Bank Of South Carolina (BKSC) AI Stock Analysis

• Market Cap: $86.98M
• Dividend Yield: 5.18%
• Average Volume (3M): 1.84K
• Price to Earnings (P/E): 11.1
• Beta (1Y): 0.09
• Revenue Growth: 5.48%
• EPS Growth: 23.28%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.36
• Shares Outstanding: 5,547,439
• 10 Day Avg. Volume: 2,241
• 30 Day Avg. Volume: 1,838
• PEG Ratio: 0.42
• Price to Book (P/B): 1.38
• Price to Sales (P/S): 3.24
• P/FCF Ratio: 13.90
• Enterprise Value/Market Cap: 1.24
• Enterprise Value/Revenue: 4.23
• Enterprise Value/Gross Profit: 4.47
• Enterprise Value/Ebitda: 10.77
• 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: 76 Outperform
• Price Target: $18.00 ▲(14.80% Upside)

Bank Of South Carolina's stock is supported by strong financial stability, characterized by zero debt and robust equity. The stock's valuation is attractive, with a reasonable P/E ratio and a high dividend yield. Technical indicators suggest a positive trend, although revenue growth remains a concern. Overall, the stock is a stable investment with potential for income through dividends.

Positive Factors

Financial Stability

Zero debt and a strong equity base indicate high financial stability, reducing leverage risk and providing a solid foundation for long-term growth.

Profitability

Strong return on equity reflects efficient use of shareholder funds, enhancing investor confidence and supporting sustainable profit generation.

Dividend Policy

Consistent dividend payments indicate a commitment to returning value to shareholders, enhancing the company's attractiveness as an income investment.

Negative Factors

Revenue Growth Concerns

Negative revenue growth poses a challenge to sustaining long-term profitability and may indicate difficulties in expanding market share or product offerings.

Free Cash Flow Conversion

Weak free cash flow conversion suggests inefficiencies in translating profits into cash, potentially limiting reinvestment opportunities and financial flexibility.

Net Profit Margin Decline

A declining net profit margin can erode profitability, indicating potential cost pressures or inefficiencies that need addressing to maintain financial health.

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

Bank of South Carolina generates revenue primarily through net interest income and non-interest income. Net interest income is earned from the interest on loans provided to customers, including personal loans, mortgages, and commercial loans, minus the interest paid on deposits. Non-interest income comes from various fees charged for services such as account maintenance, ATM usage, and wealth management services. Additionally, the bank may earn revenue from investment activities and partnerships with local businesses to provide financial solutions tailored to their needs. The bank's strategic focus on the local community helps foster customer loyalty and drives deposits, which in turn supports loan growth and enhances its overall profitability.

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.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	25.59M	22.35M	26.08M	21.26M	21.42M	20.64M
Gross Profit	24.22M	22.35M	20.24M	21.04M	21.13M	20.10M
EBITDA	10.04M	8.74M	7.29M	8.99M	9.23M	8.85M
Net Income	7.71M	6.75M	5.49M	6.66M	6.75M	6.46M
Balance Sheet
Total Assets	575.92M	557.16M	633.82M	653.35M	679.22M	532.49M
Cash, Cash Equivalents and Short-Term Investments	0.00	11.01M	186.47M	298.94M	352.46M	183.15M
Total Debt	23.25M	12.14M	58.80M	13.43M	14.04M	12.73M
Total Liabilities	516.96M	504.86M	586.73M	614.53M	625.30M	477.51M
Stockholders Equity	58.96M	52.30M	47.08M	38.81M	53.92M	54.98M
Cash Flow
Free Cash Flow	0.00	5.20M	4.45M	8.91M	17.32M	107.85K
Operating Cash Flow	0.00	5.35M	4.92M	9.47M	17.46M	291.99K
Investing Cash Flow	0.00	69.81M	20.94M	-107.68M	-68.57M	-80.19M
Financing Cash Flow	0.00	-86.07M	-31.71M	-14.13M	142.89M	79.13M

Bank Of South Carolina Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.68
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 15.68 is above the 20-day moving average (MA) of 15.58, above the 50-day MA of 15.63, and above the 200-day MA of 14.89, indicating a bullish trend. The MACD of -0.04 indicates Negative momentum. The RSI at 52.66 is Neutral, neither overbought nor oversold. The STOCH value of 78.86 is Neutral, 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
BKSC	76 Outperform	$86.98M	11.12	13.87%	5.18%	5.48%	23.28%
AUBN	69 Neutral	$86.85M	11.98	8.22%	4.16%	24.17%	739.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	65 Neutral	$90.89M	16.97	6.20%	1.48%	1.93%	157.35%
PBHC	54 Neutral	$84.47M	-14.35	2.26%	2.86%	0.84%	―
SSBI	45 Neutral	$91.34M	13.54	-1.41%	―	-0.81%	-129.22%