Salaries and employee benefits

10,145

10,492

Unrealized gain (loss) on marketable equity securities

663

(714)

Advertising and promotions

163

184

Data processing

886

847

Occupancy and equipment

1,156

1,324

FDIC assessment

245

135

Other

3,786

4,013

Total noninterest expense

17,044

16,281

Loss before income taxes

(6,404)

(319)

Income tax expense (benefit)

388

(171)

Net loss

$ (6,792)

$ (148)

Loss per share:

Basic

$ (1.23)

$ (0.03)

Diluted

^[1],[2]

$ (1.23)

$ (0.03)

Average common shares outstanding:

Basic

5,533,959

5,775,140

Diluted

^[1]

5,533,959

5,775,140

[1]	Diluted loss per share and average shares outstanding excludes all common shares as their effect is anti-dilutive.
[2]	For 2023 and 2022, the effect of the stock options was anti-dilutive due to the net loss and therefore no dilutive shares are included in the weighted average shares outstanding or diluted (loss) calculations.

BCOW Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 11,220	$ 26,029
Fed funds sold	2,030	2,315
Cash and cash equivalents	13,250	28,344
Marketable equity securities, stated at fair value	3,625	2,924
Available-for-sale securities, stated at fair value (amortized cost $119,055 and $130,233)	109,559	114,492
Loans held for sale	704	125
Loans, net of deferred costs	398,568	362,777
Allowance for credit losses for loans	(3,734)	(3,203)
Total loans, net of deferred loan costs and allowance for credit losses	394,834	359,574
Premises and equipment, net	5,182	5,451
Mortgage servicing rights, net	1,720	1,860
Federal Home Loan Bank (FHLB) stock, at cost	4,164	3,429
Accrued interest receivable	1,554	1,257
Cash value of life insurance	14,027	14,316
Other assets	8,988	11,244
TOTAL ASSETS	557,607	543,016
Liabilities and Stockholders' Equity
Deposits	403,683	387,721
Advance payments by borrowers for taxes and insurance	1,233	1,029
FHLB advances	71,007	71,464
Accrued interest payable	1,106	291
Other liabilities	7,817	7,149
TOTAL LIABILITIES	484,846	467,654
Preferred stock, $0.01 par value, 10,000,000 shares authorized at December 31, 2023 and December 31, 2022	0	0
Common stock (par value $0.01 per share) Authorized - 90,000,000 shares at December 31, 2023 and December 31, 2022; Issued - 6,114,183 at December 31, 2023 and 6,236,168 at December 31, 2022 (includes 144,297 and 211,349 unvested shares, respectively); Outstanding - 6,084,665 at December 31, 2023 and 6,206,105 at December 31, 2022 (includes 144,297 and 211,349 unvested shares, respectively)	61	62
Additional paid-in capital	49,778	49,931
Unallocated common stock of Employee Stock Ownership Plan (ESOP), 434,062 and 453,792 shares at December 31, 2023 and December 31, 2022, respectively	(4,120)	(4,307)
Less treasury stock at cost, 29,518 shares at December 31, 2023 and 30,063 shares at December 31, 2022	(295)	(301)
Retained earnings	33,892	41,468
Accumulated other comprehensive loss, net of income taxes	(6,555)	(11,491)
Total stockholders' equity	72,761	75,362
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 557,607	$ 543,016

About 1895 Bancorp of Wisconsin Inc

1895 Bancorp of Wisconsin, Inc. operates as a holding company for PyraMax Bank, FSB that provides a range of financial services to commercial and retail customers. The company offers checking, savings, and certificate of deposits accounts. Its loan products include one- to four-family residential real estate, residential real estate construction, commercial real estate, and land development loans; commercial loans and lines of credit secured by non-real estate business assets; and consumer loans, such as home equity lines of credit, new and used automobile loans, boat loans, recreational vehicle loans, and loans secured by certificates of deposit. It also provides insurance and risk products for personal and business needs. 1895 Bancorp of Wisconsin, Inc. was founded in 1892 and is headquartered in Greenfield, Wisconsin.

CEO	Mr. David R. Ball
WEBSITE	1895bancorpofwisconsin.com
INDUSTRY	Banks Diversified
EMPLOYEES	98

1895 Bancorp of Wisconsin Inc Frequently Asked Questions

What is the ticker symbol for 1895 Bancorp of Wisconsin Inc? What does BCOW stand for in stocks?

BCOW is the stock ticker symbol of 1895 Bancorp of Wisconsin Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of 1895 Bancorp of Wisconsin Inc (BCOW)?

As of Thu May 02 2024, market cap of 1895 Bancorp of Wisconsin Inc is 42.52 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of BCOW stock?

You can check BCOW's fair value in chart for subscribers.

What is the fair value of BCOW stock?

You can check BCOW's fair value in chart for subscribers. The fair value of 1895 Bancorp of Wisconsin Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of 1895 Bancorp of Wisconsin Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for BCOW so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is 1895 Bancorp of Wisconsin Inc a good stock to buy?

The fair value guage provides a quick view whether BCOW is over valued or under valued. Whether 1895 Bancorp of Wisconsin Inc is cheap or expensive depends on the assumptions which impact 1895 Bancorp of Wisconsin Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for BCOW.

What is 1895 Bancorp of Wisconsin Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 02 2024, BCOW's PE ratio (Price to Earnings) is -6.26 and Price to Sales (PS) ratio is 15.84. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. BCOW PE ratio will change depending on the future growth rate expectations of investors.