1895 Bancorp of Wisconsin, Inc. /MD/

BCOW

1895 Bancorp of Wisconsin, Inc. /MD/

BCOW

Insider Sentiment (TTM):

Last Purchase:2024-06-06Last Sale:2022-09-14Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2024-12-31Institutional Shares Owned:1,587,292Shares Outstanding:5,433,940Institutional Ownership Pct.:29.21%

Earnings Market Reaction:

Filing Date:2024-11-08Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in Savings Institutions, Not Federally Chartered

FLG BBT HFWA NBBK SMBC TCBX

1895 Bancorp of Wisconsin, Inc. /MD/ (BCOW) — SEC Financial Statements & Analysis

1895 Bancorp of Wisconsin, Inc. /MD/ (BCOW) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31
Assets
Cash And Due From Banks	23	15	14	11	23	19	25	26	13	19	46	65
Federal Funds Sold	3	2	9	2	3	4	4	2	3	1	4	2
Cash Cash Equivalents And Federal Funds Sold	26	17	23	13	27	23	29	28	16	20	51	67
Equity Securities Fv Ni	4	4	4	4	3	3	3	3	3	3	3	4
Available For Sale Securities Debt Securities	100	103	106	110	105	108	113	114	118	127	133	112
Loans Receivable Held For Sale Amount	1	2	1	1	0	-	-	0	0	0	1	1
Loans And Leases Receivable Allowance	-	-	-4	-4	-4	-4	-4	-3	-3	-3	-3	-
Financing Receivable Allowance For Credit Losses	-4	-4	-	-	-4	-4	-	-	-	-	-	-
Notes Receivable Net	398	399	393	395	383	381	367	360	355	350	324	324
Property Plant And Equipment Net	5	5	5	5	5	5	5	5	6	6	6	6
Federal Home Loan Bank Stock	5	5	5	4	5	5	5	3	3	3	3	3
Interest Receivable	1	2	2	2	1	1	1	1	1	1	1	1
Cash Surrender Value Of Life Insurance	14	14	14	14	14	14	14	14	14	14	14	14
Other Assets	9	10	10	9	10	12	12	11	11	10	9	6
Assets	565	561	564	558	555	553	552	543	529	536	546	540
Liabilities And Stockhold…
Deposits	395	399	399	404	387	371	372	388	379	383	391	385
Advance Payments By Borrowers For Taxes And Insura…	10	7	4	1	10	8	4	1	10	8	5	2
Advances From Federal Home Loan Banks	76	75	80	71	78	91	92	71	57	57	58	55
Interest Payable Current And Noncurrent	1	1	1	1	1	1	0	0	0	0	0	0
Other Liabilities	9	9	8	8	8	8	7	7	7	6	7	7
Liabilities	491	490	493	485	484	479	476	468	453	455	461	449
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	49	49	49	50	50	50	50	50	51	53	53	53
Treasury Stock Value	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0
Retained Earnings Accumulated Deficit	33	33	34	34	36	40	40	41	41	41	42	42
Accumulated Other Comprehensive Income Loss Net Of…	-5	-7	-7	-7	-12	-11	-10	-11	-12	-9	-5	0
Stockholders Equity	73	71	72	73	70	74	76	75	76	81	85	91
Liabilities And Stockholders Equity	565	561	564	558	555	553	552	543	529	536	546	540
Debt Securities Available For Sale Amortized Cost …	107	113	117	119	-	-	-	130	-	-	-	-
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Preferred Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Par Or Stated Value Per Share	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Common Stock Shares Authorized	90	90	90	90	90	90	90	90	90	90	90	90
Common Stock Shares Issued	6	6	6	6	6	6	6	6	6	6	6	6
Shares Outstanding	6	6	6	6	6	6	6	6	6	6	6	6
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	0
Share Based Compensation Arrangement By Share Base…	0	0	0	0	0	0	0	0	0	0	0	0

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2024	2.67%	15.05%	28.69%	1.35%	14.19%	13.97%	0.50%	0.10%	0.50%	-	-	-
2023	4.31%	16.96%	23.51%	-2.03%	-4.66%	-15.54%	-1.87%	8.88%	28.50%	-	-	-
2022	0.10%	3.02%	0.30%	-1.91%	2.52%	-0.93%	-1.76%	-1.96%	-2.54%	-9.88%	-15.40%	-4.57%
2021	-	-	-	-	-	-	-3.93%	-1.96%	2.59%	-2.00%	-9.91%	-10.09%
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Performance and Valuation Metrics

Metrics	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31
Leverage & Debt
Interest Coverage TTM	0.11	0.44	0.37	0.25	0.48	0.76	0.77	0.84	0.98	0.81	0.95	-
Per Share Metrics
Diluted EPS TTM	-0.60	-1.24	-1.23	-1.23	-0.81	-0.13	-0.08	-0.03	0.01	-0.03	0.01	-
Free Cash Flow Per Share TTM	-0.01	-0.20	-0.00	-0.13	0.09	0.21	0.35	0.45	-1.12	0.49	0.40	-
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-
Margin Metrics
Gross Profit Margin TTM	51.17%	52.36%	54.74%	59.03%	65.79%	74.71%	81.89%	87.89%	90.10%	89.86%	89.64%	-
Operating Profit Margin TTM	-18.46%	-26.50%	-28.40%	-30.71%	-17.71%	-6.03%	-4.15%	-1.94%	-0.22%	-1.96%	-0.52%	-
Net Profit Margin TTM	-13.59%	-28.87%	-30.38%	-32.57%	-22.81%	-3.87%	-2.63%	-0.90%	0.41%	-0.88%	0.17%	-
Growth Metrics
Net Revenue Growth (1Y)	22.06%	25.51%	28.45%	26.87%	2.37%	1.83%	-4.75%	-	-	-	-	-
Net Income Growth (1Y)	-27.26%	835.51%	1,383.92%	4,489.19%	-5,778.48%	350.62%	-1,613.33%	-	-	-	-	-
EPS Growth (1Y)	-25.91%	852.31%	1,402.33%	4,689.20%	-6,061.11%	374.82%	-1,705.87%	-	-	-	-	-
Valuation Metrics
P/E TTM	-16.82	-6.61	-5.54	-5.70	-8.70	-57.61	-98.03	-390.21	764.89	-374.32	2,124.42	-
P/B	0.75	0.63	0.52	0.53	0.56	0.56	0.59	0.77	0.80	0.74	0.75	0.72
P/S TTM	2.29	1.91	1.68	1.85	1.99	2.23	2.58	3.51	3.14	3.28	3.52	-
Market Cap	54.88M	44.56M	37.29M	38.68M	39.05M	41.53M	44.51M	57.75M	60.43M	59.89M	63.73M	65.80M
Enterprise Value	31.77M	29.38M	23.26M	27.46M	15.81M	22.75M	19.85M	31.72M	47.42M	40.79M	17.64M	498.33K
Calculated Values
Free Cash Flow TTM	-43.00K	-1.07M	-20.00K	-709.00K	507.00K	1.14M	1.92M	2.59M	-6.49M	2.87M	2.36M	-
Net Debt	-23.11M	-15.18M	-14.03M	-11.22M	-23.24M	-18.78M	-24.66M	-26.03M	-13.00M	-19.10M	-46.09M	-65.30M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2024-06-06Purchase

Owner: Harris, Clarence

Title: -

Shares: 3

Price/Share: $7.32

Value: $21.96

Shares Owned: 1,100

Relationship: Director

Ownership: Direct

2024-05-31Purchase

Owner: Harris, Clarence

Title: -

Shares: 97

Price/Share: $7.30

Value: $708.10

Shares Owned: 1,097

Relationship: Director

Ownership: Direct

2024-05-31Purchase

Owner: Hill, Kristina

Title: -

Shares: 2,000

Price/Share: $7.44

Value: $14,880.00

Shares Owned: 2,000

Relationship: Director

Ownership: Indirect

2024-05-30Purchase

Owner: Harris, Clarence

Title: -

Shares: 983

Price/Share: $7.34

Value: $7,215.22

Shares Owned: 1,000

Relationship: Director

Ownership: Direct

2023-12-01Purchase

Owner: Klitzing, Steven T.

Title: SVP and CFO

Shares: 300

Price/Share: $6.25

Value: $1,875.00

Shares Owned: 25,071

Relationship: Officer

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2024-06-06	Harris, Clarence	Director	-	Direct	Purchase	3	7.32	$21.96	1,100	4
2024-05-31	Harris, Clarence	Director	-	Direct	Purchase	97	7.30	$708.10	1,097	4
2024-05-31	Hill, Kristina	Director	-	Indirect	Purchase	2,000	7.44	$14,880.00	2,000	4
2024-05-30	Harris, Clarence	Director	-	Direct	Purchase	983	7.34	$7,215.22	1,000	4
2023-12-01	Klitzing, Steven T.	Officer	SVP and CFO	Direct	Purchase	300	6.25	$1,875.00	25,071	4
2023-11-17	Zenobi, Gary	Director	-	Direct	Purchase	100	6.37	$637.00	13,461	4
2023-11-13	Ball, David R	Director,Officer	President and CEO	Direct	Purchase	800	6.30	$5,040.00	49,268	4
2023-05-19	Ball, David R	Director,Officer	President and CEO	Direct	Purchase	687	6.95	$4,774.65	48,468	4
2023-05-18	Klitzing, Steven T.	Officer	SVP and CFO	Direct	Purchase	1,000	6.77	$6,770.00	24,771	4
2023-05-17	Ball, David R	Director,Officer	President and CEO	Direct	Purchase	58	6.55	$379.90	47,778	4
2023-05-16	Ball, David R	Director,Officer	President and CEO	Direct	Purchase	1,110	6.34	$7,036.83	47,720	4
2022-12-20	Ball, David R	Director,Officer	President and CEO	Direct	Purchase	3	9.90	$29.70	47,945	4
2022-12-12	Ball, David R	Director,Officer	President and CEO	Direct	Purchase	500	10.00	$5,000.00	47,920	4
2022-12-09	Ball, David R	Director,Officer	President and CEO	Direct	Purchase	1	10.00	$10.00	47,420	4
2022-11-28	Ball, David R	Director,Officer	President and CEO	Direct	Purchase	254	10.01	$2,542.54	46,620	4
2022-11-18	Ball, David R	Director,Officer	President and CEO	Direct	Purchase	722	10.15	$7,328.30	46,342	4
2022-09-14	Murphy, Joseph G.	Director	-	Direct	Sale	1,000	10.14	$10,140.00	12,361	4
2022-09-02	Klitzing, Steven T.	Officer	SVP and CFO	Direct	Purchase	500	9.91	$4,955.00	8,771	4
2021-11-23	Klitzing, Steven T.	Officer	SVP and CFO	Direct	Purchase	900	11.03	$9,927.00	900	4
2021-11-09	Peterson, Thomas K.	Officer	SVP and CLO	Direct	Sale	1,210	11.20	$13,552.00	8,950	4
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Institutional Ownership

No data available for chart

2024-12-31

29.21%

Inst. Shares: 1,587,292

Shares Outstanding: 5,433,940

2024-09-30

29.10%

Inst. Shares: 1,581,267

Shares Outstanding: 5,433,940

2024-06-30

29.21%

Inst. Shares: 1,591,256

Shares Outstanding: 5,447,507

2024-03-31

29.33%

Inst. Shares: 1,603,453

Shares Outstanding: 5,467,653

2023-12-31

28.79%

Inst. Shares: 1,593,165

Shares Outstanding: 5,533,959

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2024-12-31	1,587,292	5,433,940	29.21%
2024-09-30	1,581,267	5,433,940	29.10%
2024-06-30	1,591,256	5,447,507	29.21%
2024-03-31	1,603,453	5,467,653	29.33%
2023-12-31	1,593,165	5,533,959	28.79%
2023-09-30	1,610,836	5,534,711	29.10%
2023-06-30	1,548,113	5,545,335	27.92%
2023-03-31	1,565,131	5,535,489	28.27%
2022-12-31	1,477,504	5,775,140	25.58%
2022-09-30	1,601,887	5,810,185	27.57%
2022-06-30	1,458,856	5,843,104	24.97%
2022-03-31	1,412,524	5,873,964	24.05%
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1895 Bancorp of Wisconsin, Inc. /MD/ (BCOW) — SEC Financial Statements & Analysis

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