Bitcoin Bancorp

BCBC

Software - Infrastructure · Technology

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Quality

Weak

Growth

Mixed

Cash Flow

Weak

Stability

Good

Valuation

Data not available

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Winston Score History

The full picture

Bitcoin Bancorp is a small technology company that works at the intersection of banking and cryptocurrency. It focuses on building software infrastructure that connects traditional financial systems with Bitcoin and other digital assets. Its main customers are individuals and businesses looking for tools to hold, transfer, or manage digital currencies alongside regular money.

The company earns revenue primarily through software services and transaction-related fees, though its negative operating margin shows it is currently spending more than it earns. It operates at a very small scale, with a market cap that rounds to essentially zero, meaning it is a micro-cap or nano-cap company. The competitive landscape in crypto-banking infrastructure is crowded, with larger and better-funded rivals making it difficult to stand out. The biggest risk the company faces is sustaining operations long enough to reach profitability, especially given its negative returns on invested capital and the volatile regulatory environment surrounding cryptocurrency businesses.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-56.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+100.0% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

0.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

~5 years

$4M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

$4M cash & investments at current burn rate

Revenue declining

Bitcoin Bancorp's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

19.8%

Thin — 19.8% gross margin

Profit after running costs

Operating Margin

-7.1%

Losing money on operations — -7.1%

Return on the money invested

ROCE

0.4%

Weak — 0.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales growth

Sales YoY

N/A

Data not available

Profit growth

EPS YoY

N/A

—

Data not available

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash

Cash Conversion

N/A

—

Data not available

Spare cash per sale

FCF Margin

-161.6%

Burning cash (-161.6%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

0.29

Conservative — low debt load (0.29)

Covers its interest

Interest Cover

0.17x

Dangerous — barely covers interest (0.2x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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