Bank Of South Carolina (BKSC)
OTHER OTC:BKSC
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Bank Of South Carolina
(OTC:BKSC)
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Rating:68Neutral
Price Target:
$17.00
▲(8.42% Upside)
Action:DowngradedDate: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.
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.
Read all positive and negative factors
Positive Factors
Negative 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.
Read all positive factors
Bank Of South Carolina (BKSC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$87.54M
Dividend Yield5.18%
Average Volume (3M)1.84K
Price to Earnings (P/E)11.2
Beta (1Y)0.08
Revenue Growth5.48%
EPS Growth23.28%
CountryUS
Employees78
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.37
Shares Outstanding5,547,439
10 Day Avg. Volume2,241
30 Day Avg. Volume1,838
Financial Highlights & Ratios
PEG Ratio0.66
Price to Book (P/B)1.48
Price to Sales (P/S)2.94
P/FCF Ratio5.77
Enterprise Value/Market Cap0.52
Enterprise Value/Revenue1.67
Enterprise Value/Gross Profit1.86
Enterprise Value/Ebitda4.52
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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 deposit...
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 comme...
Bank Of South Carolina Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
70
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
Positive
15.68
Price Trends
15.63
Positive
15.66
Positive
15.36
Positive
Market Momentum
0.06
Negative
54.00
Neutral
64.29
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 below the 20-day moving average (MA) of 15.69, above the 50-day MA of 15.63, and above the 200-day MA of 15.36, indicating a bullish trend. The MACD of 0.06 indicates Negative momentum. The RSI at 54.00 is Neutral, neither overbought nor oversold. The STOCH value of 64.29 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $87.54M | 11.24 | 14.18% | 5.18% | 5.48% | 23.28% | |
68 Neutral | $90.80M | 11.51 | 6.89% | ― | -0.81% | -129.22% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $82.96M | 12.98 | 8.27% | 4.16% | 24.17% | 739.42% | |
51 Neutral | $85.84M | -25.99 | -2.75% | 2.86% | 0.84% | ― |
* Financial Sector Average
BKSC
Bank Of South Carolina
15.78
3.09
24.40%
AUBN
Auburn National Bancorporation
23.75
4.42
22.85%
PBHC
Pathfinder Bancorp
13.72
-1.48
-9.74%
SSBI
Summit State Bank
13.69
5.54
67.91%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.