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1895 Bancorp of Wisconsin, Inc. /MD/

BCOW

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30 Metrics

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Health

Poor

Bearish

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Analytical Summary

1895 Bancorp of Wisconsin, Inc. /MD/ faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap —

Dividend Yield —

Revenue Growth -32.4% ↘

Op. Margin -58.5% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book —

FCF Yield —

Debt / Equity —

info Valuation on last close.

5-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$10.94M

↓ -32.4% —

Net Income Profit after all expenses

$-6.79M

↓ -4489.2% —

Operating Margin Operating profit as % of sales

-58.5%

↓ -2869.8% 5th

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Financial view

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📈 Is growth accelerating? 5 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue Growth YoY (%)	-32.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-640%)	-4.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-177%)	-11.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-296%)	—	—
EPS Growth YoY (%)	-4000.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	-96.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-4489.2% Weak Weak Year-over-year change in net income	N/M	-93.5% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-17.1% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Operating Margin (%) (%)	-58.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-334%)	-2.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	0.1% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	15.9% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	—
Effective Tax Rate (%) (%)	-6.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	53.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-304.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	56.9% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	-62.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-382%)	-0.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-104%)	0.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	6.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-9.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-178%)	-0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	0.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	2.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Revenue per Share (USD)	$1.98	$2.80	$2.83	$4.14	—
Basic EPS, GAAP (USD)	$-1.23	$-0.03	$0.01	$0.28	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$11.96	$12.14	$14.26	$12.41	—
Tangible Book Value per Share (USD)	$11.96	$12.14	$14.26	$12.41	—
Basic Weighted Avg Shares (shares)	5.53M	5.78M	5.99M	4.64M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$72.76M	$75.36M	$90.89M	$60.01M	$58.66M

📋 What is driving earnings? 4 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Sales/Revenue/Turnover (USD)	$10.94M	$16.18M	$16.97M	$19.23M	—
Depreciation Expense (USD)	$492.00K	$600.00K	$654.00K	$661.00K	—
Net Income, GAAP (USD)	$-6.79M	$-148.00K	$85.00K	$1.32M	—
Operating Cash Flow (USD)	$-709.00K	$2.58M	$2.78M	$1.27M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗
Net Interest Margin (approx.) (%)	2.2%	2.7%	2.4%	2.4%	—
Efficiency Ratio (%) (%)	155.8%	100.6%	99.7%	81.5%	—

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Synced yesterday 5 years · 20 quarters

1895 Bancorp of Wisconsin, Inc. /MD/

Analytical Summary

5-Year Financial Trajectory

Bullish Indicators

Bearish Risks

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