1895 Bancorp of Wisconsin, Inc. (BCOW) Income Statement
BCOW 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsBCOW revenue and net income
Where BCOW's revenue goes
2025Each bar shows an amount and its share of revenue. BCOW kept 4.7% of revenue as net income.
BCOW profit margins
BCOW growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +12.1% | +17.1% | +6.3% | +6.0% |
| Gross profit | +19.3% | +1.9% | −1.2% | +0.5% |
| Operating income | — | — | −11.8% | −20.9% |
| Net income | — | — | +1.5% | +6.4% |
| EPS (diluted) | — | — | +0.7% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
BCOW quarterly EPS vs estimates
BCOW income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $30.3M | $27.0M | $18.8M | $18.9M | $18.5M | $22.3M | $20.4M | $19.7M | $18.1M | $18.0M |
| Cost of revenue | $12.6M | $12.2M | $8.8M | $2.2M | $1.6M | $3.5M | $3.9M | $4.2M | $3.4M | $2.7M |
| Gross profit | $17.7M | $14.8M | $10.0M | $16.7M | $16.9M | $18.7M | $16.5M | $15.5M | $14.8M | $15.3M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $10.4M | $10.2M | $10.6M | $10.8M | $10.7M | $9.9M | $9.9M | $10.0M | $9.1M | $8.4M |
| Total operating expenses | $16.0M | $16.2M | $16.4M | $17.0M | $16.9M | $15.7M | $16.0M | $15.7M | $16.6M | $14.0M |
| Operating income | $1.6M | −$1.4M | −$6.4M | −$319,000 | $21,000 | $3.1M | $440,000 | −$196,000 | −$1.8M | $1.3M |
| Interest income | $27.7M | $24.6M | $19.7M | $16.4M | $14.2M | $15.4M | $17.2M | $16.8M | $15.3M | $13.8M |
| Interest expense | $12.3M | $11.9M | $8.5M | $2.0M | $1.5M | $3.0M | $4.9M | $4.2M | $3.4M | $2.7M |
| Income before taxes | $1.6M | −$1.4M | −$6.4M | −$319,000 | $21,000 | $3.1M | $440,000 | −$196,000 | −$1.8M | $1.3M |
| Income taxes | $205,000 | −$545,000 | $388,000 | −$171,000 | −$64,000 | $1.7M | −$9,000 | −$177,000 | −$3.5M | $0 |
| Net income | $1.4M | −$881,000 | −$6.8M | −$148,000 | $85,000 | $1.3M | $449,000 | −$19,000 | $1.7M | $1.3M |
| EBITDA | $2.1M | −$1.4M | −$5.9M | $281,000 | $675,000 | $3.7M | $1.1M | $467,000 | −$1.1M | $1.9M |
| EPS (diluted) | $0.28 | −$0.16 | −$1.22 | −$0.03 | $0.03 | $0.27 | $0.27 | −$0.25 | $0.52 | — |
| Gross margin | 58.3% | 54.8% | 53.0% | 88.3% | 91.5% | 84.1% | 80.9% | 78.5% | 81.5% | 85.0% |
| Operating margin | 5.4% | −5.3% | −34.0% | −1.7% | 0.1% | 13.7% | 2.2% | −1.0% | −9.9% | 7.0% |
| Net margin | 4.7% | −3.3% | −36.1% | −0.8% | 0.5% | 5.9% | 2.2% | −0.1% | 9.1% | 7.0% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $7.5M | $7.4M | $7.8M | $7.8M | $7.6M | $7.1M | $6.9M | $6.7M | $6.9M | $6.6M | $3.7M | $4.1M |
| Cost of revenue | $2.9M | $3.0M | $3.1M | $3.3M | $3.2M | $3.0M | $3.0M | $3.1M | $3.1M | $3.0M | $2.8M | $2.5M |
| Gross profit | $4.6M | $4.5M | $4.6M | $4.6M | $4.4M | $4.0M | $3.9M | $3.6M | $3.8M | $3.6M | $930,000 | $1.7M |
| Sales, general & admin | $2.9M | $2.7M | $2.7M | $2.5M | $2.5M | $2.5M | $2.5M | $2.6M | $2.6M | $2.5M | $2.5M | $2.4M |
| Total operating expenses | $4.9M | $4.0M | $3.9M | $4.0M | $3.9M | $4.2M | $3.8M | $4.0M | $4.4M | $4.0M | $3.8M | $3.9M |
| Operating income | −$347,000 | $443,000 | $757,000 | $577,000 | $501,000 | −$210,000 | $112,000 | −$457,000 | −$675,000 | −$406,000 | −$2.9M | −$2.2M |
| Interest income | $6.9M | $6.8M | $7.2M | $7.2M | $6.8M | $6.5M | $6.3M | $6.0M | $6.2M | $6.0M | $5.8M | $5.4M |
| Interest expense | $2.9M | $3.0M | $3.1M | $3.2M | $3.1M | $2.9M | $2.9M | $3.0M | $3.0M | $3.0M | $2.7M | $2.4M |
| Income before taxes | −$347,000 | $443,000 | $757,000 | $577,000 | $501,000 | −$210,000 | $112,000 | −$457,000 | −$675,000 | −$406,000 | −$2.9M | −$2.2M |
| Income taxes | $37,000 | $73,000 | $91,000 | $101,000 | $78,000 | −$66,000 | $12,000 | −$298,000 | −$159,000 | −$100,000 | −$613,000 | $1.4M |
| Net income | −$384,000 | $370,000 | $666,000 | $476,000 | $423,000 | −$144,000 | $100,000 | −$159,000 | −$516,000 | −$306,000 | −$2.3M | −$3.6M |
| EBITDA | −$347,000 | $443,000 | $757,000 | $577,000 | $501,000 | −$210,000 | $112,000 | −$346,000 | −$557,000 | −$288,000 | −$2.8M | −$2.1M |
| EPS (diluted) | −$0.08 | $0.07 | $0.13 | $0.09 | $0.08 | −$0.03 | $0.02 | −$0.03 | −$0.09 | −$0.06 | −$0.40 | −$0.66 |
| Gross margin | 61.2% | 59.9% | 59.6% | 58.3% | 58.2% | 57.0% | 56.7% | 53.7% | 54.7% | 53.9% | 25.1% | 39.8% |
| Operating margin | −4.6% | 6.0% | 9.7% | 7.4% | 6.6% | −3.0% | 1.6% | −6.9% | −9.8% | −6.2% | −78.2% | −53.4% |
| Net margin | −5.1% | 5.0% | 8.6% | 6.1% | 5.6% | −2.0% | 1.5% | −2.4% | −7.5% | −4.6% | −61.7% | −87.8% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in BCOW's financial statements (latest annual report filed December 31, 2025); data from EODHD. Sales, general & administrative expenses include sales and marketing.
BCOW financial results
In fiscal year 2025 (ended December 31, 2025), 1895 Bancorp of Wisconsin reported revenue of $30.3 million, up 12.1% from the year before. It had net income of $1.4 million, a net profit margin of 4.7%. Diluted earnings per share came to $0.28. Over five years revenue grew at an average rate of 6.3% a year.
See the BCOW stock overview for the latest quote and news, or the BCOW chart for price history and technical indicators.
BCOW income statement FAQ
What is 1895 Bancorp of Wisconsin's annual revenue?
1895 Bancorp of Wisconsin reported total revenue of $30.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 12.1% from $27.0 million the previous year.
Is 1895 Bancorp of Wisconsin profitable?
Yes. 1895 Bancorp of Wisconsin reported net income of $1.4 million in fiscal 2025, a net profit margin of 4.7%; its operating margin was 5.4%.
What is 1895 Bancorp of Wisconsin's gross margin?
1895 Bancorp of Wisconsin's gross margin was 58.3% in fiscal 2025: for every $100 of revenue, 1895 Bancorp of Wisconsin kept $58 after the direct cost of its products and services.
How fast is 1895 Bancorp of Wisconsin growing?
Revenue grew 6.3% a year on average over the last five fiscal years, from $22.3 million to $30.3 million.
What are 1895 Bancorp of Wisconsin's earnings per share?
1895 Bancorp of Wisconsin earned $0.28 per diluted share in fiscal 2025, compared with $-0.16 a year earlier.
When does 1895 Bancorp of Wisconsin's fiscal year end?
1895 Bancorp of Wisconsin's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on December 31, 2025.