Ewsb Bancorp, Inc. /MD/ (EWSB) intrinsic value & 10-year financials

Ewsb Bancorp, Inc. /MD/ (EWSB) has no Graham intrinsic value right now because the formula needs positive earnings.

Graham intrinsic value
—
Share price (Oct 17, 2026)
$10.16
Market cap
$7.2M
Revenue (FY2025)
—
ROIC (10-yr avg)
-5.9%
Free cash flow (FY2025)
-$1.8M

EWSB 10-year financial history

Fiscal year Revenue Net income EPS (diluted) Free cash flow Operating margin ROIC
FY2025 — -$4.2M -$5.93 -$1.8M — -9.4%
FY2024 — -$1.7M -$8.62 -$2.3M — -5.0%
FY2023 — -$935.2K — -$1.5M — -3.2%
FY2022 — — — — — —

Source: annual 10-K filings on SEC EDGAR. Figures in USD.

Executive summary

EWSB Bancorp, Inc. /MD/ revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.

EWSB Bancorp, Inc. /MD/ has historically struggled to out-earn its cost of capital, averaging just -5.9% ROIC.

EWSB Bancorp, Inc. /MD/ capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.

Benjamin Graham lens

EWSB Bancorp, Inc. /MD/ is evaluated under Benjamin Graham's defensive framework using SEC EDGAR fundamentals using an 8.5 + 2g earnings multiple and a 5.1% AAA bond-yield baseline.

EWSB stock: frequently asked questions

What is the intrinsic value of Ewsb Bancorp, Inc. /MD/ (EWSB) stock?

Graham's formula only works with positive earnings. Ewsb Bancorp, Inc. /MD/ reported diluted EPS of -$5.93 in fiscal 2025, so no Graham value is shown. The 10-year table shows revenue and cash-flow trends instead.

Does Ewsb Bancorp, Inc. /MD/ generate free cash flow?

Ewsb Bancorp, Inc. /MD/ generated -$1.8M of free cash flow (operating cash flow minus capital expenditures) in fiscal 2025. Free cash flow was positive in 0 of the last 3 reported years.

What is EWSB's return on invested capital?

Average ROIC over the last 4 fiscal years was -5.9%, and average return on equity was -16.6%. Sustained ROIC above about 15% usually points to a durable competitive advantage.

Where does this EWSB data come from?

From Ewsb Bancorp, Inc. /MD/'s annual 10-K filings on SEC EDGAR, most recently filed May 11, 2026. Prices are end-of-day snapshots; valuations are formula outputs, not investment advice.

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