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1895 Bancorp of WisconsinBCOW 44 PB Ratio is 1.26 as of Aug. 01, 2026, which is 62% above its 10-year median of 0.78. 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 1,515 Banks companies, 1895 Bancorp of Wisconsin ranks worse than 61.32% on this metric.
1895 Bancorp of Wisconsin Inc stock PB Ratio (=1.26) is close to 10-year high of 1.28.
The historical rank and industry rank for 1895 Bancorp of Wisconsin's PB Ratio or its related term are showing as below:
BCOW'
s PB Ratio Range Over the Past 10 Years
Min: 0.51 Med: 0.78 Max: 1.28
Current: 1.26
During the past 10 years, 1895 Bancorp of Wisconsin's highest PB Ratio was 1.28. The lowest was 0.51. And the median was 0.78.
BCOW's PB Ratio is ranked worse than 61.32% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs BCOW: 1.26
During the past 12 months, 1895 Bancorp of Wisconsin's average Book Value Per Share Growth Rate was 5.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 4.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 1.00% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of 1895 Bancorp of Wisconsin was 6.10% per year. The lowest was -3.40% per year. And the median was 1.00% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
1895 Bancorp of Wisconsin PB Ratio Related Terms
1895 Bancorp of Wisconsin PB Ratio 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.
For the Banks - Regional subindustry, 1895 Bancorp of Wisconsin's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, 1895 Bancorp of Wisconsin's PB Ratio distribution charts can be found below:
* The bar in red indicates where 1895 Bancorp of Wisconsin's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
1895 Bancorp of Wisconsin (BCOW) has a PB Ratio of 1.26 as of Aug. 01, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on 1895 Bancorp of Wisconsin and its competitors. This is 62% above median its historical median of 0.78. Over the past decade, 1895 Bancorp of Wisconsin's PB Ratio has ranged from 0.51 to 1.28. According to the industry distribution chart, 1895 Bancorp of Wisconsin ranks #929 out of 1515 companies in the Banks industry, placing it in the top 61.3%.
Is 1895 Bancorp of Wisconsin's PB Ratio too high?
1895 Bancorp of Wisconsin's current PB Ratio of 1.26 is 62% above median its 10-year median of 0.78. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.28. The Banks industry median PB Ratio is 1.11. 1895 Bancorp of Wisconsin's value of 1.26 is 13.5% above this industry median. Based on the distribution chart, 1895 Bancorp of Wisconsin ranks #929 out of 1515 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to UWHR and PBKC?
According to the Banks industry distribution chart, 1895 Bancorp of Wisconsin ranks #929 out of 1515 companies for PB Ratio. This places 1895 Bancorp of Wisconsin in the lower half of its industry. The industry median PB Ratio is 1.11. 1895 Bancorp of Wisconsin's value of 1.26 is 13.5% above this benchmark. Historically, 1895 Bancorp of Wisconsin's own PB Ratio has ranged from 0.51 to 1.28 over the past decade. While the company's 10-year median is 0.78 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1895 Bancorp of Wisconsin's current PB Ratio of 1.26 is 13.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on 1895 Bancorp of Wisconsin and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1895 Bancorp of Wisconsin's current PB Ratio is 1.26, which is 62% above median its own 10-year median of 0.78. 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 PB Ratio is 1.26, which is 62% above median its 10-year median of 0.78 and 13.5% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For 1895 Bancorp of Wisconsin (BCOW), the current PB Ratio is 1.26 as of Aug. 01, 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:
PB Ratio: 1.26 (62% above median its 10-year median of 0.78)
GF Value™: $12.69 vs. price of $17.70 (39.5% above fair value)
Industry Position: 13.5% above the Banks median (#929 of 1515)
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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