1895 Bancorp of Wisconsin, Inc. /MD/ (BCOW)
1895 Bancorp of Wisconsin, Inc. operates as a holding company for PyraMax Bank, FSB that provides a range of financial services to commercial and retail customers. It provides checking, savings, certificate of deposits, and money market accounts. The company offers home equity, commercial, residential, and consumer loans; and one-to-four-family mortgages, as well as accept deposits from individual customers and small businesses in the metropolitan. 1895 Bancorp of Wisconsin, Inc. was founded in 1892 and is headquartered in Greenfield, Wisconsin.
Sector: Savings Institutions, Not Federally Chartered
Industry: Banks - Regional
1895 Bancorp of Wisconsin, Inc.
OTC:BCOWFinancial Services · Banks - Regional
-0.53%$18.40
Mkt Cap$109.63M
Float5.01M
O/S5.96M
Inst Own5.2%
SI<0.1%
Dilution
Delisting Issues Timeline
Financials Summary
Revenue$30.29M
Net Income$1.42M
Total Assets$600.02M
Free Cash Flow$3.75M
Debt & Equity
Debt 61%
Equity 39%
Total Debt$112.36M
Total Equity$71.91M
Shares Outstanding
Short Interest
Split History
No splits on record
Nothing in BCOW's public trading history: no forward or reverse split has affected the share count.
Balance Sheet Details
Assets$600.02M
Liabilities$528.11M
Accounts Receivable$1.74M
Accounts Payable$1.43M
Inventory$0
PP&E (Net)$4.8M
Goodwill$0
Intangible Assets$1.5M
Income Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 |
| Revenue | $30.29M | $27.03M | $18.82M | $18.89M | $18.51M | $22.27M | $20.38M | $19.69M | $18.15M | $17.95M | $16.86M | $16.9M | $19.23M |
| YoY Growth | 12.1% | 43.6% | -0.4% | 2.1% | -16.9% | 9.3% | 3.5% | 8.5% | 1.1% | 6.5% | -0.2% | -12.1% | - |
| Cost of Revenue | $12.63M | $12.23M | $8.84M | $2.21M | $1.57M | $3.54M | $3.9M | $4.23M | $3.36M | $2.69M | $0 | $0 | $0 |
| Gross Profit | $17.66M | $14.8M | $9.98M | $16.68M | $16.94M | $18.73M | $16.48M | $15.46M | $14.79M | $15.27M | $16.86M | $0 | $0 |
| Gross Margin | 58.3% | 54.8% | 53.0% | 88.3% | 91.5% | 84.1% | 80.9% | 78.5% | 81.5% | 85.0% | 100.0% | - | - |
| Research and Development | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Selling, General, and Administrative | $10.34M | $10.2M | $10.55M | $10.81M | $10.7M | $9.9M | $9.85M | $10.01M | $9.08M | $8.38M | $0 | $0 | $0 |
| Other | $5.7M | $6.03M | $5.83M | $6.18M | $6.22M | $5.78M | $6.18M | $5.64M | $7.51M | $5.64M | $0 | $0 | $0 |
| Total Operating Expenses | $16.04M | $16.23M | $16.38M | $17M | $16.92M | $15.68M | $16.04M | $15.65M | $16.59M | $14.01M | $0 | $0 | $0 |
| Operating Income (EBIT) | $1.63M | -$1.43M | -$6.4M | -$319K | $21K | $3.05M | $440K | -$196K | -$1.8M | $1.25M | $16.86M | -$3.19M | $1.22M |
| Operating Margin | 5.4% | -5.3% | -34.0% | -1.7% | 0.1% | 13.7% | 2.2% | -1.0% | -9.9% | 7.0% | 100.0% | -18.9% | 6.3% |
| Interest Expense | $12.33M | $11.93M | $8.54M | $1.99M | $1.54M | $3.04M | $4.93M | $4.23M | $3.36M | $2.69M | $490K | $0 | $0 |
| Interest Income | $27.68M | $24.59M | $20.86M | $16.44M | $14.24M | $15.49M | $17.23M | $16.75M | $15.26M | $13.8M | $0 | $0 | $0 |
| Other Income (Expense) | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | -$16.09M | $0 | $0 |
| Income Before Tax (EBT) | $1.63M | -$1.43M | -$6.4M | -$319K | $21K | $3.05M | $440K | -$196K | -$1.8M | $1.25M | $765K | -$3.19M | $1.22M |
| Income Tax Expense | $205K | -$545K | $388K | -$171K | -$64K | $1.74M | -$9K | -$177K | -$3.46M | $0 | $0 | $0 | $0 |
| Net Income | $1.42M | -$881K | -$6.79M | -$148K | $85K | $1.32M | $449K | -$19K | $1.66M | $1.25M | $765K | -$3.19M | $1.22M |
| Net Income Margin | 4.7% | -3.3% | -36.1% | -0.8% | 0.5% | 5.9% | 2.2% | -0.1% | 9.1% | 7.0% | 4.5% | -18.9% | 6.3% |
| Supplementary Data | |||||||||||||
| EPS | 0.28 | -0.16 | -1.23 | -0.03 | 0.01 | 0.28 | 0.10 | -0.01 | 0.52 | 0.39 | 0.12 | -0.50 | 0.19 |
| Diluted EPS | 0.27 | -0.16 | -1.23 | -0.03 | 0.01 | 0.28 | 0.10 | -0.01 | 0.52 | 0.39 | 0.12 | -0.50 | 0.19 |
| Weighted Average OS | 5.13M | 5.45M | 5.53M | 5.78M | 6.37M | 4.64M | 4.70M | 3.20M | 3.20M | 3.20M | 6.42M | 6.42M | 6.42M |
| EBITDA | $2.06M | -$1.43M | -$5.91M | $281K | $675K | $3.71M | $1.14M | $467K | -$1.11M | $1.93M | $765K | -$3.19M | $1.22M |
| EBITDA Margin | 6.8% | -5.3% | -31.4% | 1.5% | 3.6% | 16.7% | 5.6% | 2.4% | -6.1% | 10.7% | 4.5% | -18.9% | 6.3% |
Balance Sheet
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 | FY 2014 | FY 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 | 2015-12-31 | 2014-12-31 | 2013-12-31 |
| Assets | |||||||||||||
| Current Assets | |||||||||||||
| Cash and Cash Equivalents | $16.87M | $8.59M | $11.22M | $26.03M | $65.3M | $87.98M | $11.51M | $7.78M | $12.5M | $7.47M | -$7.19M | $0 | $0 |
| Short-Term Investments | $3.95M | $107.82M | $109.56M | $114.49M | $112.44M | $58.7M | $71.38M | $65.73M | $88.95M | $96.46M | $0 | $0 | $0 |
| Cash and Short-Term Investments | $20.82M | $116.41M | $120.78M | $140.52M | $177.74M | $146.68M | $82.88M | $73.51M | $101.45M | $103.92M | -$7.19M | $0 | $0 |
| Accounts Receivable | $1.74M | $1.67M | $1.55M | $1.26M | $948K | $912K | $963K | $1.11M | $1.21M | $1.16M | $0 | $0 | $0 |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $10.26M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $8.35M | $11.01M | $14.36M |
| Total Current Assets | $22.56M | $10.26M | $122.33M | $141.78M | $178.69M | $147.59M | $83.84M | $74.62M | $102.67M | $105.09M | $8.35M | $11.01M | $14.36M |
| Long-Term Assets | |||||||||||||
| Property, Plant & Equipment Net | $4.8M | $5.02M | $5.18M | $5.45M | $5.86M | $6.28M | $6.68M | $8.16M | $7.66M | $8.93M | $9.12M | $9.49M | $10.7M |
| Goodwill | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Intangible Assets | $1.5M | $1.62M | $1.72M | $1.86M | $2.04M | $1.81M | $2.17M | $2.1M | $2.27M | $2.42M | $0 | $0 | $0 |
| Long-Term Investments | $547.22M | $419.35M | $399.16M | $362.62M | $328.52M | $334.55M | $313.91M | $370.6M | $331.42M | $313M | $2.06M | $2.34M | $3.04M |
| Deferred Tax Assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Assets | $23.95M | -$5.02M | $29.21M | $31.3M | $24.54M | $26.54M | $21.4M | $25.61M | $24.34M | $20.74M | $406.15M | $391.61M | $401.83M |
| Total Long-Term Assets | $577.46M | $454.79M | $435.27M | $401.24M | $360.95M | $369.17M | $344.16M | $406.48M | $365.69M | $345.08M | $417.32M | $403.44M | $415.57M |
| Other Assets | $0 | $562.61M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Assets | $600.02M | $572.87M | $557.61M | $543.02M | $539.64M | $516.76M | $428.01M | $481.1M | $468.36M | $450.17M | $425.67M | $414.45M | $429.93M |
| Liabilities | |||||||||||||
| Current Liabilities | |||||||||||||
| Accounts Payable | $1.43M | $1.21M | $1.11M | $291K | $109K | $183K | $385K | $372K | $340K | $276K | $0 | $0 | $0 |
| Short-Term Debt | $2.08M | $6.06M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Income Tax Payable | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Current Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $346K | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | -$1.43M | $317.85M | $403.68M | $387.72M | $384.5M | $379.85M | $344.25M | $406.14M | $389.29M | $358.88M | $135.81M | $173K | $333K |
| Total Current Liabilities | $2.08M | $323.9M | $404.79M | $388.01M | $384.61M | $380.03M | $344.98M | $406.51M | $389.63M | $359.16M | $135.81M | $173K | $333K |
| Long-Term Liabilities | |||||||||||||
| Long-Term Debt | $110.27M | $85.79M | $71.01M | $71.46M | $55.44M | $68.4M | $17.62M | $30.01M | $34.69M | $48.22M | $31.45M | $22.8M | $41.82M |
| Long-Term Unearned Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Deferred Tax Liabilities | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Long-Term Liabilities | $415.75M | -$85.86M | $9.05M | $8.18M | $8.69M | $8.32M | $6.74M | $6.4M | $5.04M | $5.45M | $221.57M | $355.4M | $350.26M |
| Total Long-Term Liabilities | $526.03M | $102.13M | $80.06M | $79.64M | $64.14M | $76.72M | $24.36M | $36.41M | $39.74M | $53.67M | $253.03M | $378.19M | $392.08M |
| Other Liabilities | $0 | $177.85M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities | $528.11M | $501.76M | $484.85M | $467.65M | $448.75M | $456.75M | $369.34M | $442.92M | $429.37M | $412.83M | $388.84M | $378.37M | $392.42M |
| Stockholders' Equity | |||||||||||||
| Preferred Stock | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Common Stock | $56K | $60K | $61K | $62K | $64K | $49K | $49K | $0 | $0 | $0 | $0 | $0 | $0 |
| Retained Earnings | $34.44M | $33.01M | $33.89M | $41.47M | $41.62M | $41.53M | $40.21M | $39.76M | $39.78M | $37.99M | $0 | $0 | $0 |
| Comprehensive Income & Other | -$4.11M | -$10.95M | -$6.55M | -$11.49M | $142K | $1.14M | $107K | -$1.58M | -$789K | -$653K | $0 | $0 | $0 |
| Other Stockholders' Equity | $37.42M | $38.04M | $38.81M | $33.83M | $49.21M | $18.43M | $18.4M | -$1.58M | -$788K | -$653K | $36.83M | $36.08M | $37.51M |
| Total Equity | $71.91M | $71.11M | $72.76M | $75.36M | $90.89M | $60.01M | $58.66M | $38.18M | $38.99M | $37.34M | $36.83M | $36.08M | $37.51M |
| Minority Interest | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total Liabilities and Equity | $600.02M | $572.87M | $557.61M | $543.02M | $539.64M | $516.76M | $428.01M | $481.1M | $468.36M | $450.17M | $425.67M | $414.45M | $429.93M |
| Supplementary Data | |||||||||||||
| Total Debt | $112.36M | $91.92M | $71.01M | $71.46M | $55.44M | $68.4M | $17.62M | $30.01M | $34.69M | $48.22M | $31.45M | $22.8M | $41.82M |
| Net Debt | $95.49M | $91.92M | $59.79M | $45.44M | -$9.86M | -$19.58M | $6.12M | $22.23M | $22.2M | $40.76M | $38.64M | $22.8M | $41.82M |
Cash Flow Statement
| Period | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Currency | USD | USD | USD | USD | USD | USD | USD | USD | USD | USD |
| Period Ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 | 2017-12-31 | 2016-12-31 |
| Operating Activities | ||||||||||
| Net Income | $1.42M | -$881K | -$6.79M | -$148K | $85K | $1.32M | $449K | -$19K | $1.66M | $1.25M |
| Depreciation & Amortization | $437K | $458K | $492K | $600K | $654K | $661K | $695K | $663K | $691K | $671K |
| Deferred Income Tax | $205K | -$545K | $388K | -$171K | -$64K | $1.65M | $20K | $220K | -$3.55M | $0 |
| Stock-Based Compensation | $765K | $839K | $807K | $563K | $487K | $223K | $71K | $0 | $0 | $0 |
| Changes in Working Capital: | ||||||||||
| Accounts Receivable | -$335K | -$454K | $556K | -$520K | -$174K | -$248K | $1.34M | -$1.46M | -$735K | -$676K |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Payable | $1.93M | $1.65M | $574K | $45K | $1.11M | $322K | -$87K | $533K | $568K | $625K |
| Other Working Capital | $122K | $1.3M | $140K | $176K | $139K | -$3K | -$69K | $167K | $151K | $55K |
| Total Working Capital Change | $1.72M | $1.3M | $1.27M | -$299K | $1.07M | $71K | $1.18M | -$755K | -$16K | $4K |
| Other Non-Cash Items | -$522K | $124K | $3.13M | $2.04M | $542K | -$2.66M | -$1.47M | -$792K | $1.54M | -$247K |
| Net Cash from Operating | $4.02M | $540K | -$709K | $2.58M | $2.78M | $1.27M | $946K | -$683K | $327K | $1.68M |
| Investing Activities | ||||||||||
| Capital Expenditures | -$270K | -$185K | -$812K | -$187K | -$243K | -$288K | -$668K | -$1.19M | -$522K | -$480K |
| Acquisitions | $0 | $0 | $0 | $0 | $100K | $0 | $0 | $0 | $0 | $0 |
| Purchases of Investments | -$16.78M | -$19.5M | -$50.45M | -$37.23M | -$69.1M | -$59.9M | -$13.9M | $0 | -$5.04M | -$44.97M |
| Sales of Investments | $32.26M | $20.67M | $56.92M | $19.01M | $13.46M | $74.73M | $10.31M | $21.87M | $11.93M | $19.86M |
| Other Investing Activities | -$27.39M | -$20.48M | -$34.98M | -$36.73M | $5.25M | -$21.02M | $62.31M | -$37.59M | -$17.95M | $1.13M |
| Net Cash from Investing | -$12.19M | -$19.49M | -$29.32M | -$55.14M | -$50.53M | -$6.48M | $58.05M | -$16.91M | -$11.57M | -$24.46M |
| Financing Activities | ||||||||||
| Debt Repaid | -$20.5M | -$20.79M | $457K | -$16.02M | $12.96M | -$50.77M | $12.39M | $4.68M | $13.53M | -$16.77M |
| Common Stock Issuance | $0 | $82K | $0 | $0 | $35.43M | $0 | $20.03M | $0 | $0 | $0 |
| Common Stock Repurchases | -$4.29M | -$1.23M | -$793K | -$3.25M | -$220K | -$1.05M | $0 | $0 | $0 | $0 |
| Dividends Paid | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other Financing Activities | $4.18M | -$5.35M | $16.18M | $1.33M | -$154K | $36.31M | -$62.85M | $17.7M | $29.5M | $6.59M |
| Net Cash from Financing | $20.39M | $14.29M | $14.94M | $14.1M | $22.1M | $86.03M | -$55.21M | $13.02M | $15.97M | $23.37M |
| Forex Effect | $0 | $4.66M | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Net Change in Cash | $12.23M | -$4.66M | -$15.09M | -$38.46M | -$25.72M | $80.82M | $3.78M | -$4.57M | $4.72M | $587K |
| Supplementary Data | ||||||||||
| Operating Cash Flow | $4.02M | $540K | -$709K | $2.58M | $2.78M | $1.27M | $946K | -$683K | $327K | $1.68M |
| Capital Expenditure | -$270K | -$185K | -$812K | -$187K | -$243K | -$288K | -$668K | -$1.19M | -$522K | -$480K |
| Free Cash Flow | $3.75M | $355K | -$1.52M | $2.4M | $2.53M | $978K | $278K | -$1.87M | -$195K | $1.2M |
| Cash at Beginning | $8.59M | $13.25M | $28.34M | $66.8M | $92.53M | $11.71M | $7.92M | $12.5M | $7.78M | $7.19M |
| Cash at End | $20.82M | $8.59M | $13.25M | $28.34M | $66.8M | $92.53M | $11.71M | $7.92M | $12.5M | $7.78M |