BCOW (1895 Bancorp of Wisconsin) Scaled Net Operating Assets: 0.11 (As of Mar. 2026)

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BCOW 1895 Bancorp of Wisconsin Inc BCOW
44 GF Score
Price $17.70
GF Value $12.69
Valuation Significantly Overvalued
! 5 Warning Signs
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What is 1895 Bancorp of Wisconsin Scaled Net Operating Assets?

1895 Bancorp of Wisconsin BCOW 44 Scaled Net Operating Assets is 0.11 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

1895 Bancorp of Wisconsin's operating assets for the quarter that ended in Mar. 2026 was $477.23 Mil. 1895 Bancorp of Wisconsin's operating liabilities for the quarter that ended in Mar. 2026 was $413.83 Mil. 1895 Bancorp of Wisconsin's Total Assets for the quarter that ended in Dec. 2025 was $600.02 Mil. Therefore, 1895 Bancorp of Wisconsin's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.11.

BCOW
44GF Score
1895 Bancorp of Wisconsin Inc BCOW
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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1895 Bancorp of Wisconsin Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

1895 Bancorp of Wisconsin's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(583.148-415.819)/572.869
=0.29

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=600.021 - 16.873
=583.148

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=528.112 - 112.293 - 0
=415.819

1895 Bancorp of Wisconsin's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(477.234-413.833)/600.021
=0.11

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=597.688 - 120.454
=477.234

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=525.622 - 111.789 - 0
=413.833

* 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.

What does a Scaled Net Operating Assets of 0.11 mean?
1895 Bancorp of Wisconsin (BCOW) has a Scaled Net Operating Assets of 0.11 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on 1895 Bancorp of Wisconsin and its competitors.
Is 1895 Bancorp of Wisconsin's Scaled Net Operating Assets too high?
1895 Bancorp of Wisconsin's current Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets compare to UWHR and PBKC?
1895 Bancorp of Wisconsin's Scaled Net Operating Assets of 0.11 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on 1895 Bancorp of Wisconsin and its competitors. 1895 Bancorp of Wisconsin's current Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets is 0.11. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For 1895 Bancorp of Wisconsin (BCOW), the current Scaled Net Operating Assets is 0.11 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:

  • Scaled Net Operating Assets: 0.11
  • GF Value™: $12.69 vs. price of $17.70 (39.5% above fair value)
  • GF Score™: 44/100 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.
44GF Score

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$17.70
Price
$12.69
GF Value