Income statement, balance sheet and cash flow statement for the last 3 fiscal years, taken from the XBRL data EWSB Bancorp, Inc. /MD/ files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2024
FY2024
FY2025
Interest income
0.13
0.16
0.26
Pre-tax income
-1.33
-2.44
-1.32
Income tax
-0.4
-0.74
2.85
Net income
-0.94
-1.7
-4.18
EPS, basic
-8.62
-5.93
EPS, diluted
-8.62
-5.93
Shares, basic (weighted)
0.2
0.7
Shares, diluted (weighted)
0.2
0.7
Balance sheet
FY2024
FY2024
FY2025
Cash and equivalents
1.61
1.19
1.27
Property, plant and equipment
2.91
2.41
2.36
Total assets
263
273
271
Total liabilities
251
258
258
Total debt
19
24.2
38.4
Paid-in capital
0
5.47
5.47
Retained earnings
19.2
17.5
13.3
Other comprehensive income
-7.66
-6.85
-5.11
Shareholders' equity
11.5
15.6
13.2
Total equity
11.5
15.6
13.2
Total liabilities and equity
263
273
271
Shares outstanding
0
0.75
0.75
Cash flow statement
FY2024
FY2024
FY2025
Net income
-0.94
-1.7
-4.18
Depreciation and amortization
0.18
0.17
0.16
Stock-based compensation
0
0.03
0.02
Deferred income tax
-0.4
-0.76
2.85
Cash from operations
-1.48
-2.22
-1.67
Capital expenditures
-0.03
-0.11
-0.1
Sales and maturities of investments
11
1.2
1.86
Cash from investing
9.46
-9.57
1.86
Stock issued
0
5.48
0
Cash from financing
-9.51
11.4
-0.11
Net change in cash
-1.53
-0.42
0.08
Free cash flow
-1.51
-2.33
-1.78
Interest paid
4.06
6.19
6.57
Income taxes paid
0
0
0
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $10.25 on November 9, 2026.
Profitability
Metric
Value
How it is calculated
Return on equity (ROE)
-26.3%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
-1.5%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Book value growth, 1y
-15.4%
Book value vs the same period a year earlier. Only from a positive base.
Total assets growth, 1y
-0.9%
Total assets vs the same period a year earlier. Only from a positive base.
Share count change, 1y
256.9%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Balance sheet health
Metric
Value
How it is calculated
Debt / equity
1.54x
Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets
8.8%
Total debt / total assets.
Liabilities / assets
94.3%
Total liabilities / total assets.
Net debt
$16.7M
Total debt - cash - short-term investments. Negative means more cash than debt.
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
-$1.63
Free cash flow / diluted weighted shares.
Operating cash flow per share
-$1.53
Cash from operations / diluted weighted shares.
Book value per share
$15.01
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Market cap + total debt - cash - short-term investments.
P/B
0.68x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
0.68x
Market cap / tangible book value, when positive.
FCF yield
-11.2%
Free cash flow / market cap.
Earnings yield
-38.6%
Net income / market cap (the inverse of P/E).
Was EWSB Bancorp, Inc. /MD/ profitable in fiscal 2025?
No. It reported a net loss of $4.2M.
How much free cash flow did EWSB Bancorp, Inc. /MD/ generate in fiscal 2025?
Cash from operations of $1.7M minus capital expenditures of $104.9K left free cash flow of -$1.8M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.