OCONEE FINANCIAL CORP earns about -7% on equity, 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 2010 | FY 2011 |
|---|---|---|
| Revenue | — | — |
| Net income | −$1.07M1 | −$2.12M1 |
| Operating cash flow | $3.59M2 | $2.34M2 |
| Capital expenditure | $103,4293 | $78,1273 |
| Free cash flow (derived) | $3.49M2,3 | $2.26M2,3 |
| Total debt | — | — |
| Cash & equivalents | $30M4 | $18.2M4 |
| Diluted shares | 899,815 | 899,815 |
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 $246.52 of net worth that earned you −$23.61 and generated $25.14 of cash last year.
It earned an average -7% on equity over 2 years. Compare that to what it costs to fund the business.
seeing a moat in the numbers →Share count is roughly flat over 2 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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See pricing →Follow OSBK and keep your own price beside the value. The same engine, with the same receipts.
MeritValue on the App Store →- 10-K filed 2012-03-30 · periods ending 2010-12-31, 2011-12-31 · accession 0001019687-12-001135 (NetIncomeLoss)
- 10-K filed 2012-03-30 · periods ending 2010-12-31, 2011-12-31 · accession 0001019687-12-001135 (NetCashProvidedByUsedInOperatingActivities)
- 10-K filed 2012-03-30 · periods ending 2010-12-31, 2011-12-31 · accession 0001019687-12-001135 (PaymentsToAcquirePropertyPlantAndEquipment)
- 10-K filed 2012-03-30 · periods ending 2010-12-31, 2011-12-31 · accession 0001019687-12-001135 (CashAndCashEquivalentsAtCarryingValue)