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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

P/E

-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.

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