Profitability & MarginsSustained high net and EBIT margins indicate the bank earns robust spread and controls operating costs, producing repeatable earnings. Durable margin structure supports internal capital generation, dividend capacity and resilience through localized economic cycles over the next several quarters.

Improving Balance SheetReduction in debt and rising equity improves funding flexibility and reduces refinancing pressure, strengthening the bank’s capacity to lend and absorb losses. Respectable ROE shows capital is productive, supporting sustainable growth and regulatory capital cushions over coming months.

Strong Cash GenerationConsistently high free cash conversion means internal cash can fund dividends, loan growth and modest buybacks without heavy reliance on external funding. The 2025 step-up signals improving operating cash resilience, aiding durable capital allocation and stress absorption.

Bears Say

Uneven Revenue GrowthIrregular top-line trends make earnings and planning less predictable and constrain scaling investments. When revenue swings, margins must carry performance; persistent uneven growth raises execution risk for strategic initiatives and heightens sensitivity to local economic cycles.

Volatile Cash Flows HistoricallyHistorical swings in operating and free cash flow reduce confidence in future distribution and reinvestment plans. Volatility complicates capital planning and provisioning decisions, meaning management may need to retain earnings or pull back on shareholder returns in adverse periods.

Leverage InstabilityA prior sharp jump in leverage shows the capital structure can deteriorate quickly, raising vulnerability to interest-rate or deposit shocks and potential regulatory scrutiny. Such episodic leverage risk can constrain strategic flexibility and increase refinancing or liquidity risk.

BKSC FAQ

What was Bank Of South Carolina’s price range in the past 12 months?

Bank Of South Carolina lowest stock price was $12.99 and its highest was $17.45 in the past 12 months.

What is Bank Of South Carolina’s market cap?

Bank Of South Carolina’s market cap is $86.79M.

When is Bank Of South Carolina’s upcoming earnings report date?

Bank Of South Carolina’s upcoming earnings report date is Apr 14, 2026 which is in 26 days.

How were Bank Of South Carolina’s earnings last quarter?

Bank Of South Carolina released its earnings results on Jan 08, 2026. The company reported $0.373 earnings per share for the quarter, beating the consensus estimate of N/A by $0.373.

Is Bank Of South Carolina overvalued?

According to Wall Street analysts Bank Of South Carolina’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does Bank Of South Carolina pay dividends?

Bank Of South Carolina pays a Quarterly dividend of $0.23 which represents an annual dividend yield of 5.18%. See more information on Bank Of South Carolina dividends here

What is Bank Of South Carolina’s EPS estimate?

Bank Of South Carolina’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does Bank Of South Carolina have?

Bank Of South Carolina has 5,547,439 shares outstanding.

What happened to Bank Of South Carolina’s price movement after its last earnings report?

Bank Of South Carolina reported an EPS of $0.373 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.128%.

Which hedge fund is a major shareholder of Bank Of South Carolina?

Currently, no hedge funds are holding shares in BKSC

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Bank Of South Carolina Stock Smart Score

Neutral

Technicals

Fundamentals

Return on Equity

14.18%

Trailing 12-Months

Asset Growth

3.22%

Trailing 12-Months

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Company Description

Bank Of South Carolina

Bank of South Carolina Corporation operates as a bank holding company for The Bank of South Carolina that provides a range of financial products and services primarily in Charleston, Berkeley, and Dorchester counties of South Carolina. Its deposits include non-interest-bearing demand accounts, NOW accounts, money market accounts, time deposits, and savings accounts, as well as certificates of deposit. The company offers secured and unsecured commercial loans, commercial real estate construction loans, consumer construction loans, home equity lines of credit, and mortgage originations, as well as paycheck protection program loans. It operates five banking house locations. The company was founded in 1986 and is headquartered in Charleston, South Carolina.