1895 Bancorp of Wisconsin, Inc. Financial Ratios — BCOW

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	4.27	-0.05	1.12	3.22	0.2	-0.36	-18	-2.63	4.2
Return on Assets (%)	- -	0.36	- -	0.1	0.28	0.02	-0.03	-1.23	-0.16	0.24
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.4	4.67	4.29	4.5	3.44	3.85	3.55	4.79	3.03	2.43
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	8.21	-12.19	-1.27	2.85	15.87	0.12	-1.89	-62.31	-9.44	9.05
Profit Margin (%)	8.21	11.22	-0.12	2.91	6.85	0.5	-0.88	-66.09	-5.83	7.91
Net Income to Common Margin (%)	8.21	11.22	-0.12	2.91	6.85	0.5	-0.88	-66.09	-5.83	7.91
Effective Tax Rate (%)	- -	- -	- -	- -	56.86	- -	- -	- -	- -	12.62
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	4.27	-0.05	1.12	3.22	0.2	-0.36	-18	-2.63	4.2

Credit (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	48	35	30	18	68	55	71	71	92	112
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	48	35	30	18	68	55	71	71	92	112
Total Debt/EBITDA	71.87	50.21	45.26	25.36	103.48	84.77	119.11	144.32	200.43	256.96
Net Debt/EBITDA	60.74	32.12	33.53	8.8	-29.62	-15.07	75.72	121.52	181.67	218.35
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.44	8.49	8.27	9.41	8.05	7.72	7.65	6.09	5.77	5.75
Long-Term Debt/Equity (%)	129.15	88.97	78.6	30.04	113.98	61	94.83	97.59	129.09	156.16
Long-Term Debt/Capital (%)	55.93	46.58	43.01	30.44	62.19	57.09	63.25	67.65	73.51	76.5
Long-Term Debt/Total Assets (%)	10.71	7.41	6.24	4.12	13.24	10.27	13.16	12.73	16.02	18.71
Total Debt/Equity (%)	129.15	88.97	78.6	30.04	113.98	61	94.83	97.59	129.09	156.16
Total Debt/Capital (%)	55.93	46.58	43.01	30.44	62.19	57.09	63.25	67.65	73.51	76.5
Total Debt/Total Assets (%)	10.71	7.41	6.24	4.12	13.24	10.27	13.16	12.73	16.02	18.71
Net Debt to Equity	109.15	56.92	58.22	10.43	-32.63	-10.85	60.29	82.17	117.01	132.7
Net Debt/Capital (%)	51.75	35.81	35.86	13.19	-89	-30.98	52.25	63.78	71.56	73.45
EBITDA	1	1	1	1	1	1	1	- -	- -	- -
EBITDA-CapEx	1	1	1	1	1	1	1	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.44	8.49	8.27	9.41	8.05	7.72	7.65	6.09	5.77	5.75
Long-Term Debt/Equity (%)	129.15	88.97	78.6	30.04	113.98	61	94.83	97.59	129.09	156.16
Long-Term Debt/Capital (%)	55.93	46.58	43.01	30.44	62.19	57.09	63.25	67.65	73.51	76.5
Long-Term Debt/Total Assets (%)	10.71	7.41	6.24	4.12	13.24	10.27	13.16	12.73	16.02	18.71
Total Debt/Equity (%)	129.15	88.97	78.6	30.04	113.98	61	94.83	97.59	129.09	156.16
Total Debt/Capital (%)	55.93	46.58	43.01	30.44	62.19	57.09	63.25	67.65	73.51	76.5
Total Debt/Total Assets (%)	10.71	7.41	6.24	4.12	13.24	10.27	13.16	12.73	16.02	18.71
CFO/Total Liabilities	0.41	0.08	-0.15	0.26	0.28	0.62	0.55	-0.15	0.11	0.76
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	0.15	0.15	0.15	0.25	0.21	0.23	0.21	0.15	0.17	0.18

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	12.44	13.33	14.93	20.51	18.25	15.33	7.31	9.38	10.55
Days Sales Outstanding	- -	29.34	27.39	24.45	17.79	20	23.81	49.92	38.93	34.61
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	51	46	70	58	39	54	57
- Cash & Cash Equivalents	7	12	8	12	88	65	26	11	9	17
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	48	35	30	18	68	55	71	71	92	112
Enterprise Value	-56	-67	-44	-15	-32	-52	-11	-11	30	57
Total Capital	86	74	70	58	110	97	113	105	125	147
Total Debt/Capital (%)	55.93	46.58	43.01	30.44	62.19	57.09	63.25	67.65	73.51	76.5
Total Debt / EV	-0.87	-0.52	-0.69	-1.21	-2.13	-1.06	-6.32	-6.4	3.08	1.98
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	1.98	3.16
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	65.17	129.84
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	55.27	14.1
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	55.27	14.1
Diluted Market Cap	- -	- -	- -	51	47	70	58	39	54	59
Diluted Enterprise Value	41	22	22	57	27	60	103	98	138	154
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	5.48	11.07
TTM Sales	15	15	15	15	19	17	17	10	15	18
TTM EBITDA	1	1	1	1	1	1	1	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	- -	-1	1	1	3	3	-1	1	4
TTM Free Cash Flow to Firm	2	- -	-1	1	1	3	3	-1	1	4

Multiples (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	53.6	36.86	25.22	22.34	-54.56	100.86	14.55
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-56	-67	-44	-15	-32	-52	-11	-11	30	57
Low Price	- -	- -	- -	7.07	6.1	7.1	9.71	6	6.69	8.67
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	1.98	3.16
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	65.17	129.84
Price/Earnings	- -	- -	- -	112.93	35.11	823.92	- -	- -	- -	40.44
Price/Earnings Average	- -	- -	- -	97.98	31.65	885.04	-410.13	-6.22	-52.22	37.46
Price/Earnings High	- -	- -	- -	113.67	42.35	1,248.26	-458.5	-8.23	-64.6	41.12
Price/Earnings Low	- -	- -	- -	74.11	21.51	532.09	-378.9	-4.89	-41.36	31.3
Price/Book Value	- -	- -	- -	1.26	1.11	1.68	1.39	1.14	1.65	1.66
Price/Book Value Average	- -	- -	- -	1.09	1	1.8	1.46	1.24	1.39	1.54
Price/Book Value High	- -	- -	- -	1.27	1.34	2.55	1.63	1.65	1.72	1.69
Price/Book Value Low	- -	- -	- -	0.83	0.68	1.09	1.35	0.98	1.1	1.29
Price/Tangible Book Value	- -	- -	- -	0.9	0.79	0.79	0.79	0.54	0.78	0.82
Price/Tangible Book Value Average	- -	- -	- -	0.78	0.72	0.85	0.83	0.59	0.66	0.76
Price/Tangible Book Value High	- -	- -	- -	0.9	0.96	1.19	0.92	0.79	0.82	0.83
Price/Tangible Book Value Low	- -	- -	- -	0.59	0.49	0.51	0.76	0.47	0.52	0.63
Price/Sales	- -	- -	- -	3.28	2.4	4.13	3.42	3.76	3.61	3.2
Price/Sales Average	- -	- -	- -	2.85	2.17	4.43	3.59	4.11	3.05	2.96
Price/Sales High	- -	- -	- -	3.3	2.9	6.25	4.02	5.44	3.77	3.25
Price/Sales Low	- -	- -	- -	2.15	1.47	2.66	3.32	3.23	2.41	2.47
Price/Cash Flow	- -	- -	- -	53.6	36.52	25.22	22.34	-54.56	100.86	14.27
Price/Cash Flow Average	- -	- -	- -	46.5	32.92	27.09	23.48	-59.59	85.2	13.22
Price/Cash Flow High	- -	- -	- -	53.95	44.05	38.21	26.25	-78.83	105.4	14.51
Price/Cash Flow Low	- -	- -	- -	35.18	22.37	16.29	21.69	-46.83	67.47	11.05
Price/Free Cash Flow Average	- -	- -	- -	46.5	33.23	27.09	23.48	-59.59	85.2	13.48
Price/Free Cash Flow High	- -	- -	- -	53.95	44.46	38.21	26.25	-78.83	105.4	14.79
Price/Free Cash Flow Low	- -	- -	- -	35.18	22.58	16.29	21.69	-46.83	67.47	11.26
EV/Sales Average	2.67	1.5	1.44	3.24	1.15	3.85	6.28	9.93	8.56	8.27
EV/Sales High	2.67	1.5	1.44	3.7	1.88	5.67	6.7	11.26	9.28	8.56
EV/Sales Low	2.67	1.5	1.44	2.55	0.45	2.08	6.01	9.05	7.92	7.79
EV/EBITDA Average	60.74	32.12	33.53	72.1	33.44	99.95	176.89	207.39	282.12	340.08
EV/EBITDA High	60.74	32.12	33.53	82.23	54.76	147.16	188.82	235.12	305.94	351.98
EV/EBITDA Low	60.74	32.12	33.53	56.68	13.23	54.08	169.19	189.01	261.23	320.07
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	10.78	9.96	10.99	10	6.99	10	11.2
High Price	- -	- -	- -	10.85	12.01	16.65	11.75	10.1	10.45	11.39
Enterprise Value Average	41	22	22	50	22	65	106	102	129	149
Enterprise Value High	41	22	22	57	36	96	113	116	140	154
Enterprise Value Low	41	22	22	39	9	35	102	93	120	140

Shares Outstanding	3	3	3	5	5	6	6	6	6	5
Diluted Weighted Avg Shares	3	3	3	5	5	6	6	6	5	5
Basic Weighted Avg Shares	3	3	3	5	5	6	6	6	5	5
Revenue per Share	4.77	4.62	4.83	3.28	4.14	2.66	2.93	1.86	2.77	3.5
EBITDA per Share	0.21	0.22	0.21	0.15	0.14	0.1	0.1	0.09	0.08	0.09
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.39	0.52	-0.01	0.1	0.28	0.01	-0.03	-1.23	-0.16	0.28
Basic EPS from Cont Ops	0.39	0.52	-0.01	0.1	0.28	0.01	-0.03	-1.23	-0.16	0.28
Diluted EPS, GAAP	0.39	0.52	-0.01	0.1	0.28	0.01	-0.03	-1.23	-0.16	0.27
Diluted EPS from Cont Ops	0.39	0.52	-0.01	0.1	0.28	0.01	-0.03	-1.23	-0.16	0.27
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.53	0.1	-0.21	0.2	0.27	0.44	0.45	-0.13	0.1	0.78
Free Cash Flow per Basic Share	0.53	0.1	-0.21	0.2	0.27	0.44	0.45	-0.13	0.1	0.78
Cash & Equivalents per Share	32.47	31.7	22.97	17.62	31.6	27.89	24.33	21.83	21.37	22.04
Book Value per Share	11.87	12.43	12.42	8.56	8.96	6.54	7.19	6.14	6.07	6.73
Tangible Book Value per Share	10.91	11.47	11.27	12.01	12.54	13.94	12.73	12.84	12.76	13.73

1895 Bancorp of Wisconsin, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)