EWSB
EWSB Bancorp, Inc.9.42
+0.00+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
7.09MP/E (TTM)
-Basic EPS (TTM)
-13.01Dividend Yield
0%Recent Filings
8-K
Bylaws drop director residency rule
10-Q
Q3 FY2025 results
EWSB Bancorp posted a Q3 net loss of $3.3M, or $(4.74) diluted EPS on 704k shares, widening from $0.3M last year due to a $3.2M valuation allowance on deferred tax assets from cumulative losses. Net interest income climbed 52% y/y to $1.2M, fueled by 15% higher loan interest ($2.5M) on bigger balances, while deposit costs eased; margin hit 1.8%. Loans grew to $198M, deposits fell to $219M, borrowings doubled to $44.8M (mostly FHLB at ~4%). Cash burned $1.8M from operations. Equity solid but net worth ratio slipped to 4.6%, breaching Wisconsin's 6% rule. Interest rate risk looms large.
10-Q
Q2 FY2025 results
EWSB Bancorp posted a narrower Q2 net loss of $279K, down from $463K a year ago, as net interest income climbed 38% to $1.1M on higher loan yields and volumes, while the provision for credit losses dropped sharply to $15K. Loans grew 5% quarter-over-quarter to $197.6M, fueled by residential and construction demand, yet deposits fell 4% to $222.1M amid brokered outflows, prompting borrowings to double to $44.3M. Cash balances rose to $2.7M, but free cash flow turned negative at $(1.3M) from operating outflows. Equity edged up to $15.8M, though regulatory capital ratios dipped below state net worth thresholds. Non-GAAP metrics not disclosed in the 10-Q. Interest rate volatility remains a key watchpoint.
8-K
Annual meeting elects directors
EWSB Bancorp held its annual stockholder meeting on June 5, 2025, electing Kenneth P. Demerath, Lori Hoersch, and Charles D. Schmalz as directors for three-year terms, with strong support of 407,648 votes each amid 5,100 withheld and 189,202 broker non-votes. Stockholders overwhelmingly ratified Plante Moran, PLLC as independent auditors for the year ending December 31, 2025, passing 601,450 to 500. Governance continuity solidified.
10-Q
Q1 FY2025 results
EWSB Bancorp posted a net loss of $569,000 for Q1 2025 ended March 31, up from $377,000 a year earlier, as net interest income climbed 16.9% y/y to $962,000 on higher loan yields, yet noninterest income plunged 31.7% without a prior $86,000 interest rate swap gain and softer mortgage activity. Expenses rose 7.4% y/y to $1.97 million, driven by professional fees and salaries, while a $110,000 provision for credit losses marked the quarter; the net loss aligns with diluted EPS of $(0.81) on 702,823 shares. Loans grew 1.9% q/q to $191.2 million, funded by $3.6 million more FHLB borrowings to $27.8 million total, with deposits flat at $231.6 million and cash at $1.1 million. Losses widened due to higher noninterest costs. Regulatory pressures loom from the MOU with state and federal overseers.
IPO
Website
Employees
Sector
Industry
CFSB
CFSB Bancorp, Inc.
14.25+0.00
CSBB
CSB Bancorp, Inc.
54.00+2.50
ECBK
ECB Bancorp, Inc.
17.39+0.01
EWBC
East West Bancorp, Inc.
114.47+0.85
FDSB
Fifth District Bancorp, Inc.
14.30+0.08
FFBW
FFBW, Inc.
15.00+0.05
NWBI
Northwest Bancshares, Inc.
12.71-0.07
PFSB
PFS Bancorp, Inc.
15.40+0.15
VWFB
VWF Bancorp, Inc.
11.90+0.00
WSBK
Winchester Bancorp, Inc.
9.96+0.01