Crazy Woman Creek Bancorp Inc

Crazy Woman Creek Bancorp Inc maintains a capital structure with no long-term debt and a debt-to-equity ratio of 0.0, indicating a fully equity-funded balance sheet. The company's liquidity position is assessed as low, with no immediate filing-based liquidity flags detected. Operating cash flow of $784,000 supports operational flexibility, but the absence of long-term debt suggests limited leverage to amplify returns.

Profitability metrics show a return on equity of 0.0018, which is below the typical performance of banks, where ROE is often in the 10-15% range. Net income of $24,000 on $431,000 in revenue indicates a net margin of approximately 5.57%, which is modest compared to industry benchmarks. The company's capital structure and low debt load may limit its ability to scale returns through leverage, a common strategy in the banking sector.

The company's revenue is not segmented by product or geography in the available data, but the absence of disclosed geographic or segment breakdowns suggests a relatively concentrated business model. This lack of diversification could expose the company to regional or product-specific risks, though no specific concentration risks are flagged in the risk assessment.

Outlook data is not provided for Crazy Woman Creek Bancorp Inc, but the company's recent revenue of $431,000 and net income of $24,000 suggest a stable but low-growth trajectory. The absence of capital expenditures and the lack of long-term debt indicate a conservative approach to growth and capital deployment.

Risk factors include a low liquidity rating and no immediate filing-based dilution flags, suggesting the company is not currently under pressure to raise additional capital. The dilution potential is also assessed as low, with no recent issuance or shelf registration activity reported.

No recent filings or transcripts are available to provide insight into management commentary or strategic direction. The company's financial disclosures are limited to basic operating metrics, with no detailed guidance on future performance or capital allocation plans.

The company maintains zero long-term debt, placing its leverage profile in the top quartile relative to the banking cohort.

Cash conversion metrics rank as best-in-class compared to peers, indicating superior efficiency in generating cash from operations.

Equity grew by 3.7% year-over-year, demonstrating capital preservation and modest expansion despite recent revenue declines.

Dilution and liquidity risks are assessed as low, suggesting a stable capital structure and adequate short-term financial flexibility.

Net income showed a four-year CAGR of 22.1%, highlighting historical profitability growth trends prior to recent declines.

Revenue declined 7.3% year-over-year, reflecting a contraction in total operating income including net interest income and fees.

Return on equity stands at a negligible 0.18%, placing the firm in the bottom quartile of its banking cohort.

Revenue $634.0k, +27,3% YoY; Net income +118,3% YoY.

• ▍Revenue $634.0k, +27,3% YoY
• ▍Net income +118,3% YoY
• ▍Net margin 24.4%

Revenue $619.0k, +43,6% YoY; Net income −329,2% YoY.

• ▍Revenue $619.0k, +43,6% YoY
• ▍Net income −329,2% YoY
• ▍Net margin -8.9%

Revenue $546.0k; Net margin 5.9%.

• ▍Revenue $546.0k
• ▍Net margin 5.9%

Revenue $494.0k; Net margin 9.3%.

• ▍Revenue $494.0k
• ▍Net margin 9.3%

Revenue $498.0k; Net margin 14.3%.

• ▍Revenue $498.0k
• ▍Net margin 14.3%

Revenue $431.0k; Net margin 5.6%.

• ▍Revenue $431.0k
• ▍Net margin 5.6%

Revenue $2.2M, +30,3% YoY; Net income −55,0% YoY.

• ▍Revenue $2.2M, +30,3% YoY
• ▍Net income −55,0% YoY
• ▍Net margin 4.4%