1895 Bancorp of Wisconsin, Inc. (BCOW) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
1895 Bancorp of Wisconsin, Inc. (BCOW) trades at $17.74 with AI Score 50/100 (Grade B). 1895 Bancorp of Wisconsin, Inc. Market cap: $91.3M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 17, 2026Analyst Coverage for BCOW: BCOW does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BCOW against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BCOW: 1/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
1895 Bancorp of Wisconsin, Inc. (BCOW) Financial Services Profile
1895 Bancorp of Wisconsin, Inc., operating as PyraMax Bank, is a community-focused financial institution providing traditional banking services in southeastern Wisconsin. With a history dating back to 1895, the company emphasizes local relationships and offers a suite of deposit and loan products, competing with larger regional and national banks.
What Is the Investment Thesis for BCOW?
Investing in 1895 Bancorp of Wisconsin, Inc. presents a thesis predicated on its established presence in the Wisconsin banking market and potential for organic growth. With a market capitalization of $91.3M and a P/E ratio of 38.36, the company's valuation reflects its current profitability and growth prospects. Key value drivers include the expansion of its loan portfolio, particularly in commercial real estate and commercial lending, and the enhancement of its deposit base. Ongoing catalysts include the potential for increased interest income in a rising rate environment and the expansion of its insurance and risk product offerings. Potential risks include competition from larger banks and the impact of economic downturns on loan quality. The company's beta of 0.03 indicates low volatility, suggesting a relatively stable investment profile.
Based on FMP financials and quantitative analysis
BCOW Key Highlights
Market capitalization of $91.3M indicates its size within the regional banking sector.
- P/E ratio of 38.36 reflects investor expectations for future earnings growth.
- Profit margin of 4.7% demonstrates the company's ability to generate profit from its revenue.
- Gross margin of 58.3% indicates efficient management of its cost of goods sold.
- Beta of 0.03 suggests low volatility compared to the overall market.
Who Are BCOW's Competitors?
BCOW is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BSPA Ballston Spa Bancorp, Inc. | $82.92 | +0.00% | $61.6M | 59 |
| CCBC Chino Commercial Bancorp | $18.05 | -0.82% | $69.6M | 48 |
| CIWV Citizens Financial Corp. | $48.00 | +0.00% | $81.6M | 51 |
| EDVR Endeavor Bancorp | $20.10 | +0.00% | $88.5M | 48 |
| FBTT First Bankers Trustshares, Inc. | $29.50 | +3.51% | $88.7M | 47 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BCOW's Key Strengths?
Established presence in southeastern Wisconsin.
- Strong focus on community banking.
- Diversified loan portfolio.
- Experienced management team.
What Are BCOW's Weaknesses?
Smaller size compared to larger regional and national banks.
- Limited geographic reach.
- Reliance on traditional banking services.
- Higher P/E ratio compared to peers.
What Could Drive BCOW Stock Higher?
Potential for increased interest income in a rising interest rate environment.
- Expansion of insurance and risk product offerings.
- Implementation of new digital banking technologies to enhance customer experience (1-2 years).
- Strategic branch expansion into underserved areas within southeastern Wisconsin (2-3 years).
What Are the Key Risks for BCOW?
Financial-distress signal — its Altman Z-Score of -0.29 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger banks and credit unions.
- Impact of economic downturns on loan quality.
- Regulatory changes affecting the banking industry.
- Disruption from fintech companies.
- Limited liquidity due to OTC Other tier trading.
What Are the Growth Opportunities for BCOW?
- Expansion of Commercial Lending: 1895 Bancorp has the opportunity to grow its commercial lending portfolio by targeting small and medium-sized businesses in its service area. The market for commercial loans in Wisconsin is estimated to be substantial, with ongoing demand from businesses seeking capital for expansion and operations. By offering competitive rates and personalized service, the bank can attract new commercial clients and increase its loan volume. Timeline: Ongoing.
- Increased Focus on Digital Banking: Investing in digital banking technologies can enable 1895 Bancorp to attract and retain customers who prefer online and mobile banking services. The market for digital banking is growing rapidly, with an increasing number of customers using online channels for their banking needs. By offering a user-friendly digital platform, the bank can enhance customer satisfaction and reduce operating costs. Timeline: 1-2 years.
- Strategic Branch Expansion: Expanding its branch network into underserved areas within southeastern Wisconsin can enable 1895 Bancorp to reach new customers and increase its market share. The market for branch banking remains relevant, particularly for customers who value face-to-face interactions and personalized service. By strategically locating new branches in high-growth areas, the bank can attract new deposits and loan customers. Timeline: 2-3 years.
- Cross-Selling of Insurance and Risk Products: Leveraging its existing customer base to cross-sell insurance and risk products can generate additional revenue streams for 1895 Bancorp. The market for insurance and risk products is substantial, with ongoing demand from individuals and businesses seeking protection against various risks. By offering a comprehensive suite of insurance products, the bank can enhance customer relationships and increase its profitability. Timeline: Ongoing.
- Partnerships with Fintech Companies: Collaborating with fintech companies can enable 1895 Bancorp to offer innovative products and services to its customers. The fintech market is rapidly evolving, with new companies emerging to disrupt traditional banking models. By partnering with fintech companies, the bank can access new technologies and expand its product offerings without having to invest heavily in internal development. Timeline: 1-2 years.
What Are BCOW's Competitive Advantages?
- Established presence in the Wisconsin banking market.
- Strong relationships with local customers.
- Community-focused approach to banking.
- Experienced management team.
What Does BCOW Do?
1895 Bancorp of Wisconsin, Inc. traces its roots back to 1895, evolving from a local savings and loan association into a full-service community bank. As the holding company for PyraMax Bank, FSB, it provides a range of financial services to individuals and businesses primarily in Milwaukee, Waukesha, and Ozaukee counties in Wisconsin. The bank offers a variety of deposit accounts, including checking, savings, and certificates of deposit. Its loan portfolio encompasses one- to four-family residential real estate, residential real estate construction, commercial real estate, land development, and commercial loans. Additionally, PyraMax Bank provides consumer loans such as home equity lines of credit, auto loans, and recreational vehicle loans. The company operates six full-service banking offices strategically located to serve its customer base. 1895 Bancorp of Wisconsin focuses on building long-term relationships with its customers by offering personalized service and local expertise. While facing competition from larger regional and national banks, 1895 Bancorp differentiates itself through its community focus and commitment to local economic development.
What Products and Services Does BCOW Offer?
- Operates as the holding company for PyraMax Bank, FSB.
- Offers checking, savings, and certificate of deposit accounts.
- Provides one- to four-family residential real estate loans.
- Offers residential real estate construction loans.
- Provides commercial real estate and land development loans.
- Offers commercial loans and lines of credit.
- Provides consumer loans, including home equity lines of credit and auto loans.
- Offers insurance and risk products for personal and business needs.
How Does BCOW Make Money?
- Generates revenue through interest income on loans.
- Earns fees from deposit accounts and other services.
- Manages risk by diversifying its loan portfolio.
- Focuses on serving customers in southeastern Wisconsin.
What Industry Does BCOW Operate In?
1895 Bancorp of Wisconsin, Inc. operates within the regional banking industry, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with fintech companies challenging traditional banking models. Regional banks like 1895 Bancorp face the challenge of balancing traditional relationship-based banking with the need to adopt new technologies and offer digital services. The market is also influenced by macroeconomic factors such as interest rates, economic growth, and regulatory changes. Competitors range from large national banks to smaller community banks, each vying for market share in deposit and loan products.
Who Are BCOW's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers needing financing for construction projects.
- Consumers seeking auto loans and home equity lines of credit.
Financial Health
1895 Bancorp of Wisconsin, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.29 places it in the distress zone, a signal of elevated financial risk.
Quarterly Financial Performance: 1895 Bancorp of Wisconsin, Inc.
Revenue for 1895 Bancorp of Wisconsin, Inc. came in at $7.5M during Q2 2026. The company recorded a net loss of $384K, with diluted EPS of $-0.08. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, BCOW averaged $0.05 in diluted EPS.
BCOW Valuation & Market Position
With a $91.3M market cap, 1895 Bancorp of Wisconsin, Inc. sits in the micro-cap segment of the market. Relative to its peer group, BCOW's quantitative score of 50/100 is roughly in line with the peer average of 51/100.
Key Financial Metrics
Return on equity for 1895 Bancorp of Wisconsin, Inc. stands at 2.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.3%, showing how much profit it generates from its asset base. BCOW trades at a trailing price-to-earnings ratio of 28.63, above the Financial Services sector average of ~18x. Its free cash flow yield is 0.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.08 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.5%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
1895 Bancorp of Wisconsin, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Greenfield, US. The company is led by CEO David R. Ball. BCOW has traded publicly since 2019.
BCOW Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established presence in southeastern Wisconsin.
- Strong focus on community banking.
- Diversified loan portfolio.
- Experienced management team.
Bear Case
- Smaller size compared to larger regional and national banks.
- Limited geographic reach.
- Reliance on traditional banking services.
- Higher P/E ratio compared to peers.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $8M | -$384,000 | -$0.08 |
| Q1 2026 | $7M | $370,000 | $0.07 |
| Q4 2025 | $8M | $666,000 | $0.13 |
| Q3 2025 | $8M | $476,000 | $0.09 |
Based on FMP financials and quantitative analysis
BCOW Latest News
No recent news available for BCOW.
BCOW Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BCOW.
Price Targets
Wall Street price target analysis for BCOW.
BCOW MoonshotScore
What does this score mean?
The MoonshotScore rates BCOW 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: David R. Ball
CEO
David R. Ball serves as the CEO of 1895 Bancorp of Wisconsin, Inc. His background includes extensive experience in the financial services industry, with a focus on community banking. He has held various leadership positions within the banking sector, demonstrating expertise in strategic planning, risk management, and customer relationship management. Ball's experience also encompasses a deep understanding of the local market and the needs of community businesses and residents.
Track Record: Under David R. Ball's leadership, 1895 Bancorp of Wisconsin, Inc. has focused on maintaining a strong community presence and providing personalized service to its customers. Key achievements include navigating the challenges of a changing regulatory environment and maintaining a stable financial performance. Strategic decisions have centered on expanding the bank's loan portfolio and enhancing its digital banking capabilities.
BCOW OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that 1895 Bancorp of Wisconsin, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors and may be subject to greater risks due to less stringent regulatory oversight. Trading on the OTC Other tier typically involves higher levels of speculation and potential for price volatility compared to exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price volatility.
- Potential for fraud or manipulation is higher on the OTC Other tier.
- Lack of regulatory oversight increases investment risk.
- Company may not meet minimum listing standards of major exchanges.
- Verify the company's registration and legal status.
- Obtain and review available financial statements.
- Assess the company's business model and competitive landscape.
- Evaluate the management team's experience and track record.
- Understand the company's capital structure and ownership.
- Check for any regulatory actions or legal disputes.
- Consult with a financial advisor before investing.
- Longevity of operations as PyraMax Bank since 1895.
- Physical presence with multiple banking offices in Wisconsin.
- FDIC insurance coverage for deposits.
- CEO with relevant experience in the banking industry.
- Focus on serving the local community.
What Investors Ask About 1895 Bancorp of Wisconsin, Inc. (BCOW) — Financial Services
What does the AI Score mean for BCOW?
BCOW holds an AI Score of 50/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. 1895 Bancorp of Wisconsin, Inc. is the holding company for PyraMax Bank, FSB, offering a range of financial services in southeastern Wisconsin. The company focuses on traditional banking products …
What does 1895 Bancorp of Wisconsin, Inc. do?
1895 Bancorp of Wisconsin, Inc. functions as the holding company for PyraMax Bank, FSB, a community bank providing a range of financial services to individuals and businesses in southeastern Wisconsin.
What do analysts say about BCOW stock?
As of 2026-03-17, formal analyst coverage of 1895 Bancorp of Wisconsin, Inc. (BCOW) appears limited, likely due to its size and OTC listing. Key valuation metrics include a market capitalization of $91.3M and a P/E ratio of 38.36. Growth considerations center on the company's ability to expand its loan portfolio, enhance its digital banking capabilities, and manage its operating expenses.
What are the main risks for BCOW?
The main risks for 1895 Bancorp of Wisconsin, Inc. include competition from larger regional and national banks, which have greater resources and broader product offerings. Economic downturns could negatively impact loan quality and reduce demand for banking services. Regulatory changes in the financial industry could increase compliance costs and limit the bank's ability to generate revenue.
What are the key factors to evaluate for BCOW?
1895 Bancorp of Wisconsin, Inc. (BCOW) holds an AI score of 50/100 (moderate). Investing in 1895 Bancorp of Wisconsin, Inc. Not financial advice.
How frequently does BCOW data refresh on this page?
BCOW's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven BCOW's recent stock price performance?
1895 Bancorp of Wisconsin, Inc. (BCOW) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in southeastern Wisconsin. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BCOW overvalued or undervalued right now?
1895 Bancorp of Wisconsin, Inc. (BCOW) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research BCOW before investing?
Before investing in 1895 Bancorp of Wisconsin, Inc. (BCOW), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage may affect the accuracy of financial metrics.
- OTC market investments carry higher risk than exchange-listed stocks.