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BCOW · OTC · United States · Savings Institutions, Not Federally Chartered
In short1895 Bancorp of Wisconsin, Inc. /MD/ is loss-making.
Financial health
Mixed
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | – | n/a |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | -9.2% | 0/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | – | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | – | n/a |
| Years with positive free cash flow (last 5) | 3 of 4 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 2 of 4 | 50/100 |
|---|---|---|
| Years of revenue decline (last 5) | – | n/a |
| Revenue growth volatility | – | n/a |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
Fiscal year 2023 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
No data reported.
No data reported.
The last 4 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY20 | FY21 | FY22 | FY23 |
|---|---|---|---|---|
| Interest expense | 3 | 1.5 | 2 | 8.5 |
| Pre-tax income | 3.1 | 0 | (0.3) | (6.4) |
| Income tax | 1.7 | (0.1) | (0.2) | 0.4 |
| Net income | 1.3 | 0.1 | (0.1) | (6.8) |
| Diluted EPS | $0.28 | $0.01 | −$0.03 | −$1.23 |
| Diluted shares (millions) | 4.7 | 6.2 | 5.8 | 5.5 |
Not computed: the model does not apply to banks and insurers.
Not computed: it needs two consecutive complete years.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Sep 30, 2024 · Data updated Nov 8, 2024