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1895 Bancorp of Wisconsin BCOW
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Quarterly report 2024-Q3
added 05-16-2026

1895 Bancorp of Wisconsin Financial Ratios 2023-2011 | BCOW

Brief overview of 1895 Bancorp of Wisconsin's valuation and returns

The comparison uses the five latest available annual observations between 2019 and 2023.

The current valuation set is P/E 774.11x (median 125.23x), P/B 0.52x (median 0.66x), P/CF 19.32x (median 25.72x). On average, this basket is 21.7% below its own five-year medians. The market values the business at a discount to recent history.

The inverse P/E implies an earnings yield of 0.1%. This is not a dividend yield, but current earnings relative to market price.

Capital efficiency is characterized by ROE -9.3%, ROA -1.2%. Current return ratios are negative, materially weakening the fundamental profile.

Price, earnings and growth produce a PEG of 0.17x. A value below one indicates moderate pricing relative to expected growth.

Financial-company multiples cannot be compared directly with industrial businesses; P/B and sustainable capital returns remain central.

What the ratios show

1895 Bancorp of Wisconsin's valuation is lower, but weak quality metrics call for caution. Recovery in earnings and capital returns is the key catalyst.

Annual Financial Ratios 1895 Bancorp of Wisconsin

2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
-5.6 -337.5 774.1 26.7 125.2 -1591.8 - - - - - - -

P/S

- - - 2.3 3.6 2.0 - - - - - - -

EPS

-1.2 -0.0 0.0 0.3 - - - - - - - - -

EV (Enterprise Value)

523 M 518 M 515 M 492 M 426 M 473 M 429 M 413 M - - - - -

EBITDA per Share

0.09 0.1 0.11 0.14 - - - - - - - - -

EV/EBITDA

1062.2 862.7 786.8 744.1 - - - - - - - - -

PEG

- - - 0.17 0.07 15.74 - - - - - - -

P/B

0.5 0.7 0.7 0.6 1.0 0.8 - - - - - - -

P/CF

-53.2 19.3 23.7 27.8 202.3 -16.2 - - - - - - -

ROE %

-9.33 -0.20 0.09 2.19 0.77 -0.05 - - - - - - -

ROA %

-1.22 -0.03 0.02 0.25 0.10 -0.00 - - - - - - -

Current Ratio

1.2 1.2 1.2 1.1 - - - - - - - - -

DSO

- - - 10.8 22.6 26.1 - - - - - - -

Operating Cycle

- - - 10.8 - - - - - - - - -

Cash Conversion Cycle

- - - 10.8 - - - - - - - - -

All numbers in USD currency

Quarterly Financial Ratios 1895 Bancorp of Wisconsin

2024-Q3 2024-Q2 2024-Q1 2023-Q4 2023-Q3 2023-Q2 2023-Q1 2022-Q4 2022-Q3 2022-Q2 2022-Q1 2021-Q4 2021-Q3 2021-Q2 2021-Q1 2020-Q4 2020-Q3 2020-Q2 2020-Q1 2019-Q4 2019-Q3 2019-Q2 2019-Q1 2018-Q4 2018-Q3 2018-Q2 2018-Q1 2017-Q4 2017-Q3 2017-Q2 2017-Q1 2016-Q4 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2 2014-Q1 2013-Q4 2013-Q3 2013-Q2 2013-Q1 2012-Q4 2012-Q3 2012-Q2 2012-Q1 2011-Q4 2011-Q3 2011-Q2 2011-Q1

EPS

-0.03 -0.09 -0.06 - -0.66 -0.09 -0.07 - 0.02 -0.04 -0.01 - -0.02 -0.01 0.11 - 0.09 0.04 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

EBITDA per Share

0.06 0.04 0.02 - 0.07 0.05 0.02 - 0.08 0.05 0.03 - 0.08 0.07 0.04 - 0.11 0.07 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROE %

-6.56 -7.03 -6.78 -6.35 -6.19 -1.29 -0.67 -0.20 -0.32 -0.57 0.59 0.66 1.35 1.79 2.37 1.50 0.69 0.32 0.49 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

ROA %

-0.83 -0.89 -0.87 -0.81 -0.79 -0.18 -0.10 -0.03 -0.05 -0.08 0.04 0.05 0.09 -0.01 - - 0.08 0.04 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Current Ratio

1.1 1.1 1.1 1.1 1.1 1.1 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.1 - 1.1 1.1 1.1 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -

All numbers in USD currency

Multiples are an important financial analysis tool for the company 1895 Bancorp of Wisconsin, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.

Advantages of Using Financial Ratios
  • Simplified Data Analysis
    Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition.
  • Comparability Between Companies
    Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations.
  • Identification of Trends and Issues
    Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks.
  • Decision Support
    Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions.
  • Accelerated Assessment of Investment Attractiveness
    Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.

Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.

Financial Ratios of other stocks in the Banks regional industry

Issuer Price % 24h Market Cap Country
HV Bancorp HV Bancorp
HVBC
- 2.06 % $ 77.4 M usaUSA
Independent Bank Group Independent Bank Group
IBTX
- 0.46 % $ 2.5 B usaUSA
The First of Long Island Corporation The First of Long Island Corporation
FLIC
- 0.25 % $ 268 M usaUSA
Pacific Premier Bancorp Pacific Premier Bancorp
PPBI
- - $ 2.32 B usaUSA
ESSA Bancorp ESSA Bancorp
ESSA
- - $ 196 M usaUSA
First Financial Northwest First Financial Northwest
FFNW
- -1.23 % $ 206 M usaUSA
Atlantic Capital Bancshares Atlantic Capital Bancshares
ACBI
- -1.48 % $ 566 M usaUSA
Oconee Federal Financial Corp. Oconee Federal Financial Corp.
OFED
- - $ 75.8 M usaUSA
Washington Federal Washington Federal
WAFD
$ 29.43 -0.86 % $ 2.36 B usaUSA
Citizens Financial Group Citizens Financial Group
CFG
$ 64.82 -0.43 % $ 28.1 B usaUSA
Valley National Bancorp Valley National Bancorp
VLY
$ 14.31 0.03 % $ 8.01 B usaUSA
FB Financial Corporation FB Financial Corporation
FBK
$ 54.89 -0.07 % $ 2.73 B usaUSA
First Community Corporation First Community Corporation
FCCO
$ 32.86 -0.76 % $ 252 M usaUSA
Banco Macro S.A. Banco Macro S.A.
BMA
$ 57.78 -1.13 % $ 36.9 B argentinaArgentina
Banco Santander (Brasil) S.A. Banco Santander (Brasil) S.A.
BSBR
$ 4.95 0.81 % $ 18.4 B brasilBrasil
Commerce Bancshares Commerce Bancshares
CBSH
$ 56.01 -0.04 % $ 7.93 B usaUSA
CB Financial Services CB Financial Services
CBFV
$ 39.73 -3.58 % $ 200 M usaUSA
First Seacoast Bancorp First Seacoast Bancorp
FSEA
$ 17.25 0.06 % $ 99.5 M usaUSA
Business First Bancshares Business First Bancshares
BFST
$ 32.74 -0.15 % $ 962 M usaUSA
BankUnited BankUnited
BKU
$ 44.12 -0.29 % $ 3.26 B usaUSA
Bank of Marin Bancorp Bank of Marin Bancorp
BMRC
$ 28.59 -0.56 % $ 456 M usaUSA
Great Southern Bancorp Great Southern Bancorp
GSBC
$ 81.8 -0.18 % $ 932 M usaUSA
Home Bancshares (Conway, AR) Home Bancshares (Conway, AR)
HOMB
$ 30.24 0.22 % $ 5.97 B usaUSA
Columbia Financial Columbia Financial
CLBK
$ 11.33 0.22 % $ 1.15 B usaUSA
Bankwell Financial Group Bankwell Financial Group
BWFG
$ 70.83 0.3 % $ 549 M usaUSA
Fulton Financial Corporation Fulton Financial Corporation
FULT
$ 24.0 -0.56 % $ 4.36 B usaUSA
Bank OZK Bank OZK
OZK
$ 50.78 -0.79 % $ 6.57 B usaUSA
First Guaranty Bancshares First Guaranty Bancshares
FGBI
$ 12.98 5.36 % $ 182 M usaUSA
First Business Financial Services First Business Financial Services
FBIZ
$ 75.24 -0.75 % $ 614 M usaUSA
First Mid Bancshares First Mid Bancshares
FMBH
$ 51.32 -0.35 % $ 1.23 B usaUSA
The First Bancorp The First Bancorp
FNLC
$ 36.64 -1.19 % $ 406 M usaUSA
Franklin Financial Services Corporation Franklin Financial Services Corporation
FRAF
$ 69.63 -0.9 % $ 311 M usaUSA
First Merchants Corporation First Merchants Corporation
FRME
$ 41.2 -0.56 % $ 2.37 B usaUSA
Ameris Bancorp Ameris Bancorp
ABCB
$ 83.01 -0.2 % $ 5.68 B usaUSA
First US Bancshares First US Bancshares
FUSB
$ 16.45 -0.12 % $ 95.8 M usaUSA
AmeriServ Financial AmeriServ Financial
ASRV
$ 4.74 0.21 % $ 78.3 M usaUSA
Mercantile Bank Corporation Mercantile Bank Corporation
MBWM
$ 61.36 -0.44 % $ 996 M usaUSA
Banco Bradesco S.A. Banco Bradesco S.A.
BBDO
$ 2.37 -2.87 % $ 28 B brasilBrasil
Associated Banc-Corp Associated Banc-Corp
ASB
$ 30.92 0.1 % $ 5.1 B usaUSA
First Horizon Corporation First Horizon Corporation
FHN
$ 23.56 0.11 % $ 11.9 B usaUSA
Farmers National Banc Corp. Farmers National Banc Corp.
FMNB
$ 15.63 -0.13 % $ 585 M usaUSA
Equity Bancshares Equity Bancshares
EQBK
$ 49.26 -0.22 % $ 901 M usaUSA
Sierra Bancorp Sierra Bancorp
BSRR
$ 42.1 0.43 % $ 568 M usaUSA
F.N.B. Corporation F.N.B. Corporation
FNB
$ 18.24 0.05 % $ 6.58 B usaUSA
Hope Bancorp Hope Bancorp
HOPE
$ 13.23 -0.97 % $ 1.67 B usaUSA
Meta Financial Group Meta Financial Group
CASH
$ 75.11 -1.88 % $ 1.76 B usaUSA
Banc of California Banc of California
BANC
$ 18.0 -0.66 % $ 2.88 B usaUSA
BOK Financial Corporation BOK Financial Corporation
BOKF
$ 131.22 -0.19 % $ 8.22 B usaUSA
ChoiceOne Financial Services ChoiceOne Financial Services
COFS
$ 36.71 -1.57 % $ 512 M usaUSA
Greene County Bancorp Greene County Bancorp
GCBC
$ 35.9 -1.43 % $ 611 M usaUSA