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1895 Bancorp of Wisconsin, Inc. (BCOW)

USD17.70 +0.04 (+0.23%)
US OTC Financial Services Banks - Regional
Address 7001 West Edgerton Avenue 53220
Greenfield, WI, US
CEO David J. Ball
IPO 2019-01-10
CIK 1847360 ISIN US28253R1059

Explore sections of this company profile

Description

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. 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.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD17.70 +0.04 (+0.23%)
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Volume Profile
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Liquidity & share structure
Average Volume
8.7K
Beta
0.04
Float Shares
4.33M
Free Float %
84.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.09% +0.00% -0.73% -2.25% +0.00% -3.13% +9.60% +59.56% -27.03% +13.02% +13.02%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
17.70
Quality scores
Altman Z-Score
-0.53
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +12.1% Q1'26: +5.3% (vs Q1'25)
  • EPS growth
    +268.8% Q1'26: +366.2% (vs Q1'25)
  • FCF margin
    Q1'26: +2.2% (vs Q1'25)
  • EBIT margin
    Q1'26: +6.0% (vs Q1'25)
  • ROIC
    Q1'26: +1.0% (vs Q1'25)
  • Share dilution
    -4.1% Q1'26: -3.5% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 63.09× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.04) × ERP
WACC = 34% × Ke + 66% × Kd (11.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 17.70
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 C 2/5 1/5 2/5 2/5 1/5 1/5 3/5
2026-05-26 C 2/5 1/5 2/5 2/5 1/5 1/5 3/5
2026-05-22 C 2/5 1/5 2/5 2/5 1/5 1/5 3/5
2026-05-21 C 2/5 1/5 2/5 2/5 1/5 1/5 3/5
2026-05-20 C 2/5 1/5 2/5 2/5 1/5 1/5 3/5
2026-05-19 C 2/5 1/5 2/5 2/5 1/5 1/5 3/5
2026-05-18 C 2/5 1/5 2/5 2/5 1/5 1/5 3/5
2026-05-15 C 2/5 1/5 2/5 2/5 1/5 1/5 4/5
2026-05-14 C 2/5 1/5 2/5 2/5 1/5 1/5 4/5
2026-05-13 C 2/5 1/5 2/5 2/5 1/5 1/5 4/5
2026-05-12 C 2/5 1/5 2/5 2/5 1/5 1/5 4/5
2026-05-11 C 2/5 1/5 2/5 2/5 1/5 1/5 4/5
2026-05-08 C 2/5 1/5 2/5 2/5 1/5 1/5 4/5
2026-05-06 C 2/5 1/5 2/5 2/5 1/5 1/5 4/5
2026-05-05 C 2/5 1/5 2/5 2/5 1/5 1/5 4/5
2026-05-04 C 2/5 1/5 2/5 2/5 1/5 1/5 4/5
2026-05-01 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-30 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-29 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-28 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-27 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-24 C 2/5 1/5 2/5 3/5 1/5 1/5 3/5
2026-04-23 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-22 C+ 2/5 1/5 2/5 3/5 1/5 1/5 4/5
2026-04-20 C+ 2/5 1/5 2/5 4/5 1/5 1/5 4/5
2026-04-17 C+ 2/5 1/5 2/5 4/5 1/5 1/5 4/5
2026-04-16 C+ 2/5 1/5 2/5 4/5 1/5 1/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.76M
OE per share TTM
0.50
Owner's Yield
5.00%
Maintenance CapEx ratio
898.52%
Maint CapEx / Avg PPE
29.3%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
1
Total invested
2.53M
Insider transactions (90d)
0
Beneficial owners (>5%)
9
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 13-4064930 543.6K 8.50% 543.6K 543.6K IA Delaware 2022-02-14
2 for the PyraMax Bank, FSB 401(k) Savings Plan and PyraMax Bank Employee Stock Ownership Plan 481.2K 7.52% 481.2K 481.2K EP Delaware 2022-01-26
3 The Vanguard Group - 23-1945930 450.3K 7.37% 449.6K 641.00 IA 2024-02-13
4 Jason A. Stock 339.0K 5.33% 339.0K IN UNITED STATES OF AMERICA 2022-05-19
5 M3 FUNDS, LLC 339.0K 5.33% 339.0K OO STATE OF DELAWARE, UNITED STATES OF AMERICA 2022-05-19
6 M3 PARTNERS, LP 339.0K 5.33% 339.0K PN STATE OF DELAWARE, UNITED STATES OF AMERICA 2022-05-19
7 M3F, INC. 339.0K 5.33% 339.0K IA, CO STATE OF UTAH, UNITED STATES OF AMERICA 2022-05-19
8 William C. Waller 339.0K 5.33% 339.0K IN UNITED STATES OF AMERICA 2022-05-19
9 Vanguard Index Funds - Vanguard Total Stock Market Index Fund - 23-2671505 331.2K 5.42% 331.2K IV 2024-02-13

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
1
+0 vs prev Q
New positions
0
Closed positions
0
Increased
1
Reduced
0
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 MALTESE CAPITAL MANAGEMENT LLC 225.8K +18.8K (+9.1%) 2.53M +231.7K (+10.1%) 4.46% +0.393 pp 0.45% +0.101 pp USD10.77 +4.0% 18 qtrs
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
2
Sells
0
Shares acquired
1.0K
Shares disposed
Cash buys
2.00
Cash sales
Net activity
+1,000
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2024-06-06 Harris Clarence Director P-Purchase A Common Stock 3 7.32 21.96 1,100
2024-05-31 Hill Kristina Director P-Purchase A Common Stock 515 7.49 3.9K 2,000
2024-05-31 Harris Clarence Director P-Purchase A Common Stock 97 7.30 708.10 1,097
2024-05-30 Harris Clarence Director P-Purchase A Common Stock 983 7.34 7.2K 1,000
2024-05-29 Harris Clarence Director P-Purchase A Common Stock 17 7.35 124.95 17
2023-12-01 Klitzing Steven T. Officer P-Purchase A Common Stock 300 6.25 1.9K 25,071
2023-11-17 Zenobi Gary Director P-Purchase A Common Stock 100 6.37 637.11 13,461
2023-11-13 Ball David R Director / Officer P-Purchase A Common Stock 800 6.30 5.0K 49,268
2023-10-28 Hurd Eric T. Officer D Stock Options 12,500 10.05 125.6K
2023-09-29 Harris Clarence Director D Common Stock 0 0.00 0
2023-07-01 Hill Kristina Director D Common Stock 0 0.00 0
2023-05-19 Ball David R Director / Officer P-Purchase A Common Stock 687 6.95 4.8K 48,468
2023-05-18 Klitzing Steven T. Officer P-Purchase A Common Stock 1,000 6.77 6.8K 24,771
2023-05-18 Ball David R Director / Officer P-Purchase A Common Stock 3 6.80 20.40 47,781
2023-05-17 Ball David R Director / Officer P-Purchase A Common Stock 58 6.55 379.90 47,778
2023-05-16 Ball David R Director / Officer P-Purchase A Common Stock 27 6.38 171.68 47,720
2023-04-24 Peterson Thomas K. Officer F-InKind D Common Stock 929 7.23 6.7K 7,012
2023-04-24 Kempel Daniel Officer F-InKind D Common Stock 140 7.23 1.0K 7,166
2023-04-24 Hurd Richard B Director / Officer F-InKind D Common Stock 2,779 7.23 20.1K 34,334
2023-04-24 Hurd Eric T. Officer F-InKind D Common Stock 117 7.23 845.91 7,227
2023-04-24 Baker Monica Officer F-InKind D Common Stock 1,429 7.23 10.3K 28,115
2023-02-26 Ball David R Director / Officer F-InKind D Common Stock 1,335 9.88 13.2K 46,610
2022-12-20 Ball David R Officer P-Purchase A Common Stock 3 9.90 29.70 47,945
2022-12-19 Ball David R Officer P-Purchase A Common Stock 22 9.90 217.80 47,942
2022-12-12 Ball David R Officer P-Purchase A Common Stock 500 10.00 5.0K 47,920
2022-12-09 Ball David R Officer P-Purchase A Common Stock 1 10.00 10.00 47,420
2022-12-07 Ball David R Officer P-Purchase A Common Stock 299 10.00 3.0K 47,419
2022-12-05 Ball David R Officer P-Purchase A Common Stock 500 10.10 5.1K 47,120
2022-11-28 Ball David R Officer P-Purchase A Common Stock 254 10.01 2.5K 46,620
2022-11-23 Ball David R Officer P-Purchase A Common Stock 24 10.15 243.60 46,366
2022-11-18 Hurd Richard B Officer A-Award A Common Stock 7,084 0.00 37,113
2022-11-18 Ball David R Officer P-Purchase A Common Stock 722 10.15 7.3K 46,342
2022-11-01 Hurd Eric T. Officer D Common Stock 0 0.00 7,344
2022-10-28 Klitzing Steven T. Officer A-Award A Common Stock 15,000 0.00 23,771
2022-10-28 Kempel Daniel Officer A-Award A Common Stock 5,000 0.00 7,306
2022-10-28 Ball David R Officer A-Award A Common Stock 31,878 0.00 45,620
2022-10-28 Baker Monica Officer A-Award A Common Stock 15,000 0.00 29,544
2022-09-14 Murphy Joseph G. Director S-Sale D Common Stock 1,000 10.14 10.1K 12,361
2022-09-02 Klitzing Steven T. Officer P-Purchase A Common Stock 495 9.93 4.9K 8,771
2022-08-27 Zenobi Gary Director A-Award A Common Stock 7,084 0.00 13,361
2022-08-27 Talsky John Director A-Award A Stock Options 17,710 0.00 17,710
2022-08-27 Spiegelberg James Director A-Award A Stock Options 17,710 9.91 175.5K 17,710
2022-08-27 Murphy Joseph G. Director A-Award A Stock Options 17,710 9.91 175.5K 17,710
2022-08-27 Francis Darrell A. Director A-Award A Common Stock 7,084 0.00 13,361
2022-06-09 Klitzing Steven T. Officer A-Award A Stock Options 18,955 0.00 18,955
2022-04-24 Peterson Thomas K. Officer F-InKind D Common Stock 1,009 10.88 11.0K 7,941
2022-04-24 Kempel Daniel Officer F-InKind D Common Stock 160 10.88 1.7K 2,306
2022-04-24 Hurd Richard B Officer F-InKind D Common Stock 2,951 10.88 32.1K 30,029
2022-04-24 Baker Monica Officer F-InKind D Common Stock 1,512 10.88 16.5K 14,544
2022-02-28 Ball David R Officer F-InKind D Common Stock 1,310 11.59 15.2K 13,742
2022-02-26 Ball David R Director / Officer D Stock Options 37,317 7.76 289.5K 0
2021-11-23 Klitzing Steven T. Officer 0 0.00 0
2021-11-10 Peterson Thomas K. Officer I-Discretionary D Common Stock 1,316 11.15 14.7K 0
2021-11-09 Peterson Thomas K. Officer S-Sale D Common Stock 1,210 11.20 13.6K 8,950
2021-10-31 Klitzing Steven T. Officer D Common Stock 0 0.00 0
2021-10-23 Kempel Daniel Officer Common Stock 0 0.00 318 I
2021-07-14 Zenobi Gary Director I Common Stock 0 0.00 4,290
2021-07-14 Talsky John Director D Common Stock 0 0.00 6,277
2021-07-14 Spiegelberg James Director D Common Stock 0 0.00 6,277
2021-07-14 Peterson Thomas K. Officer I Common Stock 0 0.00 1,316
2021-07-14 Murphy Joseph G. Director I Common Stock 0 0.00 9,897
2021-07-14 Mauer Charles Officer I Common Stock 0 0.00 692
2021-07-14 Krier Richard J Officer I Common Stock 0 0.00 572
2021-07-14 Hurd Richard B Director / Officer D Common Stock 0 0.00 32,981
2021-07-14 Francis Darrell A. Director D Common Stock 0 0.00 6,277
2021-07-14 Ball David R Director / Officer D Common Stock 0 0.00 15,053
2021-07-14 Baker Monica Director / Officer D Common Stock 0 0.00 16,056
2021-06-01 Mauer Charles Officer F-InKind D Common Stock 73 14.87 1.1K 927
2021-04-24 Peterson Thomas K. Officer F-InKind A Common Stock 780 14.49 11.3K 7,720
2021-04-24 Krier Richard J Officer D Stock Options 13,163 5.96 78.5K 0
2021-04-24 Kempel Daniel Officer Stock Options 6,581 5.96 39.2K 0 D
2021-04-24 Hurd Richard B Director / Officer D Stock Options 77,661 5.96 463.1K 0
2021-04-24 Baker Monica Director / Officer D Stock Options 43,437 5.96 259.0K 0
2021-03-28 Zenobi Gary Director D Stock Options 15,694 5.99 94.0K 0
2021-03-28 Talsky John Director D Stock Options 15,694 5.99 94.0K 0
2021-03-28 Spiegelberg James Director D Stock Options 15,694 5.99 94.0K 0
2021-03-28 Murphy Joseph G. Director D Stock Options 15,694 5.99 94.0K 0
2021-03-28 Francis Darrell A. Director D Stock Options 15,694 5.99 94.0K 0
2021-03-17 Murphy Joseph G. Director S-Sale D Common Stock 4,770 14.80 70.6K 6,230
2020-06-01 Mauer Charles Officer A-Award A Stock Options 8,000 8.76 70.1K 8,000
2020-04-24 Peterson Thomas K. Officer A-Award A Stock Options 17,500 7.85 137.4K 17,500
2020-03-28 Talsky John Director A-Award A Stock Options 11,923 7.88 94.0K 11,923
2020-03-28 Spiegelberg James Director A-Award A Stock Options 11,923 7.88 94.0K 11,923
2020-03-28 Murphy Joseph G. Director A-Award A Stock Options 11,923 7.88 94.0K 11,923
2020-03-28 Francis Darrell A. Director A-Award A Stock Options 11,923 7.88 94.0K 11,923
2019-05-21 Murphy Joseph G. Director P-Purchase A Common Stock 1,000 9.40 9.4K 11,000
2019-01-08 Talsky John Director D Common Stock 0 0.00 0
2019-01-08 Spiegelberg James Director I Common Stock 0 0.00 5,000
2019-01-08 Peterson Thomas K. Officer I Common Stock 0 0.00 1,000
2019-01-08 Murphy Joseph G. Director I Common Stock 0 0.00 10,000
2019-01-08 Mauer Charles Officer I Common Stock 0 0.00 1,000
2019-01-08 Francis Darrell A. Director I Common Stock 0 0.00 10,000

Executive team

Top executives
EBIT / Employee
18.5K
Shares Outstanding
5.14M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2023 David Ball President and Chief Executive Officer 327.1K 67.8K 394.9K 0.00%
2 2023 Monica Baker Executive Vice President—Chief Operating Officer 220.0K 45.5K 265.5K 0.00%
3 2023 Steven Klitzing Executive Vice President – Chief Financial Officer & Treasurer 220.0K 25.9K 245.9K 0.00%
4 2022 David Ball President and Chief Executive Officer 305.2K 90.7K 320.4K 283.8K 55.3K 1.06M 57.24%
5 2022 Monica Baker Executive Vice President—Chief Operating Officer 204.3K 61.3K 150.8K 131.8K 46.3K 594.3K 47.53%
6 2022 Steven Klitzing Executive Vice President – Chief Financial Officer & Treasurer 205.0K 61.5K 150.8K 131.8K 13.2K 562.2K 50.25%
7 2022 Richard Hurd Executive Vice President-Strategic Planning 140.5K 72.3K 69.3K 25.4K 307.5K 46.05%
8 2021 David Ball President and Chief Executive Officer 253.7K 87.0K 116.8K 78.3K 115.0K 650.8K 29.96%
9 2021 David Ball President and Chief Operating Officer 253.7K 87.0K 116.8K 78.3K 115.0K 650.8K 29.96%
10 2021 Richard Hurd Executive Vice President-Strategic Planning 290.9K 48.5K 339.4K 0.00%
11 2021 Richard Hurd Chief Executive Officer 290.9K 48.5K 339.4K 0.00%
12 2021 Monica Baker Executive Vice President—Chief Operating Officer 193.0K 57.9K 48.4K 299.4K 0.00%
13 2021 Monica Baker Senior Vice President and Chief Brand Officer 193.0K 57.9K 48.4K 299.4K 0.00%
14 2021 Steven Klitzing Executive Vice President – Chief Financial Officer & Treasurer 50.8K 50.0K 15.0K 115.8K 0.00%
15 2020 Richard Hurd Chief Executive Officer 305.9K 88.7K 184.5K 119.1K 37.9K 736.1K 41.24%
16 2020 Monica Baker Senior Vice President and Chief Brand Officer 197.1K 56.8K 104.8K 66.6K 37.2K 462.6K 37.06%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2024-04-15 DEF 14A
2023-04-14 DEF 14A
2022-07-18 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2025-03-17 15F-12B
2025-03-07 S-8 POS
2025-03-07 S-8 POS
2025-03-07 S-8 POS
2025-03-07 25
2025-02-18 8-K
2024-12-27 8-K
2024-11-08 10-Q
2024-09-09 8-K
2024-08-08 10-Q

Executive team

NameTitleCompensationGender
David R. Ball President, Chief Executive Officer & Director 394.9K male
Monica Baker Corporate Secretary, Executive Vice President, Chief Operating Officer, Chief Brand Officer & Director 265.5K female
Steven Thomas Klitzing Executive Vice President, Chief Financial Officer & Treasurer 245.9K male
Richard Hurd Executive Vice President, Strategic Planning Officer & Director 165.9K male
Eric T. Hurd Senior Vice President & Chief Lending Officer male
Daniel K. Kempel Senior Vice President & Chief Credit Officer male
Wesley Compton Controller
ESG Rating
B
BANKS - REGIONAL
Rank: 181 out of 350
2024
E (Environmental)
77.8 / 64.3
Company / Sector avg.
S (Social)
73.8 / 76.5
Company / Sector avg.
G (Governance)
74.1 / 75.5
Company / Sector avg.
ESG Total
75.2 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits