1895 Bancorp of Wisconsin, Inc. /MD/ earns about 3% on invested capital, but has diluted owners by 18% over 4 years — worth asking whether the growth reaches owners. The cash-flow models don't apply cleanly here — the ledger says why below. Whether it’s worth owning at today’s price is the last question — and yours to answer, below.
| Figure | FY 2020 | FY 2021 | FY 2022 | FY 2023 |
|---|---|---|---|---|
| Revenue | $15.5M1 | $14.2M2 | $16.4M3 | $20.9M3 |
| Net income | $1.32M4 | $85,0005 | −$148,0006 | −$6.79M6 |
| Operating cash flow | $1.27M7 | $2.78M8 | $2.59M9 | −$709,0009 |
| Capital expenditure | — | — | — | — |
| Free cash flow (derived) | — | — | — | — |
| Total debt | — | — | — | — |
| Cash & equivalents | — | — | — | — |
| Diluted shares | 4.7M | 6.2M | 5.8M | 5.5M |
Superscripts are receipts. Each links to the SEC filing the number came from (full list at the bottom). A derived or summed figure cites every filing line it was built from.
10 shares is a claim on $131.48 of net worth that earned you −$12.27 last year.
It earned an average 3% on invested capital over 4 years. Compare that to what it costs to fund the business.
seeing a moat in the numbers →Share count is up 18% over 4 years — owners have been diluted. Worth asking what they got for it.
reading capital allocation →Signals, not verdicts — read from the filings above. Numbers don’t prove a moat; they show its footprint. You decide.
Different models answer different questions — which to trust when →
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MeritValue on the App Store →- 10-K filed 2022-03-29 · period ending 2020-12-31 · accession 0001193125-22-087321 (InterestAndDividendIncomeOperating)
- 10-K filed 2023-03-30 · period ending 2021-12-31 · accession 0000950170-23-010894 (InterestAndDividendIncomeOperating)
- 10-K filed 2024-03-29 · periods ending 2022-12-31, 2023-12-31 · accession 0000950170-24-038577 (InterestAndDividendIncomeOperating)
- 10-K filed 2022-03-29 · period ending 2020-12-31 · accession 0001193125-22-087321 (NetIncomeLoss)
- 10-K filed 2023-03-30 · period ending 2021-12-31 · accession 0000950170-23-010894 (NetIncomeLoss)
- 10-K filed 2024-03-29 · periods ending 2022-12-31, 2023-12-31 · accession 0000950170-24-038577 (NetIncomeLoss)
- 10-K filed 2022-03-29 · period ending 2020-12-31 · accession 0001193125-22-087321 (NetCashProvidedByUsedInOperatingActivities)
- 10-K filed 2023-03-30 · period ending 2021-12-31 · accession 0000950170-23-010894 (NetCashProvidedByUsedInOperatingActivities)
- 10-K filed 2024-03-29 · periods ending 2022-12-31, 2023-12-31 · accession 0000950170-24-038577 (NetCashProvidedByUsedInOperatingActivities)