1895 of Wisconsin Inc Bancorp (BCOW) fair value: what the stock is really worth
As of Oct 29, 2026: fair value (intrinsic value) of 1895 of Wisconsin Inc Bancorp stock $7.15, price $13.95, that is 48.7% below the price, quality 57 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range $6.00 – $17.88 · fair‑value band $5.36 – $8.93 · the $13.95 price screens above the $7.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.
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1895 Bancorp of Wisconsin, Inc. operates as a holding company for PyraMax Bank, FSB that provides a range of financial services to commercial and retail customers. It provides checking, savings, certificate of deposits, and money market accounts.
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The company offers home equity, commercial, residential, and consumer loans; and one-to-four-family mortgages, as well as accept deposits from individual customers and small businesses in the metropolitan. 1895 Bancorp of Wisconsin, Inc. was founded in 1892 and is headquartered in Greenfield, Wisconsin.
Stock analysis
1895 of Wisconsin Inc Bancorp (BCOW) currently trades at $13.95, while our model-based Fair Value estimate is $7.15, 49% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $9.17 per share, and 0 of the 4 models we run sit above the $13.95 price.
Bear case: the Multiples group reads lowest at $7.15, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $5.36 (bear) to $8.93 (bull), the price of $13.95 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
1895 of Wisconsin Inc Bancorp reported revenue of $30.3M in FY2025 versus $18.5M in FY2021, a compound +13.1%/yr. Reported net income was $1.4M in FY2025, compounding +102.2%/yr from FY2021.
Key figures
Market cap $71.0M Micro · P/E ratio 63.4 · P/S ratio 2.97 · EPS (TTM) $0.2200 · Net margin 4.7% · Return on equity −4.6% · Return on assets (EBIT) −0.2% (5-year average) · Operating margin −10.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 15 out of 100 (low confidence).
What moves the price
The share trades about 22% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −49%, BCOW screens richer than that median.
Fair Value models
Bear$5.36Fair Value $7.15Bull$8.93
Price $13.95 · Downside -48.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.1887 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.72/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.3%
Start year 2020 (pandemic). Over 10 years: +6.0% a year
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.9%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
≈ +23.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +23.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 23.3% / 0.6%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 5%
⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 0.095 per share, median 0.26 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside−48.7% · Bottom 25%
Profitability
Return on assets0.2% · Bottom 25%
Net margin (12 months)4.7% · Bottom 25%
Operating margin (12 months)−10.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)116.8% · Top 25%
Dividend yield (12 months)0.0% · Bottom 25%
Balance sheet
Debt / equity1.56× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "1895 of Wisconsin Inc Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/BCOW
Frequently asked questions
Is 1895 of Wisconsin Inc Bancorp (BCOW) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of $7.15 versus the last price from Oct 29, 2026 of $13.95, about 49% lower (overvalued).
What is the fair value of BCOW?
Our model-based fair value for 1895 of Wisconsin Inc Bancorp is $7.15 (as of Nov 9, 2026), built from audited fundamentals. Last price (from Oct 29, 2026): $13.95.
What is the quality score of BCOW?
1895 of Wisconsin Inc Bancorp has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for 1895 of Wisconsin Inc Bancorp (BCOW)?
Our model-based price target is the fair value of $7.15 (as of Nov 9, 2026) from 4 valuation models. Cautious scenario $5.36, optimistic scenario $8.93. It is a calculation from audited fundamentals, not an analyst target.
What is the 1895 of Wisconsin Inc Bancorp stock forecast for 2026?
Our models put fair value at $7.15, about 49% lower versus the last price from Oct 29, 2026 of $13.95 (overvalued). Cautious scenario $5.36, optimistic scenario $8.93. The calculation is refreshed regularly with new filings.
What is the revenue of 1895 of Wisconsin Inc Bancorp (BCOW)?
1895 of Wisconsin Inc Bancorp reported trailing-twelve-month revenue of about $11.8M (latest available figure, as of Nov 9, 2026).
What is the intrinsic value of 1895 of Wisconsin Inc Bancorp (BCOW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For 1895 of Wisconsin Inc Bancorp it is $7.15 per share (as of Nov 9, 2026), against a price of $13.95. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is 1895 of Wisconsin Inc Bancorp stock overvalued or undervalued in 2026?
As of Nov 9, 2026, BCOW trades above its calculated fair value: price $13.95, fair value $7.15, a gap of about −49% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BCOW?
No. The price is what the market pays today ($13.95); the fair value is what the company's own numbers justify ($7.15). For 1895 of Wisconsin Inc Bancorp the two are $6.80 per share apart. That gap is exactly why we show both numbers side by side.
How much is 1895 of Wisconsin Inc Bancorp worth?
The market values 1895 of Wisconsin Inc Bancorp at about $71.0M (market capitalisation, as of Nov 9, 2026). Per share that is $13.95; our models calculate a fair value of $7.15 per share.
What do the bullish and bearish scenarios say about BCOW?
Our models span a range for 1895 of Wisconsin Inc Bancorp: cautious scenario $5.36, base $7.15, optimistic $8.93 per share (as of Nov 9, 2026, price $13.95). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BCOW?
1895 of Wisconsin Inc Bancorp trades at a price-to-earnings ratio of 63.4 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $7.15 is built from several models across several years. Other multiples: P/B 1.0, P/S 6.0, EV/EBITDA 80.7.
How solid is the balance sheet of 1895 of Wisconsin Inc Bancorp (BCOW)?
Balance-sheet figures for 1895 of Wisconsin Inc Bancorp (as of Nov 9, 2026): return on equity −4.6%, debt of 1.56 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is BCOW from its 52-week high?
1895 of Wisconsin Inc Bancorp trades at $13.95, about 22% below its 52-week high of $17.88 and 37% above the low of $10.15 (as of Oct 29, 2026). Distance from the high says nothing about value: that is what the fair value of $7.15 is for.
Which stocks are comparable to 1895 of Wisconsin Inc Bancorp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is 1895 of Wisconsin Inc Bancorp stock attractive at the current price?
The data as of Nov 9, 2026: price $13.95, calculated fair value $7.15 (−49%), Quality Score 57/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BCOW calculated?
We run 1895 of Wisconsin Inc Bancorp through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $7.15 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. 1895 of Wisconsin Inc Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of 1895 of Wisconsin Inc Bancorp (BCOW)?
The latest price we hold is from Oct 29, 2026 and stands at $13.95. Our model-based fair value is $7.15, about 49% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with 1895 of Wisconsin Inc Bancorp right now?
The price sits above even our optimistic bull case ($8.93). The favourable scenario is already priced in. Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of 1895 of Wisconsin Inc Bancorp
How large is the market capitalisation of 1895 of Wisconsin Inc Bancorp (BCOW)?
The market capitalisation of 1895 of Wisconsin Inc Bancorp is $71.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of 1895 of Wisconsin Inc Bancorp (BCOW)?
The price-to-sales ratio of 1895 of Wisconsin Inc Bancorp is 2.97 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of 1895 of Wisconsin Inc Bancorp (BCOW)?
Earnings per share at 1895 of Wisconsin Inc Bancorp are $0.2200 (price ÷ EPS = P/E 63.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of 1895 of Wisconsin Inc Bancorp (BCOW)?
The net margin of 1895 of Wisconsin Inc Bancorp is 4.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of 1895 of Wisconsin Inc Bancorp (BCOW)?
The return on equity (ROE) of 1895 of Wisconsin Inc Bancorp is −4.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of 1895 of Wisconsin Inc Bancorp (BCOW)?
On an EBIT basis the return on assets of 1895 of Wisconsin Inc Bancorp is −0.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of 1895 of Wisconsin Inc Bancorp (BCOW)?
The operating margin of 1895 of Wisconsin Inc Bancorp is −10.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at 1895 of Wisconsin Inc Bancorp (BCOW)?
Revenue at 1895 of Wisconsin Inc Bancorp is growing +117% versus a year earlier (3y avg +17.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at 1895 of Wisconsin Inc Bancorp (BCOW)?
Earnings per share at 1895 of Wisconsin Inc Bancorp are growing +83.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does 1895 of Wisconsin Inc Bancorp (BCOW) generate?
The free cash flow of 1895 of Wisconsin Inc Bancorp is $3.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does 1895 of Wisconsin Inc Bancorp (BCOW) carry?
The net debt of 1895 of Wisconsin Inc Bancorp is $95.5M (fiscal year 2025, ≈ 25.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 9, 2026