1895 Bancorp Of Wisconsin, Inc.

Finance
Banks
www.pyramaxbank.com

Earnings Score

Market Cap $54.31M
PE -17
Debt $NaN
Cash $23.11M
EV $NaN
FCF $NaN

Earnings

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Sales & Net Margins

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Earnings	-$3.26M
EBIT	-$4.43M
ROE	-4%
ROA	-1%
Equity	$73.17M
Growth Stability	-2K%
PE	-16.64
PEG	6.47
PB	0.74
Price/Cash	0.43
Earnings CAGR	-3%
Equity CAGR	4%
Earnings Stability	-0.75
Earnings Growth YoY	-96%

Earnings Growth QoQ	-69%
Earnings CAGR 5Y	-3%
Equity CAGR 5Y	4%
Equity CAGR 3Y	-7%
Market Cap	$54.31M
Assets	$564.54M
Cash	$23.11M
Shares Outstanding	5.43M
Earnings Score	6%
Shares Growth 3y	-4%
Equity Growth QoQ	3%
Equity Growth YoY	4%

Assets & ROA

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Stockholders Equity & ROE

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1895 Bancorp of Wisconsin Inc acts as the mutual holding company reorganization of PyraMax Bank, FSB, to become the savings and loan holding company of PyraMax Bank, FSB. Its business consists primarily of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one-to-four family residential real estate loans, commercial real estate loans, commercial loans, and consumer loans.

SEC Filings

Direct access to 1895 Bancorp Of Wisconsin, Inc. (BCOW) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does 1895 Bancorp Of Wisconsin, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of 1895 Bancorp Of Wisconsin, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR -3%

Stability -75%

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1895 Bancorp Of Wisconsin, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for 1895 Bancorp Of Wisconsin, Inc. .

Years

Calculation mode

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
DCF		$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Value	$0

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	-	-	-	-	-
ROA	-	0%	-0%	-1%	-1%
ROE	-	0%	-0%	-9%	-4%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-
Debt over Equity	-	-	-	-	-
Growth Stability	-	-	-	-2K%	-2K%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (-2K%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	-	-	-	-
Earnings YoY growth	-	-94%	-274%	4K%	-3%
Equity YoY growth	-	51%	-17%	-3%	4%
FCF YoY growth	-	-	-	-	-