BCOW (1895 Bancorp of Wisconsin) Debt-to-Asset : 0.17 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BCOW 1895 Bancorp of Wisconsin Inc BCOW
47 GF Score
Price $17.70
GF Value $12.92
Valuation Significantly Overvalued
! 5 Warning Signs
View Full Analysis

What is 1895 Bancorp of Wisconsin Debt-to-Asset?

1895 Bancorp of Wisconsin BCOW -0.13% 47 Debt-to-Asset is 0.17 as of Jun. 2026. GuruFocus rates BCOW with a GF Score™ of 47/100 and a GF Value™ of $12.92 (Significantly Overvalued). The stock has 5 warning signs investors should review.

1895 Bancorp of Wisconsin's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $0.00 Mil. 1895 Bancorp of Wisconsin's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $101.28 Mil. 1895 Bancorp of Wisconsin's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $591.18 Mil. 1895 Bancorp of Wisconsin's debt to asset for the quarter that ended in Jun. 2026 was 0.17.

1895 Bancorp of Wisconsin  (OTCPK:BCOW) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

1895 Bancorp of Wisconsin Debt-to-Asset Related Terms

1895 Bancorp of Wisconsin Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for 1895 Bancorp of Wisconsin's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

1895 Bancorp of Wisconsin Debt-to-Asset Chart

1895 Bancorp of Wisconsin Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.10 0.13 0.13 0.16 0.19

1895 Bancorp of Wisconsin Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.19 0.18 0.19 0.19 0.17

BCOW vs CZBC, CZBT, AUBN: Debt-to-Asset Comparison

For the Banks - Regional subindustry, 1895 Bancorp of Wisconsin's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

1895 Bancorp of Wisconsin Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, 1895 Bancorp of Wisconsin's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where 1895 Bancorp of Wisconsin's Debt-to-Asset falls into.


BCOW
47GF Score
1895 Bancorp of Wisconsin Inc BCOW
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

1895 Bancorp of Wisconsin Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

1895 Bancorp of Wisconsin's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 112.293) / 600.021
=0.19

1895 Bancorp of Wisconsin's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 101.284) / 591.177
=0.17

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.17 mean?
1895 Bancorp of Wisconsin (BCOW) has a Debt-to-Asset of 0.17 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on 1895 Bancorp of Wisconsin and its competitors.
Is 1895 Bancorp of Wisconsin's Debt-to-Asset too high?
1895 Bancorp of Wisconsin's current Debt-to-Asset is 0.17. Overall, 1895 Bancorp of Wisconsin has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does 1895 Bancorp of Wisconsin's Debt-to-Asset compare to CZBC and CZBT?
1895 Bancorp of Wisconsin's Debt-to-Asset of 0.17 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on 1895 Bancorp of Wisconsin and its competitors. 1895 Bancorp of Wisconsin's current Debt-to-Asset is 0.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is 1895 Bancorp of Wisconsin stock overvalued right now?
Based on GuruFocus' analysis, 1895 Bancorp of Wisconsin (BCOW) is currently considered Significantly Overvalued. The stock's GF Value™ is $12.92, compared to a current price of $17.70 — trading 37% above its estimated fair value. The current Debt-to-Asset is 0.17. 1895 Bancorp of Wisconsin's overall GF Score™ is 47/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For 1895 Bancorp of Wisconsin (BCOW), the current Debt-to-Asset is 0.17 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is 1895 Bancorp of Wisconsin (BCOW) Overvalued in 2026?

Based on GuruFocus' analysis, 1895 Bancorp of Wisconsin stock appears to be overvalued. The current stock price of $17.70 is trading 37% above its estimated GF Value™ of $12.92. GuruFocus considers 1895 Bancorp of Wisconsin to be Significantly Overvalued.

Key valuation signals for BCOW:

  • Debt-to-Asset: 0.17
  • GF Value™: $12.92 vs. price of $17.70 (37% above fair value)
  • GF Score™: 47/100 with 5 warning signs

No single metric tells the full story. See the BCOW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

1895 Bancorp of Wisconsin Business Description

Address 7001 West Edgerton Avenue, Greenfield, WI, USA, 53220
1895 Bancorp of Wisconsin Inc is a holding company. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in one- to four-family residential real estate loans, commercial real estate loans (which includes non-owner occupied commercial real estate, multi-family, owner occupied commercial real estate and one- to four-family non-owner occupied loans), commercial loans (which includes commercial and industrial loans) and consumer loans.
47GF Score

Get the complete analysis for BCOW

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.70
Price
$12.92
GF Value