NasdaqCM:BCOW

Stock Analysis Report

1895 Bancorp of Wisconsin

Executive Summary

1895 Bancorp of Wisconsin, Inc. operates as a holding company for PyraMax Bank, FSB that provides various financial services.

Snowflake

Fundamentals

Flawless balance sheet and overvalued.

Risks

  • 1895 Bancorp of Wisconsin is not covered by any analysts.

Similar Companies

Share Price & News

How has 1895 Bancorp of Wisconsin's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

1.2%

NasdaqCM:BCOW

2.1%

US Mortgage

2.1%

US Market


1 Year Return

n/a

NasdaqCM:BCOW

-0.7%

US Mortgage

-0.04%

US Market

No trading data on BCOW.

No trading data on BCOW.


Share holder returns

BCOWIndustryMarket
7 Day1.2%2.1%2.1%
30 Day0.2%-1.9%-3.2%
90 Day0.5%0.6%2.8%
1 Yearn/a1.4%-0.7%2.2%-0.04%
3 Yearn/a32.9%24.1%41.5%32.3%
5 Yearn/a59.3%42.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is 1895 Bancorp of Wisconsin's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is 1895 Bancorp of Wisconsin undervalued based on future cash flows and its price relative to the stock market?

0.77x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for 1895 Bancorp of Wisconsin to establish if it is available at moderate discount.

Unable to calculate intrinsic value for 1895 Bancorp of Wisconsin to establish if it is available at substantial discount.


Price Based on Earnings

1895 Bancorp of Wisconsin is loss making, we can't compare its value to the US Mortgage industry average.

1895 Bancorp of Wisconsin is loss making, we can't compare the value of its earnings to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for 1895 Bancorp of Wisconsin, we can't assess if its growth is good value.


Price Based on Value of Assets

1895 Bancorp of Wisconsin is good value based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is 1895 Bancorp of Wisconsin expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

9.4%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as 1895 Bancorp of Wisconsin has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has 1895 Bancorp of Wisconsin performed over the past 5 years?

95.2%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

1895 Bancorp of Wisconsin does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.

Unable to compare 1895 Bancorp of Wisconsin's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare 1895 Bancorp of Wisconsin's 1-year growth to the US Mortgage industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if 1895 Bancorp of Wisconsin has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

It is difficult to establish if 1895 Bancorp of Wisconsin has efficiently used its assets last year compared to the US Mortgage industry average (Return on Assets) as it is loss-making.


Return on Capital Employed

It is difficult to establish if 1895 Bancorp of Wisconsin improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is 1895 Bancorp of Wisconsin's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

1895 Bancorp of Wisconsin has an acceptable proportion of non-loan assets held.

1895 Bancorp of Wisconsin has a sufficient allowance for bad loans.

1895 Bancorp of Wisconsin's liabilities are made up of primarily low risk sources of funding.

1895 Bancorp of Wisconsin's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at 1895 Bancorp of Wisconsin are broadly funded by customer deposits.

1895 Bancorp of Wisconsin has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is 1895 Bancorp of Wisconsin's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate 1895 Bancorp of Wisconsin's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate 1895 Bancorp of Wisconsin's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as 1895 Bancorp of Wisconsin has not reported any payouts.

Unable to verify if 1895 Bancorp of Wisconsin's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as 1895 Bancorp of Wisconsin has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of 1895 Bancorp of Wisconsin's salary, the management and board of directors tenure and is there insider trading?

15.1yrs

Average board tenure


CEO

Richard Hurd (67yo)

0.0yrs

Tenure

US$377,631

Compensation

Mr. Richard B. Hurd serves as President, Chief Executive Officer and Director of 1895 Bancorp Of Wisconsin, Inc. Mr. Hurd serves as President and Chief Executive Officer of PyraMax Bank, FSB since 2007. Pr ...


CEO Compensation Analysis

Richard's remuneration is about average for companies of similar size in United States of America.

Richard's compensation has increased whilst company is loss making.


Board Age and Tenure

15.1yrs

Average Tenure

67yo

Average Age

The average tenure for the 1895 Bancorp of Wisconsin board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

More shares have been bought than sold by 1895 Bancorp of Wisconsin individual insiders in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

BuyUS$3,33911 Jun 19
Richard Hurd
EntityIndividual
Role
Chief Executive Officer
President
Shares350
Max PriceUS$9.54
BuyUS$69110 Jun 19
Richard Hurd
EntityIndividual
Role
Chief Executive Officer
President
Shares73
Max PriceUS$9.48
BuyUS$49610 Jun 19
Richard Hurd
EntityIndividual
Role
Chief Executive Officer
President
Shares52
Max PriceUS$9.53
BuyUS$9,40022 May 19
Joseph Murphy
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,000
Max PriceUS$9.40

Ownership Breakdown


Management Team

  • Monica Baker (50yo)

    Senior VP

    • Tenure: 13.6yrs
    • Compensation: US$780.66k
  • Richard Hurd (67yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$377.63k
  • Thomas Peterson (62yo)

    Senior VP & Chief Lending Officer

    • Tenure: 0.0yrs
    • Compensation: US$224.74k
  • Chuck Mauer (60yo)

    Chief Credit Officer

    • Tenure: 9.2yrs
    • Compensation: US$251.41k

Board Members

  • Monica Baker (50yo)

    Senior VP

    • Tenure: 13.6yrs
    • Compensation: US$780.66k
  • Jim Spiegelberg (60yo)

    Director

    • Tenure: 13.6yrs
    • Compensation: US$41.40k
  • Richard Hurd (67yo)

    President

    • Tenure: 0.0yrs
    • Compensation: US$377.63k
  • Joseph Murphy (71yo)

    Director

    • Tenure: 14.6yrs
    • Compensation: US$41.40k
  • John Talsky (70yo)

    Director

    • Tenure: 18.6yrs
    • Compensation: US$41.40k
  • Gary Zenobi (73yo)

    Director

    • Tenure: 27.6yrs
    • Compensation: US$41.40k
  • Darrell Francis (66yo)

    Chairman of the Board

    • Tenure: 0.0yrs
    • Compensation: US$49.20k

Company Information

1895 Bancorp of Wisconsin, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: 1895 Bancorp of Wisconsin, Inc.
  • Ticker: BCOW
  • Exchange: NasdaqCM
  • Founded: 1895
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$44.318m
  • Shares outstanding: 4.70m
  • Website: https://www.1895bancorpofwisconsin.com

Number of Employees


Location

  • 1895 Bancorp of Wisconsin, Inc.
  • 7001 West Edgerton Avenue
  • Greenfield
  • Wisconsin
  • 53220
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BCOWNasdaqCM (Nasdaq Capital Market)YesCommon StockUSUSDJan 2019

Biography

1895 Bancorp of Wisconsin, Inc. operates as a holding company for PyraMax Bank, FSB that provides various financial services. The company accepts non-interest bearing checking, interest bearing checking, m ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 00:46
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.