📊 BCOW Key Takeaways
Investment Thesis
1895 Bancorp is currently unprofitable with negative net income of $981K despite 69.4% revenue growth, indicating operational challenges and poor cost management. The company generates minimal positive free cash flow of $342K while operating at negative margins, suggesting the revenue growth is not translating into sustainable profitability. With a weak balance sheet showing liabilities consuming 87% of assets, the company requires significant operational turnaround before it can be considered investment-grade.
BCOW Strengths
- Strong revenue growth of 69.4% year-over-year demonstrates expanding market presence
- Positive free cash flow of $342K indicates some ability to generate cash despite losses
- Modest debt-to-equity ratio of 0.00x suggests limited financial leverage risk
- Reasonable equity base of $73.2M provides some capital cushion for a small regional bank
BCOW Risks
- Company is unprofitable with negative net margin of -5.4% and negative operating income of -1.5M
- Negative ROE of -1.3% and ROA of -0.2% indicate poor capital efficiency and value destruction
- Negative interest coverage ratio of -0.3x suggests inability to cover interest expenses from operations
- High liability-to-asset ratio of 87% indicates significant financial leverage and limited margin for error
- Deteriorating EPS momentum with -4000% YoY decline signals fundamental business stress
- No insider purchases in last 90 days despite poor fundamentals suggests lack of management confidence
Key Metrics to Watch
- Path to profitability and timeline for positive operating income
- Operating margin expansion as revenue scales
- Non-performing assets and loan loss provisions as percentage of total assets
- Net interest margin trends and deposit growth metrics
- Capital adequacy ratios and regulatory compliance status
BCOW Financial Metrics
💡 AI Analyst Insight
The relatively thin 1.9% FCF margin may limit capital allocation flexibility. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BCOW Profitability Ratios
BCOW vs Default Sector
How 1895 Bancorp of Wisconsin, Inc. /MD/ compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BCOW Balance Sheet & Liquidity
BCOW 5-Year Financial Trend
5-Year Trend Summary: 1895 Bancorp of Wisconsin, Inc. /MD/'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-0.03 indicates the company is currently unprofitable.
BCOW Growth Metrics (YoY)
BCOW Capital Allocation
BCOW SEC Filings
Access official SEC EDGAR filings for 1895 Bancorp of Wisconsin, Inc. /MD/ (CIK: 0001847360)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BCOW
What is the AI rating for BCOW?
1895 Bancorp of Wisconsin, Inc. /MD/ (BCOW) has an AI rating of SELL with 85% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BCOW's key strengths?
Strong revenue growth of 69.4% year-over-year demonstrates expanding market presence. Positive free cash flow of $342K indicates some ability to generate cash despite losses.
What are the risks of investing in BCOW?
Company is unprofitable with negative net margin of -5.4% and negative operating income of -1.5M. Negative ROE of -1.3% and ROA of -0.2% indicate poor capital efficiency and value destruction.
What is BCOW's revenue and growth?
1895 Bancorp of Wisconsin, Inc. /MD/ reported revenue of $18.3M.
Does BCOW pay dividends?
1895 Bancorp of Wisconsin, Inc. /MD/ does not currently pay dividends.
Where can I find BCOW SEC filings?
Official SEC filings for 1895 Bancorp of Wisconsin, Inc. /MD/ (CIK: 0001847360) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BCOW's EPS?
1895 Bancorp of Wisconsin, Inc. /MD/ has a diluted EPS of $-0.18.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.