1895 Bancorp of Wisconsin, Inc. (BCOW)

1895 Bancorp of Wisconsin Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Income	-3.26	-6.79	-0.15	0.09	1.32	0.45
Depreciation & Amortization	0.65	0.68	0.84	1.35	1.43	1.15
Gain (Loss) on Sale of Assets	-	-0.11	-	-	0.03	-0.2
Gain (Loss) on Sale of Investments	1.65	3.95	0.86	-0.01	-1.36	0.26
Total Asset Writedown	-	-	-	-0.37	0.37	0.09
Provision for Credit Losses	0.3	0.3	0.22	0.03	0.5	-1.03
Net Decrease (Increase) in Loans Originated / Sold - Operating	0.25	-0.39	1.69	2.8	1.7	0.8
Accrued Interest Receivable	-0.03	0.56	-0.52	-0.17	-0.25	1.34
Change in Other Net Operating Assets	0.1	0.14	0.18	0.14	-0	-0.07
Other Operating Activities	-1.83	-0.24	-0.84	-1.16	0.48	-1.12
Operating Cash Flow	-0.04	-0.71	2.59	2.78	1.27	0.95
Operating Cash Flow Growth	-	-	-6.91%	119.35%	33.83%	-

Investing Activities

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Capital Expenditures	-0.21	-0.81	-0.19	-0.24	-0.29	-0.67
Sale of Property, Plant and Equipment	-	-	-	-	-	0.8
Cash Acquisitions	-	-	-	0.1	-	-
Investment in Securities	10.23	6.47	-18.23	-55.64	14.88	-3.59
Net Decrease (Increase) in Loans Originated / Sold - Investing	-15.16	-35.73	-36.33	5.25	-18.9	60.05
Other Investing Activities	0.36	0.05	-0.4	-	-2.17	1.46
Investing Cash Flow	-4.79	-29.32	-55.14	-50.53	-6.48	58.05

Financing Activities

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Long-Term Debt Issued	-	108.5	37	-	52	10
Long-Term Debt Repaid	-	-108.96	-20.98	-12.96	-1.23	-22.39
Net Debt Issued (Repaid)	-2.71	-0.46	16.02	-12.96	50.78	-12.39
Issuance of Common Stock	0.08	0.02	-	35.46	-	20.03
Repurchase of Common Stock	-1.3	-0.79	-4.32	-2.26	-1.05	-1.76
Net Increase (Decrease) in Deposit Accounts	8.34	15.96	3.22	4.65	35.25	-61.54
Other Financing Activities	-0.49	0.2	-0.83	-2.87	1.06	0.44
Financing Cash Flow	3.92	14.94	14.1	22.03	86.03	-55.21

Net Cash Flow

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Net Cash Flow	-0.92	-15.09	-38.46	-25.72	80.82	3.78

Free Cash Flow

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Free Cash Flow	-0.26	-1.52	2.4	2.53	0.98	0.28
Free Cash Flow Growth	-	-	-5.37%	159.10%	251.80%	-
Free Cash Flow Margin	-2.16%	-15.25%	14.38%	15.29%	5.12%	1.70%
Free Cash Flow Per Share	-0.05	-0.28	0.41	0.41	0.21	0.06

Additional Metrics

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash Interest Paid	11.6	7.73	1.81	1.61	3.24	4.92
Cash Income Tax Paid	-	-	-	-0.2	-0.01	-0.21

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2024

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 21, 2026

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