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Upturn AI SWOT - About
1895 of Wisconsin Inc Bancorp (BCOW)
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Upturn Advisory Summary
07/02/2025: BCOW (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 28.24% | Avg. Invested days 50 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 52.66M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.05 | 52 Weeks Range 7.78 - 10.74 | Updated Date 06/29/2025 |
52 Weeks Range 7.78 - 10.74 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.6 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -27.59% | Operating Margin (TTM) -10.27% |
Management Effectiveness
Return on Assets (TTM) -0.58% | Return on Equity (TTM) -4.55% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 106437328 | Price to Sales(TTM) 4.45 |
Enterprise Value 106437328 | Price to Sales(TTM) 4.45 | ||
Enterprise Value to Revenue 10.59 | Enterprise Value to EBITDA - | Shares Outstanding 5178350 | Shares Floating 4672177 |
Shares Outstanding 5178350 | Shares Floating 4672177 | ||
Percent Insiders 15.25 | Percent Institutions 5.98 |
Upturn AI SWOT
1895 of Wisconsin Inc Bancorp
Company Overview
History and Background
There is no publicly available information for a company called '1895 of Wisconsin Inc Bancorp'. Therefore, a fictionalized profile is provided for demonstration purposes only. Founded in 1895 in Wisconsin as a small community bank, it expanded regionally through acquisitions and organic growth. It modernized services with digital banking in the late 20th and early 21st centuries.
Core Business Areas
- Retail Banking: Offers checking, savings, loans, and credit cards to individual customers.
- Commercial Banking: Provides loans, lines of credit, and other financial services to businesses.
- Wealth Management: Offers investment advice, financial planning, and trust services to high-net-worth individuals.
Leadership and Structure
Hypothetical leadership includes a CEO, CFO, COO, and heads of each business segment. The organizational structure is hierarchical, with regional managers reporting to the executive team.
Top Products and Market Share
Key Offerings
- Market Share (%): 5
- Mortgage Loans: Residential mortgage loans for home purchases and refinancing. Estimated 5% regional market share. Competitors: BofA, Wells Fargo, Chase, local credit unions.
- Commercial Real Estate Loans: Loans for the acquisition, construction, and development of commercial properties. Estimated 3% regional market share. Competitors: US Bank, Associated Bank, local and regional banks.
- Market Share (%): 3
- Checking Accounts: Various checking account products for consumers and businesses. Competitors: All national and regional banks. Revenue is generated from fees and interest.
Market Dynamics
Industry Overview
The banking industry is currently characterized by low interest rates, increasing regulatory scrutiny, and intense competition from both traditional and non-traditional players. Fintech companies are disrupting the industry.
Positioning
1895 of Wisconsin Inc Bancorp positions itself as a customer-focused community bank with a strong regional presence, emphasizing personalized service and local expertise.
Total Addressable Market (TAM)
Estimated regional TAM for banking services is $50 billion. 1895 of Wisconsin Inc Bancorp has a small market share, indicating significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong regional brand recognition
- Loyal customer base
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Dependence on traditional banking model
- Lower technology adoption rate compared to competitors
Opportunities
- Expand into new geographic markets
- Develop new digital banking products
- Acquire smaller community banks
- Increase cross-selling of products and services
Threats
- Increasing competition from national banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BofA
- WFC
- USB
Competitive Landscape
1895 of Wisconsin Inc Bancorp faces intense competition from larger national banks and regional players. Its competitive advantage lies in its local expertise and personalized service.
Major Acquisitions
Community Bank of Madison
- Year: 2018
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded market share in the Madison metropolitan area.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced steady growth over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project revenue growth of 5-7% per year over the next five years, driven by increased loan volume and fee income.
Recent Initiatives: Recent initiatives include the launch of a new mobile banking app and the expansion of its wealth management services.
Summary
1895 of Wisconsin Inc Bancorp is a moderately strong regional bank with a loyal customer base and solid financials. Its strengths lie in its local brand and personalized service. However, it faces challenges from larger competitors and the need to invest in digital technologies to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Fictional data based on general industry knowledge.
Disclaimers:
This analysis is based on fictional data and is for demonstration purposes only. It should not be used for investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About 1895 of Wisconsin Inc Bancorp
Exchange NASDAQ | Headquaters Greenfield, WI, United States | ||
IPO Launch date 2019-01-09 | President, CEO & Director Mr. David R. Ball | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 88 | |
Full time employees 88 | |||
1895 Bancorp of Wisconsin, Inc. operates as a holding company for PyraMax Bank, FSB that provides a range of financial services to commercial and retail customers. It provides checking, savings, certificate of deposits, and money market accounts. The company offers home equity, commercial, residential, and consumer loans; and one-to-four-family mortgages, as well as accept deposits from individual customers and small businesses in the metropolitan. 1895 Bancorp of Wisconsin, Inc. was founded in 1892 and is headquartered in Greenfield, Wisconsin.
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