BANK OF SOUTH CAROLINA CORP earns about 150% on invested capital, with a roughly flat share count. 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 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 |
|---|---|---|---|---|---|
| Revenue | $18.1M1 | $18.9M2 | $17.2M3 | $17.6M3 | $19.2M3 |
| Net income | $6.92M4 | $7.32M5 | $6.46M6 | $6.74M6 | $6.66M6 |
| Operating cash flow | $9.32M7 | $4.44M8 | $291,9879 | $17.5M9 | $9.47M9 |
| Capital expenditure | $287,03110 | $2.19M11 | $184,13812 | $142,26912 | $564,92212 |
| Free cash flow (derived) | $9.03M7,10 | $2.26M8,11 | $107,8499,12 | $17.3M9,12 | $8.91M9,12 |
| Total debt | — | — | — | — | — |
| Cash & equivalents | $31.8M13 | $49.1M13 | $48.3M14 | $140.1M14 | $27.8M14 |
| Diluted shares | 5.6M | 5.6M | 5.7M | 5.7M | 5.6M |
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 $68.76 of net worth that earned you $11.79 and generated $15.78 of cash last year.
It earned an average 150% on invested capital over 5 years. Compare that to what it costs to fund the business.
seeing a moat in the numbers →Share count is roughly flat over 5 years — little dilution, little buyback.
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 2021-03-05 · period ending 2018-12-31 · accession 0001387131-21-003179 (InterestAndDividendIncomeOperating)
- 10-K filed 2022-03-04 · period ending 2019-12-31 · accession 0001387131-22-003161 (InterestAndDividendIncomeOperating)
- 10-K filed 2023-03-02 · periods ending 2020-12-31, 2021-12-31, 2022-12-31 · accession 0001839882-23-005612 (InterestAndDividendIncomeOperating)
- 10-K filed 2021-03-05 · period ending 2018-12-31 · accession 0001387131-21-003179 (NetIncomeLoss)
- 10-K filed 2022-03-04 · period ending 2019-12-31 · accession 0001387131-22-003161 (NetIncomeLoss)
- 10-K filed 2023-03-02 · periods ending 2020-12-31, 2021-12-31, 2022-12-31 · accession 0001839882-23-005612 (NetIncomeLoss)
- 10-K filed 2021-03-05 · period ending 2018-12-31 · accession 0001387131-21-003179 (NetCashProvidedByUsedInOperatingActivities)
- 10-K filed 2022-03-04 · period ending 2019-12-31 · accession 0001387131-22-003161 (NetCashProvidedByUsedInOperatingActivities)
- 10-K filed 2023-03-02 · periods ending 2020-12-31, 2021-12-31, 2022-12-31 · accession 0001839882-23-005612 (NetCashProvidedByUsedInOperatingActivities)
- 10-K filed 2021-03-05 · period ending 2018-12-31 · accession 0001387131-21-003179 (PaymentsToAcquirePropertyPlantAndEquipment)
- 10-K filed 2022-03-04 · period ending 2019-12-31 · accession 0001387131-22-003161 (PaymentsToAcquirePropertyPlantAndEquipment)
- 10-K filed 2023-03-02 · periods ending 2020-12-31, 2021-12-31, 2022-12-31 · accession 0001839882-23-005612 (PaymentsToAcquirePropertyPlantAndEquipment)
- 10-K filed 2020-03-06 · periods ending 2018-12-31, 2019-12-31 · accession 0001387131-20-002611 (CashAndCashEquivalentsAtCarryingValue)
- 10-K filed 2023-03-02 · periods ending 2020-12-31, 2021-12-31, 2022-12-31 · accession 0001839882-23-005612 (CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents)