1895 Bancorp of Wisconsin, Inc. /MD/
BCOWOTCFinancials · Savings Institutions, Not Federally Chartered · MD · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | −$6.8M | −$148,000 | $85,000 | $1.3M |
| Total assets | $557.6M | $543.0M | $539.6M | $516.8M |
| Total liabilities | $484.8M | $467.7M | $448.7M | $456.7M |
| Equity | $72.8M | $75.4M | $90.9M | $60.0M |
| EPS (diluted) | $-1.23 | $-0.03 | $0.01 | $0.28 |
| Shares out. | 6.2M | 6.4M | 6.4M | 4.8M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2023- Operating margin
- —
- Net margin
- —
- Return on equity
- −9.3%
- Return on assets
- −1.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.0%
- Debt / equity
- 6.66×
- Book value / share
- $11.75
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2023- Accruals / assets
- −1.1%clean
- Piotroski F-Score
- 2/6weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 2 warning● 1 good- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Harris ClarenceDirector | Jun 6, 2024 | Buy | 3 | $7.32 |
| Harris ClarenceDirector | May 31, 2024 | Buy | 97 | $7.30 |
| Hill KristinaDirector | May 31, 2024 | Buy | 85 | $7.34 |
| Harris ClarenceDirector | May 29, 2024 | Buy | 17 | $7.35 |
| Klitzing Steven T.Officer — SVP and CFO | May 18, 2023 | Buy | 1,000 | $6.77 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 1,835 | 1.0 | -12.7% |
| Apr 30, 2026 | 2,103 | 1.0 | -17.1% |
| Apr 15, 2026 | 2,536 | 1.0 | +7.7% |
| Mar 31, 2026 | 2,355 | 1.0 | -4.0% |
| Mar 13, 2026 | 2,453 | 1.0 | -4.4% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Delisting / listing-standard notice · Other material eventFeb 18, 2025
- Director / officer changeDec 27, 2024
- Regulation FD disclosureSep 9, 2024
- Shareholder voteMay 31, 2024
- Regulation FD disclosureApr 22, 2024
- Director / officer changeDec 26, 2023
- Other material eventDec 8, 2023
- Director / officer changeOct 2, 2023
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 15F-12B1895 BANCORP OF WISCONSIN, INC. FORM 15 MARCH 17, 2025Mar 17, 2025
- S-8 POS1895 BANCORP OF WISCONSIN, INC. POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 MARCHMar 7, 2025
- S-8 POS1895 BANCORP OF WISCONSIN, INC. POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 2022 Mar 7, 2025
- S-8 POS1895 BANCORP OF WISCONSIN, INC. POST-EFFECTIVE AMENDMENT NO. 1 TO FORM S-8 PYRAMMar 7, 2025
- 251895 BANCORP OF WISCONSIN, INC. FORM 25Mar 7, 2025
- 8-K1895 BANCORP OF WISCONSIN, INC. FORM 8-K FEBRUARY 18, 2025Feb 18, 2025
- 8-K1895 BANCORP OF WISCONSIN, INC. FORM 8-K DECEMBER 20, 2024Dec 27, 2024
- 10-QNov 8, 2024
- 8-K1895 BANCORP OF WISCONSIN, INC. FORM 8-K SEPTEMBER 9, 2024Sep 9, 2024
- 10-QAug 8, 2024
- 4FORM 4Jun 20, 2024
- 11-K1895 BANCORP OF WISCONSIN, INC. FORM 11-K DECEMBER 31, 2023Jun 20, 2024
- 4FORM 4Jun 3, 2024
- 4FORM 4Jun 3, 2024
- 8-K1895 BANCORP OF WISCONSIN, INC. FORM 8-K MAY 31, 2024May 31, 2024