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The definition of a cow is the female of domestic cattle and certain other mammals including whales, manatees and elephants. An example of a cow is a Hereford that is raised for beef. An example of a cow is a mother elephant. the mature female of domestic cattle (genus Bos), valued for its milk. the mature female of certain other mammals, as the buffalo, elephant, moose, whale, etc.: the male of such animals is called a bull.
1 A Calf is a general term of a young bovine that has been born from a first-calf heifer or cow and has not been weaned or has not reached sexual or adult maturity yet.  Cows are mature female bovines that have had at least 2 calves. So, essentially, yes, the word cow specifically refers to one sex only: FEMALE. However, the term cow is used so often that it has lost it's specific meaning and to most people, it is a colloquial and ambiguous term that refers to all bovines, no matter what sex, age or breed they are. The more proper terms to call a bovine of unknown age or sex is a Cattle-Beast, Animal, Bovine, Critter, etc.