MeritValue

Monroe Federal Bancorp, Inc.

MFBIdata completeness 75%3 fiscal years on file
The thesis, from the filings

Monroe Federal Bancorp, Inc. earns about 24% 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.

i. The business — what you’d actually own
FigureFY 2024FY 2025FY 2026
Revenue———
Net income$59,7691−$326,6402−$514,5982
Operating cash flow−$375,5923−$203,8194−$317,8674
Capital expenditure$116,7375$47,4006$152,1396
Free cash flow (derived)−$492,3293,5−$251,2194,6−$470,0064,6
Total debt———
Cash & equivalents$10.6M7$2.08M7$1.46M7
Diluted shares—491,163492,820

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.

ii. Your slice — ownership made literal
If you owned
shares
Net assets behind them
$251.64
your share of equity
Profit it earned you last year
−$10.44
Free cash flow it threw off
−$9.54
Debt you’d be carrying
—

10 shares is a claim on $251.64 of net worth that earned you −$10.44 and generated −$9.54 of cash last year.

iii. Is this a good business?
Moat signal · return on invested capital
24% avg · 3y
FY24 —FY25 25%FY26 22%

It earned an average 24% on invested capital over 3 years. Compare that to what it costs to fund the business.

seeing a moat in the numbers →
Management signal · capital allocation
+0% shares · 3y

Share count is roughly flat over 3 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.

iv. What it’s worth — engine v0.6.0
DCF · Growth Exit 10Y
not applicable
3y-median FCF non-positive — growth-exit DCF not applicable (see EPV)
DCF · Growth Exit 5Y
not applicable
3y-median FCF non-positive — growth-exit DCF not applicable (see EPV)
Earnings Power Value
not applicable
normalized (5y-median) earnings non-positive — EPV undefined
Graham Number
not applicable
diluted EPS missing or non-positive — Graham Number undefined

Different models answer different questions — which to trust when →

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Sources — the receipts
  1. 10-K filed 2025-07-03 · period ending 2024-03-31 · accession 0001558370-25-009080 (NetIncomeLoss)
  2. 10-K filed 2026-06-25 · periods ending 2025-03-31, 2026-03-31 · accession 0001104659-26-077799 (NetIncomeLoss)
  3. 10-K filed 2025-07-03 · period ending 2024-03-31 · accession 0001558370-25-009080 (NetCashProvidedByUsedInOperatingActivities)
  4. 10-K filed 2026-06-25 · periods ending 2025-03-31, 2026-03-31 · accession 0001104659-26-077799 (NetCashProvidedByUsedInOperatingActivities)
  5. 10-K filed 2025-07-03 · period ending 2024-03-31 · accession 0001558370-25-009080 (PaymentsToAcquirePropertyPlantAndEquipment)
  6. 10-K filed 2026-06-25 · periods ending 2025-03-31, 2026-03-31 · accession 0001104659-26-077799 (PaymentsToAcquirePropertyPlantAndEquipment)
  7. 10-K filed 2026-06-25 · periods ending 2024-03-31, 2025-03-31, 2026-03-31 · accession 0001104659-26-077799 (CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents)