Stock fact sheet · data as of
1895 Bancorp of Wisconsin, Inc. (BCOW): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Growth
Is BCOW undervalued?
BCOW closed at 18.45 on 16 Oct 2026, more than 30% above the GLS average fair value of 11.52. Only 1 of the 7 models that produced a value sit above the price. By our models the shares are priced well beyond what the filed earnings, cash flow and book value support; the Sunday Scan drops names like this at the "below fair value" rule.
There is a wide gap between EPV (2.46) and Payback Time (21.93). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files BCOW under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for BCOW
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 8.37 | -55% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 12.67 | -31% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 5.54 | -70% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 13.56 | -27% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 16.09 | -13% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 21.93 | +19% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 2.46 | -87% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -98.23 | -632% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
1895 Bancorp of Wisconsin, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the Sunday Scan's "6 or more" rule with room to spare. A GLS Moat score of 3.2/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 0.8%, ROE 2.0%, ROA 0.2% - with debt at 1.56 times equity and negative free cash flow.
1895 Bancorp of Wisconsin, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 0.8% |
|---|---|---|---|
| GLS Moat | 3.2 / 10 | ROE | 2.0% |
| Debt / equity | 1.56 | ROA | 0.2% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 26: No options
No options are listed on 1895 Bancorp of Wisconsin, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 26) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 21k shares a day on a market cap of $95M, with a beta of -0.07 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 0 / 25 | -60% margin of safety | |
| Health | 16 / 20 | Piotroski 7/9 | |
| Moat | 5 / 15 | moat 3.2/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 21k shares/day, $95M cap, beta -0.07 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for BCOW in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to 1895 Bancorp of Wisconsin, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| MFBP M&F Bancorp, Inc. | 49.00 | 24.66 | -99% | 24No options | $95M |
| BSFO Bank of San Francisco | 42.99 | 65.41 | +34% | 39No options | $95M |
| CULL Cullman Bancorp, Inc. | 17.00 | 11.20 | -52% | 24No options | $94M |
| CTUY Century Next Financial Corporation | 73.00 | 241.60 | +70% | 39No options | $93M |
| PBKC Pioneer Bankcorp, Inc. | 83.99 | 243.32 | +65% | 39No options | $93M |
| SOBS Solvay Bank Corp. | 36.50 | 28.22 | -29% | 20No options | $93M |
| AUBN Auburn National Bancorporation, Inc. | 26.47 | 34.04 | +22% | 39No options | $92M |
| CZBT Citizens Bancorp of Virginia, Inc. | 43.55 | 71.84 | +39% | 39No options | $92M |
| HMLN Hamlin Bank and Trust Company | 256.60 | 446.04 | +42% | 39No options | $92M |
| FNWB First Northwest Bancorp | 9.63 | 12.04 | +20% | 39No options | $92M |
| FTFI First Berlin Bancorp, Inc. | 37.90 | 82.64 | +54% | 39No options | $99M |
| ORBN Oregon Bancorp, Inc. | 40.10 | 18.47 | -117% | 18No options | $99M |
⚖ Compare BCOW with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BCOW
Is BCOW undervalued right now?
No: at 18.45 the stock trades 60% above the GLS average fair value of 11.52 (data as of 16 Oct 2026), well beyond what trailing earnings, cash flow and book value support.
What is the Wheel Score of BCOW and what does it mean?
BCOW has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BCOW?
11.52 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does 1895 Bancorp of Wisconsin, Inc. report earnings next?
No upcoming earnings date is recorded for BCOW in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does BCOW have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BCOW, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.