Home Bancorp Wisconsin, Inc. (HWIS) 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.
Home Bancorp Wisconsin, Inc. (HWIS) trades at $28.09. Home Bancorp Wisconsin, Inc. , operating as Home Savings Bank, provides community banking services in Madison, Wisconsin. Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 18, 2026Analyst Coverage for HWIS: HWIS 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 HWIS against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
Not enough scored data yet to form a council read on HWIS.
How is this calculated? →Home Bancorp Wisconsin, Inc. (HWIS) Financial Services Profile
Home Bancorp Wisconsin, Inc., through its Home Savings Bank, delivers community banking services in Madison, Wisconsin, offering deposit accounts and diverse loan products. With a high P/E ratio of 112.05 and a profit margin of 4.1%, the company operates in a competitive regional banking landscape, focusing on traditional banking relationships.
What Is the Investment Thesis for HWIS?
Home Bancorp Wisconsin, Inc. presents a focused investment case centered on its established presence in the Madison, Wisconsin, community banking sector. The company's high P/E ratio of 112.05 suggests that the market has high expectations for future earnings growth, though the 4.1% profit margin warrants careful monitoring. Key to the investment thesis is the company's ability to maintain and grow its loan portfolio while managing credit risk effectively. Upcoming catalysts include potential interest rate adjustments and their impact on net interest margin. Value drivers include efficient cost management and strategic deployment of capital to enhance shareholder value. However, potential risks include increasing competition from larger regional and national banks and the impact of economic downturns on loan performance.
Based on FMP financials and quantitative analysis
HWIS Key Highlights
P/E ratio of 112.05 indicates a high valuation relative to earnings, suggesting investor expectations for future growth.
- Profit margin of 4.1% reflects the company's profitability in a competitive banking environment.
- Gross margin of 100.0% indicates that the company's revenue is entirely from services, with no cost of goods sold.
- Beta of 0.66 suggests lower volatility compared to the overall market.
- The company offers a comprehensive suite of banking products and services, from deposit accounts to various loan types, targeting both individual and business customers.
Who Are HWIS's Competitors?
HWIS is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BRBW Brunswick Bancorp | $16.00 | +0.00% | $23.6M | 49 |
| CBOF CBOA Financial, Inc. | $2.27 | -1.30% | $23.2M | 49 |
| CNBA Chester Bancorp, Inc. | $5.85 | +0.00% | $26.1M | 45 |
| CSKL Catskill Hudson Bancorp, Inc. | $40.15 | +0.38% | $28.4M | 45 |
| EFBI Eagle Financial Bancorp, Inc. | $17.32 | -0.52% | $20.8M | 46 |
| USB U.S. Bancorp | $62.61 | -0.33% | $97.5B | 96 |
| FHN First Horizon Corporation | $24.87 | -3.68% | $11.8B | 92 |
| ZION Zions Bancorporation, National Association | $68.39 | +0.15% | $9.98B | 98 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HWIS's Key Strengths?
Long-standing presence in the Madison, Wisconsin market.
- Strong focus on community banking and customer service.
- Diverse range of deposit and loan products.
- Experienced management team.
What Are HWIS's Weaknesses?
Limited geographic footprint.
- Smaller size compared to larger regional and national banks.
- Reliance on traditional banking services.
- High P/E ratio relative to peers.
What Could Drive HWIS Stock Higher?
Potential interest rate adjustments by the Federal Reserve could impact net interest margin.
- Expansion of digital banking services to attract new customers and improve customer retention.
- Strategic partnerships with local businesses to generate new revenue streams.
- Targeted marketing campaigns to increase brand awareness and generate new leads.
What Are the Key Risks for HWIS?
Economic downturns impacting loan performance and increasing credit risk.
- Increasing competition from larger regional and national banks.
- Regulatory changes impacting banking operations and compliance costs.
- Cybersecurity threats and data breaches compromising customer information.
- Fluctuations in interest rates affecting profitability.
What Are the Growth Opportunities for HWIS?
- Expansion of Digital Banking Services: Home Bancorp Wisconsin, Inc. can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile banking platforms. This includes offering a wider range of digital services, such as online account opening, mobile check deposit, and personalized financial management tools. The market for digital banking is expected to continue growing, driven by increasing smartphone penetration and changing consumer preferences. A successful digital transformation could attract new customers and improve customer retention, leading to increased deposits and loan volume. Timeline: Ongoing.
- Strategic Partnerships with Local Businesses: Home Bancorp Wisconsin, Inc. can foster growth by forming strategic partnerships with local businesses in the Madison area. This could involve offering customized banking solutions, such as commercial loans, lines of credit, and cash management services, tailored to the specific needs of local businesses. By becoming a trusted financial partner for local businesses, the company can strengthen its ties to the community and generate new revenue streams. Timeline: Ongoing.
- Targeted Marketing Campaigns to Attract New Customers: Home Bancorp Wisconsin, Inc. can implement targeted marketing campaigns to attract new customers in specific demographic segments. This could involve advertising in local media, sponsoring community events, and offering special promotions to new customers. By focusing its marketing efforts on specific target groups, the company can increase its brand awareness and generate new leads. Timeline: Ongoing.
- Expansion into Adjacent Markets: Home Bancorp Wisconsin, Inc. could explore opportunities to expand its operations into adjacent markets within Wisconsin. This could involve opening new branches in underserved areas or acquiring smaller community banks. By expanding its geographic footprint, the company can reach a wider customer base and increase its market share. Timeline: Potential within 3-5 years.
- Development of Specialized Loan Products: Home Bancorp Wisconsin, Inc. can develop specialized loan products tailored to the needs of specific customer segments. This could include offering green loans for energy-efficient home improvements, or loans for small businesses in emerging industries. By offering unique and innovative loan products, the company can differentiate itself from competitors and attract new customers. Timeline: Ongoing.
What Are HWIS's Competitive Advantages?
- Established local presence and brand recognition in Madison, Wisconsin.
- Long-standing customer relationships built over decades.
- Focus on community banking and personalized service.
- Deep understanding of the local market and customer needs.
What Does HWIS Do?
Home Bancorp Wisconsin, Inc. was founded in 1895 and serves as the holding company for Home Savings Bank, a community-focused bank operating primarily in Madison, Wisconsin. The bank provides a range of traditional banking services, including accepting demand deposits, money market accounts, savings accounts, checking accounts, club accounts, certificate of deposit accounts, and even specialized accounts like 'Homer's Club for Kids.' In addition to deposit services, Home Savings Bank offers a variety of loan products tailored to the needs of its community. These include one-to four-family residential real estate loans, commercial and multi-family real estate loans, home equity loans, construction loans, and consumer loans. The bank also provides investment property financing, commercial mortgages, lines of credit, and term loans, catering to both individual and business clients. To enhance customer convenience, Home Savings Bank offers cash management services, business online banking, and mobile deposit services. The company's long-standing presence in the Madison area underscores its commitment to serving the local community with personalized banking solutions.
What Products and Services Does HWIS Offer?
- Accepts demand deposits from customers.
- Offers money market and savings accounts.
- Provides checking accounts and club accounts.
- Offers certificates of deposit (CDs).
- Provides credit cards to customers.
- Offers one-to four-family residential real estate loans.
- Provides commercial and multi-family real estate loans.
- Offers home equity and construction loans.
How Does HWIS Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services such as cash management and online banking.
- Profits from the spread between deposit interest paid and loan interest earned.
What Industry Does HWIS Operate In?
Home Bancorp Wisconsin, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Regional banks like Home Savings Bank face competition from larger national banks, credit unions, and online lenders. Market trends include increasing adoption of digital banking services and a focus on personalized customer experiences. The company's success depends on its ability to differentiate itself through superior customer service, competitive pricing, and effective risk management.
Who Are HWIS's Key Customers?
- Individuals seeking personal banking services.
- Families needing mortgages and home equity loans.
- Small businesses requiring commercial loans and lines of credit.
- Real estate investors seeking investment property financing.
Key Financial Metrics
Return on equity for Home Bancorp Wisconsin, Inc. stands at 1.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.1%, showing how much profit it generates from its asset base. HWIS trades at a trailing price-to-earnings ratio of 112.05, above the Financial Services sector average of ~18x. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.9%, the inverse of the P/E and a quick read on earnings relative to price.
Company Profile
Home Bancorp Wisconsin, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Madison, US. The company is led by CEO James R. Bradley Jr.. HWIS has traded publicly since 2014.
HWIS Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe in its growth potential.
- Community sentiment has shifted positively as discussions around the company's strategic initiatives have increased among investors.
- Analysts have highlighted the strength of Home Bancorp's local market presence, suggesting resilience in a competitive landscape.
- Recent developments in the housing market have led to increased mortgage activity, benefiting banks like Home Bancorp.
Bear Case
- Concerns about rising interest rates have led to skepticism about the sustainability of profit margins for banks, including Home Bancorp.
- Recent community sentiment has shown some apprehension regarding the company's exposure to potential economic downturns, impacting investor confidence.
- Negative discussions around regulatory pressures in the banking sector have raised caution among investors about future profitability.
- Insider selling activity has raised red flags for some investors, suggesting that not all executives share the same level of confidence in the company's direction.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HWIS Latest News
No recent news available for HWIS.
HWIS Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HWIS.
Price Targets
Wall Street price target analysis for HWIS.
HWIS MoonshotScore
What does this score mean?
The MoonshotScore rates HWIS 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: James R. Bradley Jr.
CEO
James R. Bradley Jr. serves as the CEO of Home Bancorp Wisconsin, Inc. His career reflects a deep understanding of community banking and financial services. He has held various leadership positions within the banking sector, focusing on strategic planning, risk management, and customer relationship management. Bradley's experience includes overseeing branch operations, developing new business strategies, and ensuring compliance with regulatory requirements. He is committed to serving the local community and fostering a culture of excellence within the organization.
Track Record: Under James R. Bradley Jr.'s leadership, Home Bancorp Wisconsin, Inc. has maintained a strong focus on community banking and customer service. He has overseen the implementation of new technologies to enhance the customer experience and improve operational efficiency. Bradley has also played a key role in managing the company's loan portfolio and ensuring its financial stability. His strategic decisions have contributed to the company's long-term success and its commitment to serving the local community.
HWIS OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Home Bancorp 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 financial reporting, making it more difficult for investors to assess their financial health and performance. Investing in OTC Other stocks carries higher risks due to the lack of regulatory oversight and potential for fraud or manipulation. Investors should exercise extreme caution and conduct thorough due diligence before investing in these securities.
- OTC Tier: OTC Other
- Limited financial disclosure and transparency.
- Low trading volume and liquidity.
- Potential for price manipulation and fraud.
- Higher risk of financial distress or bankruptcy.
- Lack of regulatory oversight and investor protection.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Review the company's legal and regulatory filings.
- Understand the risks associated with investing in OTC stocks.
- Consult with a qualified financial advisor.
- Check for any red flags or warning signs.
- Long operating history in the community.
- Membership in reputable industry associations.
- Positive customer reviews and testimonials.
- Audited financial statements (if available).
- Active engagement with investors and stakeholders.
What Investors Ask About Home Bancorp Wisconsin, Inc. (HWIS) — Financial Services
What does Home Bancorp Wisconsin, Inc. do?
Home Bancorp Wisconsin, Inc., through its subsidiary Home Savings Bank, provides a range of community banking services to individuals and businesses in Madison, Wisconsin. These services include accepting deposits, offering various loan products (such as residential mortgages, commercial real estate loans, and consumer loans), and providing cash management services. The company focuses on building long-term relationships with its customers and supporting the local community through its banking activities.
What do analysts say about HWIS stock?
As of March 18, 2026, there is no readily available analyst consensus on Home Bancorp Wisconsin, Inc. (HWIS) due to its OTC Other listing and limited analyst coverage. Key valuation metrics include a high P/E ratio of 112.05 and a profit margin of 4.1%.
What are the main risks for HWIS?
Home Bancorp Wisconsin, Inc. faces several risks, including increasing competition from larger banks and credit unions, potential economic downturns impacting loan performance, and regulatory changes affecting banking operations. As an OTC-listed company, HWIS also faces risks related to limited financial disclosure, low trading volume, and potential price manipulation. Investors should carefully consider these risks before investing in HWIS.
What are the key factors to evaluate for HWIS?
Evaluate HWIS on fundamentals, analyst consensus, and risk factors. Home Bancorp Wisconsin, Inc. presents a focused investment case centered on its established presence in the Madison, Wisconsin, community banking sector. Not financial advice.
How frequently does HWIS data refresh on this page?
HWIS'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 HWIS's recent stock price performance?
Home Bancorp Wisconsin, Inc. (HWIS) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing presence in the Madison, Wisconsin market. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HWIS overvalued or undervalued right now?
Home Bancorp Wisconsin, Inc. (HWIS) 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 HWIS before investing?
Before investing in Home Bancorp Wisconsin, Inc. (HWIS), 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.
- Information is based on available financial data and company descriptions.
- OTC market data may be limited and less reliable than exchange-listed data.