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1895 Bancorp of WisconsinBCOW 44 Debt-to-Equity is 1.55 as of Mar. 2026, which is 49% above its 10-year median of 1.04. GuruFocus rates BCOW with a GF Score™ of 44/100 and a GF Value™ of $12.69 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,421 Banks companies, 1895 Bancorp of Wisconsin ranks worse than 78.25% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for 1895 Bancorp of Wisconsin's Debt-to-Equity or its related term are showing as below:
BCOW'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.13 Med: 1.04 Max: 1.65
Current: 1.55
During the past 10 years, the highest Debt-to-Equity Ratio of 1895 Bancorp of Wisconsin was 1.65. The lowest was 0.13. And the median was 1.04.
BCOW's Debt-to-Equity is ranked worse than 78.25% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs BCOW: 1.55
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
1895 Bancorp of Wisconsin Debt-to-Equity Related Terms
1895 Bancorp of Wisconsin Debt-to-Equity Historical Data
* 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.
BCOW vs UWHR, PBKC, FUSB: Debt-to-Equity Comparison
For the Banks - Regional subindustry, 1895 Bancorp of Wisconsin's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, 1895 Bancorp of Wisconsin's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where 1895 Bancorp of Wisconsin's Debt-to-Equity falls into.
* 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 (BCOW) has a Debt-to-Equity of 1.55 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on 1895 Bancorp of Wisconsin and its competitors. This is 49% above median its historical median of 1.04. Over the past decade, 1895 Bancorp of Wisconsin's Debt-to-Equity has ranged from 0.13 to 1.65. According to the industry distribution chart, 1895 Bancorp of Wisconsin ranks #1112 out of 1421 companies in the Banks industry, placing it in the top 78.3%.
Is 1895 Bancorp of Wisconsin's Debt-to-Equity too high?
1895 Bancorp of Wisconsin's current Debt-to-Equity of 1.55 is 49% above median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 1.65. The Banks industry median Debt-to-Equity is 0.58. 1895 Bancorp of Wisconsin's value of 1.55 is 167.2% above this industry median. Based on the distribution chart, 1895 Bancorp of Wisconsin ranks #1112 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, 1895 Bancorp of Wisconsin has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does 1895 Bancorp of Wisconsin's Debt-to-Equity compare to UWHR and PBKC?
According to the Banks industry distribution chart, 1895 Bancorp of Wisconsin ranks #1112 out of 1421 companies for Debt-to-Equity. This places 1895 Bancorp of Wisconsin in the lower half of its industry. The industry median Debt-to-Equity is 0.58. 1895 Bancorp of Wisconsin's value of 1.55 is 167.2% above this benchmark. Historically, 1895 Bancorp of Wisconsin's own Debt-to-Equity has ranged from 0.13 to 1.65 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 0.58, 1895 Bancorp of Wisconsin has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1895 Bancorp of Wisconsin's current Debt-to-Equity of 1.55 is 167.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on 1895 Bancorp of Wisconsin and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1895 Bancorp of Wisconsin's current Debt-to-Equity is 1.55, which is 49% above median its own 10-year median of 1.04. 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 $12.69, compared to a current price of $17.70 — trading 39.5% above its estimated fair value. The current Debt-to-Equity is 1.55, which is 49% above median its 10-year median of 1.04 and 167.2% above the Banks industry median of 0.58. 1895 Bancorp of Wisconsin's overall GF Score™ is 44/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For 1895 Bancorp of Wisconsin (BCOW), the current Debt-to-Equity is 1.55 as of Mar. 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 39.5% above its estimated GF Value™ of $12.69.
GuruFocus considers 1895 Bancorp of Wisconsin to be Significantly Overvalued.
Key valuation signals for BCOW:
Debt-to-Equity: 1.55 (49% above median its 10-year median of 1.04)
GF Value™: $12.69 vs. price of $17.70 (39.5% above fair value)
Industry Position: 167.2% above the Banks median (#1112 of 1421)
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 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.
44GF Score
Get the complete analysis for BCOW
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