Bank Of South Carolina (BKSC) AI Stock Analysis

• Market Cap: $81.44M
• Dividend Yield: 5.18%
• Average Volume (3M): 2.19K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.20
• Revenue Growth: 7.45%
• EPS Growth: 37.24%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 1.30
• Shares Outstanding: 5,547,439
• 10 Day Avg. Volume: 3,002
• 30 Day Avg. Volume: 2,194
• PEG Ratio: 2.55
• Price to Book (P/B): 2.03
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 45.93
• Enterprise Value/Market Cap: 0.83
• Enterprise Value/Revenue: 0.76
• Enterprise Value/Gross Profit: 3.35
• Enterprise Value/Ebitda: 4.40
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: ―

Bank Of South Carolina is financially stable with a strong balance sheet and zero debt, but it faces challenges in revenue growth. Valuation metrics suggest the stock is undervalued, offering a good dividend yield. Technical indicators are mixed, showing no strong momentum. Overall, the stock is a stable investment with potential for value appreciation if revenue growth can be improved.

Bank Of South Carolina Business Overview & Revenue Model

Company Description

The Bank of South Carolina (BKSC) is a state-chartered bank headquartered in Charleston, South Carolina. It operates in the financial services sector, providing a range of banking products and services. The bank focuses on offering personalized customer service through traditional banking operations, including commercial and retail banking solutions. Its core services include personal and business checking and savings accounts, loans, mortgages, and investment services.

How the Company Makes Money

The Bank of South Carolina makes money primarily through interest income, which it earns by providing loans and mortgages to individuals and businesses. The bank charges interest on the loans it issues, which is a significant source of revenue. Additionally, BKSC generates income from fees associated with its banking services, such as account maintenance fees, transaction fees, and service charges. The bank also earns money from investment activities, including the management of securities and other financial instruments. Its revenue model is bolstered by maintaining strong customer relationships and offering tailored financial solutions in the communities it serves.

Bank Of South Carolina Financial Statement Overview

Summary

Bank Of South Carolina demonstrates solid financial health with a strong balance sheet, characterized by zero debt and robust equity. Profitability is strong, but revenue decline needs to be addressed to ensure future growth. Cash flow management is generally effective, although there is room for improvement in free cash flow conversion. Overall, the company is financially stable but should focus on boosting revenue and enhancing free cash flow efficiency.

Income Statement

The company's income statement shows a mixed performance. The gross profit margin improved significantly from a negative to a positive figure, and there was substantial growth in EBIT margin. However, net profit margin decreased slightly due to a drop in revenue. The revenue growth rate was negative, which is a concern. Overall, profitability metrics are strong, but revenue growth is a key area for improvement.

Balance Sheet

The balance sheet is strong, with zero total debt, leading to a debt-to-equity ratio of zero, which indicates high financial stability. The equity ratio is healthy, suggesting a solid equity base relative to total assets. Return on equity is strong and shows good profitability for shareholders. The company's financial position is stable with minimal leverage risk.

Cash Flow

The cash flow statement indicates a moderate performance. Free cash flow growth is positive, and the company maintains a solid operating cash flow to net income ratio, indicating efficient cash conversion. However, the free cash flow to net income ratio is weaker, suggesting some issues in converting profits to free cash flow.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	22.35M	20.24M	21.26M	21.25M	20.34M
Gross Profit	22.35M	20.24M	21.04M	21.13M	20.10M
EBITDA	8.74M	7.29M	8.99M	9.23M	8.85M
Net Income	6.75M	5.49M	6.66M	6.75M	6.46M
Balance Sheet
Total Assets	557.16M	633.82M	653.35M	679.22M	532.49M
Cash, Cash Equivalents and Short-Term Investments	11.01M	263.13M	298.94M	352.46M	183.15M
Total Debt	0.00	58.80M	13.43M	14.04M	12.73M
Total Liabilities	504.86M	586.73M	614.53M	625.30M	477.51M
Stockholders Equity	52.30M	47.08M	38.81M	53.92M	54.98M
Cash Flow
Free Cash Flow	5.20M	4.45M	8.91M	17.32M	107.85K
Operating Cash Flow	5.35M	6.18M	9.47M	17.46M	291.99K
Investing Cash Flow	69.81M	20.94M	-107.68M	-68.57M	-80.19M
Financing Cash Flow	-86.07M	-31.71M	-14.13M	142.89M	79.13M

Bank Of South Carolina Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.68
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKSC, the sentiment is Positive. The current price of 14.68 is above the 20-day moving average (MA) of 14.30, above the 50-day MA of 14.33, and above the 200-day MA of 13.35, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 58.70 is Neutral, neither overbought nor oversold. The STOCH value of 85.29 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BKSC.

Bank Of South Carolina Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FUSB	74 Outperform	$72.07M	9.77	8.10%	2.23%	5.04%	-6.92%
UBCP	73 Outperform	$82.62M	11.56	11.29%	5.19%	5.81%	-22.37%
LSBK	73 Outperform	$90.35M	18.33	5.61%	4.52%	1.62%	21.82%
BKSC	72 Outperform	$81.44M	11.29	14.00%	5.18%	7.45%	37.24%
IROQ	70 Outperform	$81.38M	23.77	4.35%	1.65%	11.65%	67.39%
AUBN	70 Neutral	$80.81M	12.33	8.32%	4.67%	22.78%	722.30%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%