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1895 Bancorp of WisconsinBCOW 44 Return-on-Tangible-Equity is 2.10% as of Mar. 2026, which is 282% above its 10-year median of 0.55. GuruFocus rates BCOW with a GF Scoreâ„¢ of 44/100 and a GF Valueâ„¢ of $12.69 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, 1895 Bancorp of Wisconsin ranks worse than 90.74% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. 1895 Bancorp of Wisconsin's annualized net income for the quarter that ended in Mar. 2026 was $1.48 Mil. 1895 Bancorp of Wisconsin's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $70.50 Mil. Therefore, 1895 Bancorp of Wisconsin's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 2.10%.
The historical rank and industry rank for 1895 Bancorp of Wisconsin's Return-on-Tangible-Equity or its related term are showing as below:
BCOW'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -9.4 Med: 0.55 Max: 4.63
Current: 2.8
During the past 10 years, 1895 Bancorp of Wisconsin's highest Return-on-Tangible-Equity was 4.63%. The lowest was -9.40%. And the median was 0.55%.
BCOW's Return-on-Tangible-Equity is ranked worse than 90.74% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs BCOW: 2.80
1895 Bancorp of Wisconsin (OTCPK:BCOW) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
1895 Bancorp of Wisconsin Return-on-Tangible-Equity Related Terms
1895 Bancorp of Wisconsin Return-on-Tangible-Equity Historical Data
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The historical data trend for 1895 Bancorp of Wisconsin's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
BCOW vs UWHR, PBKC, FUSB: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, 1895 Bancorp of Wisconsin's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, 1895 Bancorp of Wisconsin's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where 1895 Bancorp of Wisconsin's Return-on-Tangible-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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 2.10% mean?
1895 Bancorp of Wisconsin (BCOW) has a Return-on-Tangible-Equity of 2.10% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on 1895 Bancorp of Wisconsin and its competitors. This is 282% above median its historical median of 0.55. According to the industry distribution chart, 1895 Bancorp of Wisconsin ranks #1381 out of 1522 companies in the Banks industry, placing it in the top 90.7%.
Is 1895 Bancorp of Wisconsin's Return-on-Tangible-Equity too high?
1895 Bancorp of Wisconsin's current Return-on-Tangible-Equity of 2.10% is 282% above median its 10-year median of 0.55. The Banks industry median Return-on-Tangible-Equity is 11.38. 1895 Bancorp of Wisconsin's value of 2.10% is 81.5% below this industry median. Based on the distribution chart, 1895 Bancorp of Wisconsin ranks #1381 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, 1895 Bancorp of Wisconsin has a GF Scoreâ„¢ 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 Return-on-Tangible-Equity compare to UWHR and PBKC?
According to the Banks industry distribution chart, 1895 Bancorp of Wisconsin ranks #1381 out of 1522 companies for Return-on-Tangible-Equity. This places 1895 Bancorp of Wisconsin in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.38. 1895 Bancorp of Wisconsin's value of 2.10% is 81.5% below this benchmark. While the company's 10-year median is 0.55 vs. the industry median of 11.38, 1895 Bancorp of Wisconsin has consistently been below 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. 1895 Bancorp of Wisconsin's current Return-on-Tangible-Equity of 2.10% is 81.5% below 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on 1895 Bancorp of Wisconsin and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. 1895 Bancorp of Wisconsin's current Return-on-Tangible-Equity is 2.10%, which is 282% above median its own 10-year median of 0.55. 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 Return-on-Tangible-Equity is 2.10%, which is 282% above median its 10-year median of 0.55 and 81.5% below the Banks industry median of 11.38. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For 1895 Bancorp of Wisconsin (BCOW), the current Return-on-Tangible-Equity is 2.10% 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:
Return-on-Tangible-Equity: 2.10% (282% above median its 10-year median of 0.55)
GF Value™: $12.69 vs. price of $17.70 (39.5% above fair value)
Industry Position: 81.5% below the Banks median (#1381 of 1522)
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
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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