1895 Of Financials

BCOW Stock  USD 10.00  0.00  0.00%   
1895 of Wisconsin is not in a good financial situation at this time. It has a very high probability of going through financial hardship in January. At this time, 1895 Of's Short and Long Term Debt is fairly stable compared to the past year. Non Current Liabilities Other is likely to climb to about 92.6 M in 2024, whereas Short and Long Term Debt Total is likely to drop slightly above 52.3 M in 2024. Key indicators impacting 1895 Of's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.920.77
Fairly Up
Very volatile
Current Ratio88.7693.43
Notably Down
Slightly volatile
Investors should never underestimate 1895 Of's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor 1895 Of's cash flow, debt, and profitability to make informed and accurate decisions about investing in 1895 of Wisconsin.

Net Income

(6.45 Million)

1.7M-19.0K449.0K1.3M85.0K-148.0K-6.8M-6.5M100%
  
Understanding current and past 1895 Of Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of 1895 Of's financial statements are interrelated, with each one affecting the others. For example, an increase in 1895 Of's assets may result in an increase in income on the income statement.
Please note, the imprecision that can be found in 1895 Of's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of 1895 of Wisconsin. Check 1895 Of's Beneish M Score to see the likelihood of 1895 Of's management manipulating its earnings.

1895 Of Stock Summary

1895 Of competes with Absa Group, Aozora Bank, SVB T, First Capital, and Pioneer Bankcorp. 1895 Bancorp of Wisconsin, Inc. operates as a holding company for PyraMax Bank, FSB that provides a range of financial services. The company operates through a network of three full-service banking offices in Milwaukee County, two full-service banking offices in Waukesha County, and one full service banking office in Ozaukee County, Wisconsin. 1895 Bancorp of Wisconsin, Inc. was founded in 1895 and is headquartered in Greenfield, Wisconsin. 1895 Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 107 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS28253R1059
CUSIP28253R105 28252W105
LocationWisconsin; U.S.A
Business Address7001 West Edgerton
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.1895bancorpofwisconsin.com
Phone414 421 8200
CurrencyUSD - US Dollar

1895 Of Key Financial Ratios

1895 Of Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets428.0M516.8M539.6M543.0M557.6M539.0M
Other Current Liab(385K)(183K)8.3M12.9M(1.1M)(1.1M)
Net Debt6.1M(19.6M)(11.4M)45.4M59.8M62.8M
Cash11.5M88.0M66.8M26.0M11.2M10.7M
Other Current Assets12.7M93.4M67.8M29.6M14.8M14.1M
Total Liab369.3M456.7M448.7M467.7M484.8M476.8M
Total Current Assets83.8M147.6M180.2M30.2M14.8M14.1M
Other Liab6.7M8.3M8.8M7.7M8.9M7.6M
Net Tangible Assets58.7M60.0M90.9M75.4M86.7M62.8M
Retained Earnings40.2M41.5M41.6M41.5M33.9M31.6M
Accounts Payable385K183K109K291K1.1M1.2M
Other Assets263.9M299.4M239.1M507.4M537.6M368.8M
Long Term Debt17.6M68.4M55.4M71.5M71.0M54.6M
Net Receivables963K912K948K1.3M1.6M1.3M
Inventory(12.7M)(93.4M)(67.8M)(29.6M)(16.4M)(17.2M)
Short Term Debt39K13.0M8.5M13.5M15.1M11.3M
Intangible Assets2.2M1.8M2.0M1.9M1.7M1.6M

1895 Of Key Income Statement Accounts

The reason investors look at the income statement is to determine what 1895 Of's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense4.9M3.0M1.5M2.0M8.5M9.0M
Total Revenue15.5M19.2M17.0M16.2M10.3M12.5M
Gross Profit15.5M19.2M17.0M16.2M10.3M12.5M
Operating Income440K3.1M(43K)1.8M(2.4M)(2.3M)
Income Before Tax440K3.1M21K(319K)(6.4M)(6.1M)
Net Income449K1.3M85K(148K)(6.8M)(6.5M)
Tax Provision(9K)1.7M(64K)(171K)1.0M1.1M
Net Interest Income12.3M12.4M12.7M14.4M12.9M13.8M
Interest Income17.2M15.4M14.2M16.4M19.7M17.7M
Ebit440K3.1M(43K)1.8M(6.4M)(6.1M)
Ebitda1.1M3.7M611K2.4M(5.9M)(5.6M)
Income Tax Expense(9K)1.7M(64K)(171K)388K407.4K

1895 Of Key Cash Accounts

201920202021202220232024 (projected)
Investments56.8M(6.4M)(50.5M)(55.1M)(17.1M)(18.0M)
Change In Cash3.8M80.8M(25.7M)(38.5M)(15.1M)(14.3M)
Net Borrowings(12.4M)50.8M(13.0M)16.0M18.4M19.3M
Free Cash Flow278K932K2.5M2.4M(1.5M)(1.4M)
Depreciation695K661K654K600K492K512.7K
Other Non Cash Items(1.3M)(2.7M)542K2.0M3.1M3.3M
Capital Expenditures668K288K243K187K812K438.7K
Net Income449K1.3M85K(148K)(6.8M)(6.5M)
End Period Cash Flow11.7M92.5M66.8M28.3M13.3M12.6M
Change To Netincome(90K)(1.6M)965K2.2M2.5M2.6M

1895 Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining 1895 Of's current stock value. Our valuation model uses many indicators to compare 1895 Of value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across 1895 Of competition to find correlations between indicators driving 1895 Of's intrinsic value. More Info.
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1895 of Wisconsin is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers . At this time, 1895 Of's Return On Equity is fairly stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value 1895 Of by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

1895 of Wisconsin Systematic Risk

1895 Of's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. 1895 Of volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on 1895 of Wisconsin correlated with the market. If Beta is less than 0 1895 Of generally moves in the opposite direction as compared to the market. If 1895 Of Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one 1895 of Wisconsin is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of 1895 Of is generally in the same direction as the market. If Beta > 1 1895 Of moves generally in the same direction as, but more than the movement of the benchmark.
JavaScript chart by amCharts 3.21.15OctNovDecNov 18Nov 25DecDec 09Dec 16Dec 239.909.9510.0010.05 5K10K15K 42.5K43K43.5K44K44.5K45K Show all
JavaScript chart by amCharts 3.21.151895 of Wisconsin Volume 1895 of Wisconsin Closing Prices Dow Jones Industrial Closing Prices - Benchmark 1895 of Wisconsin Beta

Steps to analyze company Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as 1895 Of is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of 1895 has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if 1895 Of's financials are consistent with your investment objective using the following steps:
  • Review 1895 Of's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand 1895 Of's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare 1895 Of's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if 1895 Of's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.
Today, most investors in 1895 Of Stock are looking for potential investment opportunities by analyzing not only static indicators but also various 1895 Of's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of 1895 Of growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.00115)

At this time, 1895 Of's Price Earnings To Growth Ratio is fairly stable compared to the past year.

1895 Of December 26, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of 1895 Of help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of 1895 of Wisconsin. We use our internally-developed statistical techniques to arrive at the intrinsic value of 1895 of Wisconsin based on widely used predictive technical indicators. In general, we focus on analyzing 1895 Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build 1895 Of's daily price indicators and compare them against related drivers.

Additional Tools for 1895 Stock Analysis

When running 1895 Of's price analysis, check to measure 1895 Of's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy 1895 Of is operating at the current time. Most of 1895 Of's value examination focuses on studying past and present price action to predict the probability of 1895 Of's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move 1895 Of's price. Additionally, you may evaluate how the addition of 1895 Of to your portfolios can decrease your overall portfolio volatility.