Bank Of South Carolina (BKSC) AI Stock Analysis

• Market Cap: $73.56M
• Dividend Yield: 5.32%
• Average Volume (3M): 2.06K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.15
• Revenue Growth: 7.45%
• EPS Growth: 37.20%
• Country: US
• Employees: 78
• Sector: Financial
• Sector Strength: 77
• Industry: Banks - Regional
• EPS (TTM): 1.30
• Shares Outstanding: 5,547,439
• 10 Day Avg. Volume: 3,411
• 30 Day Avg. Volume: 2,056
• PEG Ratio: 0.27
• Price to Book (P/B): N/A
• Price to Sales (P/S): 3.55
• Price to Cash Flow (P/CF): 35.20
• P/FCF Ratio: 11.50
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

The overall stock score for Bank Of South Carolina is 75, reflecting its strong financial stability and attractive valuation with a high dividend yield. However, the lack of revenue growth and ongoing challenges in converting profits to free cash flow are areas that need attention. Technical indicators suggest stable market conditions, although slight caution is warranted.

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

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	26.08M	20.96M	21.25M	20.34M
	Gross Profit
22.35M	20.24M	-1.31B	-1.40B	-1.23B
	EBIT
10.13M	6.91M	8.93M	8.82M	8.43M
	EBITDA
0.00	7.29M	8.99M	9.23M	8.85M
	Net Income Common Stockholders
6.75M	5.49M	6.66M	6.74M	6.46M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
11.01M	263.13M	298.94M	352.46M	183.15M
	Total Assets
557.16M	633.82M	653.35M	679.22M	532.49M
	Total Debt
0.00	58.80M	13.43M	14.04M	12.73M
	Net Debt
-11.01M	36.88M	-14.34M	-126.07M	-35.60M
	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: Negative
• Last Price: 13.26
• 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 13.26 is below the 20-day moving average (MA) of 13.43, below the 50-day MA of 13.60, and above the 200-day MA of 12.59, indicating a neutral trend. The MACD of -0.04 indicates Negative momentum. The RSI at 45.11 is Neutral, neither overbought nor oversold. The STOCH value of 51.95 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
BKSC	75 Outperform	$73.56M	10.20	14.15%	5.32%	7.45%	37.20%
AUBN	70 Neutral	$69.66M	10.89	8.26%	5.42%	34.44%	361.67%
LSBK	69 Neutral	$81.01M	16.30	5.60%	4.98%	4.44%	3.99%
FUSB	66 Neutral	$73.92M	9.62	8.64%	1.87%	9.82%	-2.46%
UBCP	65 Neutral	$78.94M	10.38	11.23%	5.40%	7.53%	-19.74%
Sector *	62 Neutral	$11.85B	9.13	8.11%	79.54%	12.80%	-5.24%
IROQ	55 Neutral	$77.73M	24.97	4.00%	1.70%	19.70%	53.15%