📊 BCOW Key Takeaways
Is 1895 Bancorp of Wisconsin, Inc. /MD/ (BCOW) a Good Investment?
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.
1895 Bancorp of Wisconsin shows strong top-line growth, but that growth is not translating into sustainable profitability, with negative operating income, negative net income, and weak returns on assets and equity. Financial health appears adequate from an equity-capital perspective, but the combination of thin cash generation and continued losses makes the current fundamental profile fragile rather than improving in a high-quality way.
Why Buy 1895 Bancorp of Wisconsin, Inc. /MD/ Stock? BCOW 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
- 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
- Revenue grew 69.4% year over year, indicating meaningful expansion in the latest period
- Balance sheet equity of $73.17M against $564.54M in assets provides a reasonable capital buffer
- Operating cash flow remained positive, suggesting the business is still generating some internal cash despite losses
BCOW Stock Risks: 1895 Bancorp of Wisconsin, Inc. /MD/ Investment 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
- Profitability remains weak, with negative operating margin, negative net margin, and negative returns on assets and equity
- Earnings quality is questionable because strong revenue growth did not convert into bottom-line improvement
- Interest coverage is negative, indicating earnings are not currently supporting financing-related obligations well
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
- Net interest margin and efficiency ratio improvement
- Return to sustained positive net income and stronger operating cash flow
1895 Bancorp of Wisconsin, Inc. /MD/ (BCOW) Financial Metrics & Key Ratios
💡 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 Profit Margin, ROE & Profitability Analysis
BCOW vs Finance Sector: How 1895 Bancorp of Wisconsin, Inc. /MD/ Compares
How 1895 Bancorp of Wisconsin, Inc. /MD/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is 1895 Bancorp of Wisconsin, Inc. /MD/ Stock Overvalued? BCOW Valuation Analysis 2026
Based on fundamental analysis, 1895 Bancorp of Wisconsin, Inc. /MD/ has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
1895 Bancorp of Wisconsin, Inc. /MD/ Balance Sheet: BCOW Debt, Cash & Liquidity
BCOW Revenue & Earnings Growth: 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 Revenue Growth, EPS Growth & YoY Performance
1895 Bancorp of Wisconsin, Inc. /MD/ Dividends, Buybacks & Capital Allocation
BCOW SEC Filings: Latest 10-K & 10-Q Analysis
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 a Combined AI Rating of SELL from Claude (SELL) and ChatGPT (SELL) with 80% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BCOW's key strengths?
Claude: 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. ChatGPT: Revenue grew 69.4% year over year, indicating meaningful expansion in the latest period. Balance sheet equity of $73.17M against $564.54M in assets provides a reasonable capital buffer.
What are the risks of investing in BCOW?
Claude: 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. ChatGPT: Profitability remains weak, with negative operating margin, negative net margin, and negative returns on assets and equity. Earnings quality is questionable because strong revenue growth did not convert into bottom-line improvement.
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?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BCOW a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, 1895 Bancorp of Wisconsin, Inc. /MD/ has a SELL rating with 80% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is BCOW stock overvalued or undervalued?
Valuation metrics for BCOW: ROE of -1.3% (sector avg: 12%), net margin of -5.4% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BCOW stock in 2026?
Our dual AI analysis gives 1895 Bancorp of Wisconsin, Inc. /MD/ a combined SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BCOW's free cash flow?
1895 Bancorp of Wisconsin, Inc. /MD/'s operating cash flow is $342.0K, with capital expenditures of N/A. FCF margin is 1.9%.
How does BCOW compare to other Finance stocks?
Vs Finance sector averages: Net margin -5.4% (avg: 25%), ROE -1.3% (avg: 12%), current ratio N/A (avg: 1.2).