1895 Bancorp of Wisconsin, Inc. (BCOW) Key Metrics
BCOW valuation today
Trailing 12 months · as of October 22, 2026- Market cap
- $95.2M
- Enterprise value
- $152.4M
- P/E (TTM)
- 84.0 10-yr median 63.5
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 8.0 10-yr median 2.0
- Price / book
- 1.3 10-yr median 0.8
- EV / EBITDA
- —
- Dividend yield
- —
- Beta
- −0.07
BCOW key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsBCOW valuation Price multiples at each fiscal year-end price.
BCOW returns How much profit the business earns on the capital it uses.
BCOW per-share figures Results divided by the shares outstanding at year-end.
BCOW financial health Debt, liquidity and how easily interest is covered.
BCOW efficiency & capital use Working capital cycle and where the cash goes.
BCOW valuation history
BCOW returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
BCOW debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
BCOW cash returned to shareholders
BCOW price vs earnings per share
BCOW key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $58.5M | $54.5M | $38.7M | $57.8M | $70.0M | $35.5M | $38.5M | — | — | — |
| Enterprise value | $150.1M | $30.0M | −$11.1M | −$11.3M | −$52.3M | −$42.8M | −$26.7M | — | — | — |
| P/E ratio | 41.2 | — | — | — | 823.9 | 26.9 | 85.8 | — | — | — |
| Price / sales | 1.9 | 2.0 | 2.1 | 3.1 | 3.8 | 1.6 | 1.9 | — | — | — |
| Price / book | 0.8 | 0.8 | 0.5 | 0.8 | 0.8 | 0.6 | 0.7 | — | — | — |
| Price / free cash flow | 15.6 | 153.4 | — | 24.1 | 28.4 | 36.2 | 138.6 | — | — | — |
| Price / operating cash flow | 14.5 | 100.9 | — | 22.3 | 25.9 | 28.0 | 40.7 | — | — | — |
| EV / sales | 5.0 | 1.1 | -0.6 | -0.6 | -2.8 | -1.9 | -1.3 | — | — | — |
| EV / EBITDA | 72.8 | — | — | — | — | — | — | — | — | — |
| EV / free cash flow | 40.0 | 84.4 | — | — | — | — | — | — | — | — |
| Earnings yield | 2.4% | −1.6% | −17.6% | −0.3% | 0.1% | 3.7% | 1.2% | — | — | — |
| Free cash flow yield | 6.4% | 0.7% | −3.9% | 4.2% | 3.5% | 2.8% | 0.7% | — | — | — |
| Dividend yield | — | — | — | — | 3.8% | — | 4.6% | — | — | — |
| Shareholder yield (dividends + buybacks) | 7.3% | 2.3% | 2.1% | 5.6% | 4.0% | 3.0% | 9.1% | — | — | — |
| Share price at fiscal year-end | $11.20 | $10.00 | $6.99 | $10.00 | $10.99 | $7.57 | $8.19 | — | — | — |
| Per share | ||||||||||
| Revenue per share | $5.80 | $4.96 | $3.40 | $3.27 | $2.90 | $4.75 | $4.33 | $6.15 | $5.67 | $5.61 |
| Earnings per share | $0.27 | −$0.16 | −$1.23 | −$0.03 | $0.01 | $0.28 | $0.10 | −$0.01 | $0.52 | $0.39 |
| Operating cash flow per share | $0.77 | $0.10 | −$0.13 | $0.45 | $0.42 | $0.27 | $0.20 | −$0.21 | $0.10 | $0.53 |
| Free cash flow per share | $0.72 | $0.07 | −$0.27 | $0.42 | $0.39 | $0.21 | $0.06 | −$0.58 | −$0.06 | $0.38 |
| Cash per share | $3.98 | $21.37 | $21.83 | $24.33 | $27.89 | $31.31 | $17.62 | $22.97 | $31.70 | $32.47 |
| Book value per share | $13.76 | $13.06 | $13.15 | $13.05 | $14.26 | $12.81 | $12.47 | $11.93 | $12.18 | $11.67 |
| Tangible book value per share | $13.47 | $12.76 | $12.84 | $12.73 | $13.94 | $12.42 | $12.01 | $11.27 | $11.47 | $10.91 |
| Dividends per share | — | — | — | — | $0.41 | — | $0.37 | $0.00 | $0.00 | $0.00 |
| Capex per share | $0.05 | $0.03 | $0.15 | $0.03 | $0.04 | $0.06 | $0.14 | $0.37 | $0.16 | $0.15 |
| Debt per share | $21.50 | $16.88 | $12.83 | $12.37 | $8.70 | $14.60 | $3.75 | $9.38 | $10.84 | $15.07 |
| Shares outstanding | 5.2M | 5.4M | 5.5M | 5.8M | 6.4M | 4.7M | 4.7M | 3.2M | 3.2M | 3.2M |
| Change in shares outstanding | −4.0% | −1.6% | −4.2% | −9.4% | +36.0% | −0.4% | +47.0% | 0.0% | 0.0% | −50.1% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 2.0% | −1.2% | −9.2% | −0.2% | 0.1% | 2.2% | 0.9% | −0.0% | 4.3% | 3.4% |
| Return on invested capital (ROIC) | 1.4% | −3.2% | −34.5% | — | — | — | — | — | — | — |
| Return on assets (ROA) | 0.2% | −0.2% | −1.2% | −0.0% | 0.0% | 0.3% | 0.1% | −0.0% | 0.4% | 0.3% |
| Return on tangible assets | 0.2% | −0.2% | −1.2% | −0.0% | 0.0% | 0.3% | 0.1% | −0.0% | 0.4% | 0.3% |
| Free cash flow margin | 12.4% | 1.3% | −8.1% | 12.7% | 13.3% | 4.4% | 1.4% | −9.5% | −1.1% | 6.7% |
| Income quality (OCF / net income) | 2.83 | — | — | — | 31.86 | 0.96 | 2.11 | — | 0.20 | 1.34 |
| Financial health | ||||||||||
| Total debt | $112.4M | $91.9M | $71.0M | $71.5M | $55.4M | $68.4M | $17.6M | $30.0M | $34.7M | $48.2M |
| Cash & short-term investments | $20.8M | $116.4M | $120.8M | $140.5M | $177.7M | $146.7M | $82.9M | $73.5M | $101.5M | $103.9M |
| Net debt | $91.5M | −$24.5M | −$49.8M | −$69.1M | −$122.3M | −$78.3M | −$65.3M | −$43.5M | −$66.8M | −$55.7M |
| Debt / equity | 1.56 | 1.29 | 0.98 | 0.95 | 0.61 | 1.14 | 0.30 | 0.79 | 0.89 | 1.29 |
| Debt / assets | 0.19 | 0.16 | 0.13 | 0.13 | 0.10 | 0.13 | 0.04 | 0.06 | 0.07 | 0.11 |
| Net debt / EBITDA | 44.39 | — | — | −245.75 | −181.18 | −21.08 | −57.50 | −93.15 | — | −28.94 |
| Current ratio | 10.83 | 0.03 | 0.30 | 0.37 | 0.46 | 0.39 | 0.24 | 0.18 | 0.26 | 0.29 |
| Quick ratio | 10.83 | 0.03 | 0.34 | 0.44 | 0.64 | 0.63 | 0.28 | 0.21 | 0.30 | 0.32 |
| Interest coverage | 0.1 | -0.1 | -0.7 | -0.2 | 0.0 | 1.0 | 0.1 | -0.0 | -0.5 | 0.5 |
| Working capital | $20.5M | −$313.6M | −$282.5M | −$246.2M | −$205.9M | −$232.4M | −$261.1M | −$331.9M | −$287.0M | −$254.1M |
| Invested capital | $163.4M | $46.6M | $23.0M | $6.3M | −$31.4M | −$18.3M | −$6.6M | −$5.3M | −$27.8M | −$18.4M |
| Tangible asset value | $70.4M | $69.5M | $71.0M | $73.5M | $88.9M | $58.2M | $56.5M | $36.1M | $36.7M | $34.9M |
| Net current asset value | −$505.6M | −$491.5M | −$362.5M | −$325.9M | −$270.1M | −$309.2M | −$285.5M | −$368.3M | −$326.7M | −$307.7M |
| Graham number | $9.17 | — | — | — | $2.07 | $9.00 | $5.18 | — | $11.92 | $10.14 |
| Graham net-net per share | −$96.82 | −$70.52 | −$67.06 | −$59.04 | −$47.73 | −$76.01 | −$62.09 | −$116.57 | −$104.32 | −$97.64 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | — | $2.6M | — | $1.8M | $0 | $0 | $0 |
| Share buybacks (net) | $4.3M | $1.2M | $793,000 | $3.3M | $151,000 | $1.1M | $1.8M | $0 | $0 | $0 |
| Dividend payout ratio | — | — | — | — | — | — | 390.9% | — | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 114.2% | 347.0% | — | 135.7% | 113.3% | 107.7% | — | — | — | 0.0% |
| Capex / revenue | 0.9% | 0.7% | 4.3% | 1.0% | 1.3% | 1.3% | 3.3% | 6.0% | 2.9% | 2.7% |
| Capex / operating cash flow | 6.7% | 34.3% | — | 7.2% | 9.0% | 22.7% | 70.6% | — | 159.6% | 28.5% |
| Capex / depreciation | 0.62 | 0.40 | 1.65 | 0.31 | 0.37 | 0.44 | 0.96 | 1.79 | 0.76 | 0.72 |
| Stock-based compensation / revenue | 2.5% | 3.1% | 4.3% | 3.0% | 2.6% | 1.0% | 0.3% | −2.1% | 5.1% | — |
| SG&A / revenue | 34.3% | 37.7% | 56.1% | 57.2% | 57.8% | 44.4% | 48.4% | 50.9% | 50.0% | 46.7% |
| Efficiency | ||||||||||
| Days sales outstanding | 20.5 | 21.7 | 27.3 | 21.3 | 18.3 | 15.4 | 18.5 | 21.5 | 23.9 | 23.6 |
| Days of inventory on hand | — | — | -949.2 | -8,028.4 | -18,784.8 | -5,468.7 | -1,015.1 | -980.4 | -1,230.0 | -1,215.6 |
| Days payables outstanding | 38.2 | 34.6 | 28.8 | 33.0 | 34.0 | 29.3 | 35.4 | 30.7 | 33.4 | 37.5 |
| Cash conversion cycle (days) | -17.7 | -12.8 | -950.8 | -8,040.0 | -18,800.5 | -5,482.6 | -1,032.0 | -989.6 | -1,239.6 | -1,229.5 |
| Receivables turnover | 17.79 | 16.79 | 13.39 | 17.13 | 19.90 | 23.76 | 19.70 | 16.98 | 15.27 | 15.44 |
| Payables turnover | 9.56 | 10.55 | 12.66 | 11.06 | 10.73 | 12.47 | 10.31 | 11.89 | 10.91 | 9.73 |
| Asset turnover | 0.05 | 0.05 | 0.03 | 0.03 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 |
| Average receivables | $1.7M | $1.6M | $1.4M | $1.1M | $930,000 | $937,500 | $1.0M | $1.2M | $1.2M | $1.2M |
| Average payables | $1.3M | $1.2M | $698,500 | $200,000 | $146,000 | $284,000 | $378,500 | $356,000 | $308,000 | $276,000 |
| Average inventory | — | — | −$23.0M | −$48.7M | −$80.6M | −$53.1M | −$10.8M | −$11.4M | −$11.3M | −$8.9M |
| Intangibles / total assets | 0.2% | 0.3% | 0.3% | 0.3% | 0.4% | 0.3% | 0.5% | 0.4% | 0.5% | 0.5% |
Computed from BCOW's annual financial statements (latest annual report filed December 31, 2025) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
BCOW valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), 1895 Bancorp of Wisconsin traded at 41.2 times earnings, against a 10-year median of 63.5. Based on the latest twelve months, the trailing P/E is 84.0. 1895 Bancorp of Wisconsin earned a return on equity of 2.0% and a return on invested capital of 1.4% in fiscal 2025. It ended the year with $112.4 million of debt and $20.8 million in cash and short-term investments, net debt of $91.5 million. It returned $4.3 million to shareholders: $0 in dividends and $4.3 million in share buybacks, 114% of free cash flow. The share count rose 63.3% from 3.2M to 5.2M over 9 years.
See the BCOW income statement, the BCOW chart for price history, or the BCOW stock overview for the latest quote and news.
BCOW key metrics FAQ
What is 1895 Bancorp of Wisconsin's P/E ratio?
1895 Bancorp of Wisconsin's trailing P/E ratio is 84.0 based on the last twelve months of earnings (as of October 22, 2026). At the end of fiscal 2025 it was 41.2, compared with a 10-year median of 63.5.
What is 1895 Bancorp of Wisconsin's EV/EBITDA?
1895 Bancorp of Wisconsin's enterprise value was 72.8 times EBITDA at the end of fiscal 2025 (enterprise value $150.1 million, EBITDA $2.1 million).
What is 1895 Bancorp of Wisconsin's return on equity?
1895 Bancorp of Wisconsin's return on equity (ROE) was 2.0% in fiscal 2025: net income of $1.4 million on average shareholders' equity of $71.5 million.
What is 1895 Bancorp of Wisconsin's ROIC?
1895 Bancorp of Wisconsin's return on invested capital was 1.4% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does 1895 Bancorp of Wisconsin have?
1895 Bancorp of Wisconsin had total debt of $112.4 million at the end of fiscal 2025, a debt-to-equity ratio of 1.56 and $91.5 million of net debt (44.39 times EBITDA).
Does 1895 Bancorp of Wisconsin buy back its shares?
Yes. 1895 Bancorp of Wisconsin spent $4.3 million on net share repurchases in fiscal 2025 Shares outstanding changed −4.0% over the year, to 5.2M..
What is 1895 Bancorp of Wisconsin's free cash flow yield?
1895 Bancorp of Wisconsin generated $3.8 million of free cash flow in fiscal 2025, a free cash flow yield of 6.4% on its market value at year-end ($58.5 million).
What is 1895 Bancorp of Wisconsin's current ratio?
1895 Bancorp of Wisconsin's current ratio was 10.83 at the end of fiscal 2025: current assets were 10.83 times current liabilities.