EWSB Bancorp, Inc. /MD/ (EWSB) reported net income of -$4.18M for the fiscal year ended 2025-12-31. This page shows 3 annual periods of income statement, balance sheet and cash flow figures normalized from EWSB Bancorp, Inc. /MD/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Savings Institutions, Not Federally Chartered.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Revenue | Unavailable | Unavailable | Unavailable |
| Cost of revenue | Unavailable | Unavailable | Unavailable |
| Gross profit | Unavailable | Unavailable | Unavailable |
| Operating income | Unavailable | Unavailable | Unavailable |
| Net income | -$4.18M | -$1.70M | -$935.24K |
| Research & development | Unavailable | Unavailable | Unavailable |
| Weighted-average diluted shares | Unavailable | Unavailable | Unavailable |
| Pretax income | -$1.32M | -$2.44M | -$1.33M |
| Income tax expense | $2.85M | -$736.09K | -$397.56K |
| Diluted EPS | $-5.93 | $-8.62 | Unavailable |
| Selling, general & administrative | Unavailable | Unavailable | Unavailable |
| General & administrative | Unavailable | Unavailable | Unavailable |
| Selling & marketing | Unavailable | Unavailable | Unavailable |
Balance
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash & equivalents | $1.27M | $1.19M | $1.61M |
| Total assets | $270.97M | $273.31M | $262.57M |
| Current assets | Unavailable | Unavailable | Unavailable |
| Total liabilities | $257.75M | $257.68M | $251.03M |
| Current liabilities | Unavailable | Unavailable | Unavailable |
| Total equity incl. NCI | $13.22M | $15.63M | $11.54M |
| Temporary (mezzanine) equity | Unavailable | Unavailable | Unavailable |
| Inventory | Unavailable | Unavailable | Unavailable |
| Accounts receivable | Unavailable | Unavailable | Unavailable |
| Goodwill | Unavailable | Unavailable | Unavailable |
| Long-term debt | $38.37M | $24.20M | $19.03M |
| Accounts payable | Unavailable | Unavailable | Unavailable |
Cash flow
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Operating cash flow | -$1.67M | -$2.22M | -$1.48M |
| Capital expenditures | $104.88K | $105.91K | $30.39K |
| Investing cash flow | $1.86M | -$9.57M | $9.46M |
| Financing cash flow | -$105.39K | $11.38M | -$9.51M |
| Net change in cash | Unavailable | Unavailable | Unavailable |
| Stock-based compensation | $24.84K | $28.38K | $0 |
| Common dividends paid | Unavailable | Unavailable | Unavailable |
| Common share repurchases | Unavailable | Unavailable | Unavailable |
| Depreciation & amortization | Unavailable | Unavailable | Unavailable |
Derived
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Free cash flow | -$1.78M | -$2.33M | -$1.51M |
| Gross margin | Unavailable | Unavailable | Unavailable |
| Operating margin | Unavailable | Unavailable | Unavailable |
| FCF margin | Unavailable | Unavailable | Unavailable |
| SBC / revenue | Unavailable | Unavailable | Unavailable |
| Current ratio | Unavailable | Unavailable | Unavailable |
| Revenue YoY growth | Unavailable | Unavailable | Unavailable |
| Net margin | Unavailable | Unavailable | Unavailable |
| R&D / revenue | Unavailable | Unavailable | Unavailable |
| CapEx / revenue | Unavailable | Unavailable | Unavailable |
| Long-term debt / equity | 2.90x | Unavailable | Unavailable |
| Effective tax rate | Unavailable | Unavailable | Unavailable |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open EWSB in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.