Bank Of South Carolina (BKSC) AI Stock Analysis

• Market Cap: $85.43M
• Dividend Yield: 5.18%
• Average Volume (3M): 1.84K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.10
• Revenue Growth: 5.48%
• EPS Growth: 23.28%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.37
• Shares Outstanding: 5,547,439
• 10 Day Avg. Volume: 2,241
• 30 Day Avg. Volume: 1,838
• PEG Ratio: 0.66
• Price to Book (P/B): 1.48
• Price to Sales (P/S): 2.94
• P/FCF Ratio: 5.77
• Enterprise Value/Market Cap: 0.53
• Enterprise Value/Revenue: 1.65
• Enterprise Value/Gross Profit: 1.83
• Enterprise Value/Ebitda: 4.46
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: $17.00 ▲(8.42% Upside)
• Action: Downgraded Date: 03/13/26
• Date: Action: Downgraded 03/13/26

The score is driven primarily by solid profitability and ROE, tempered by uneven revenue growth, cash-flow variability, and prior leverage instability. Valuation is a meaningful positive (moderate P/E and strong dividend yield), while technical indicators are currently neutral-to-slightly weak.

Positive Factors

Profitability & Margins

Sustained 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 Sheet

Reduction 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 Generation

Consistently 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.

Negative Factors

Uneven Revenue Growth

Irregular 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 Historically

Historical 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 Instability

A 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.

Bank Of South Carolina Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

BKSC makes money primarily through its wholly owned banking subsidiary by earning (1) net interest income and (2) noninterest income. Net interest income is generated from the spread between interest earned on interest-earning assets—such as commercial and consumer loans and investment securities—and interest paid on interest-bearing liabilities—such as interest-bearing deposit accounts and other funding sources. Noninterest income is generated from fees and service charges associated with banking activities, such as deposit account-related fees and other service-based charges. Earnings are reduced by operating expenses (e.g., personnel, occupancy, technology, and regulatory/compliance costs) and credit costs (e.g., provisions for loan losses/credit loss expense). Specific material partnerships or customer concentration factors: null.

Bank Of South Carolina Financial Statement Overview

Summary

Overall financials are solid: strong and consistent profitability (net and EBIT margins) and respectable ROE support quality. Offsetting this, revenue growth has been uneven, cash flows have been volatile across years despite recent improvement, and leverage showed a notable instability spike in 2023.

Income Statement

Profitability is solid and fairly consistent: net profit margin stayed strong (about 21%–31% from 2022–2025) and operating profitability remained healthy (EBIT margin roughly 27%–41%). Revenue growth has been uneven—down in 2022 and 2024, then a sharp rebound in 2025 (about +18%)—but earnings still held up through the softer years, indicating resilient underlying economics. The main weakness is the lack of a steady top-line growth trajectory, which adds volatility risk to forward earnings.

Balance Sheet

The balance sheet shows improved leverage versus the 2023 spike, with total debt dropping materially from 2023 to 2025 and equity rising over the period. Returns on equity are respectable (roughly 12%–17%), supporting the quality of capital generation. However, leverage has been inconsistent (debt-to-equity ranged from ~0.23–0.35 in most years but jumped to ~1.25 in 2023), which is a key risk flag for stability and suggests the capital structure can shift materially year-to-year.

Cash Flow

Cash generation is generally supportive of earnings: free cash flow has often been close to net income (around 90%–99% in 2021–2024), and 2025 shows a meaningful step-up in operating and free cash flow. That said, cash flow has been volatile across the cycle (notably very weak in 2020 and a large drop in free cash flow in 2022–2023 before recovering), which reduces confidence in consistency even though recent momentum is positive.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	30.27M	22.35M	26.08M	21.26M	21.42M
Gross Profit	24.53M	22.35M	20.24M	21.04M	21.13M
EBITDA	10.09M	8.74M	7.29M	8.99M	9.23M
Net Income	7.91M	6.75M	5.49M	6.66M	6.75M
Balance Sheet
Total Assets	575.08M	557.16M	633.82M	653.35M	679.22M
Cash, Cash Equivalents and Short-Term Investments	51.34M	11.01M	186.47M	298.94M	352.46M
Total Debt	11.45M	12.14M	58.80M	13.43M	14.04M
Total Liabilities	514.94M	504.86M	586.73M	614.53M	625.30M
Stockholders Equity	60.14M	52.30M	47.08M	38.81M	53.92M
Cash Flow
Free Cash Flow	15.39M	5.20M	4.45M	8.91M	17.32M
Operating Cash Flow	15.81M	5.35M	4.92M	9.47M	17.46M
Investing Cash Flow	20.69M	69.81M	20.94M	-107.68M	-68.57M
Financing Cash Flow	3.83M	-86.07M	-31.71M	-14.13M	142.89M

Bank Of South Carolina Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 15.68
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKSC, the sentiment is Negative. The current price of 15.68 is above the 20-day moving average (MA) of 15.49, above the 50-day MA of 15.57, and above the 200-day MA of 15.20, indicating a neutral trend. The MACD of -0.01 indicates Negative momentum. The RSI at 44.63 is Neutral, neither overbought nor oversold. The STOCH value of 68.10 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BKSC.

Bank Of South Carolina Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AUBN	69 Neutral	$86.85M	12.98	8.33%	4.16%	24.17%	739.42%
BKSC	68 Neutral	$85.43M	11.24	14.18%	5.18%	5.48%	23.28%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	62 Neutral	$88.98M	16.46	6.22%	1.48%	1.93%	157.35%
PBHC	54 Neutral	$81.38M	-25.99	-2.75%	2.86%	0.84%	―
SSBI	45 Neutral	$88.00M	11.51	6.89%	―	-0.81%	-129.22%