BANK OF SOUTH CAROLINA CORP (BKSC) Stock Fundamental Analysis
USA - NASDAQ:BKSC - US0650661020 - Common Stock
12 USD
-0.05 (-0.41%)
Taking everything into account, BKSC scores 4 out of 10 in our fundamental rating. BKSC was compared to 390 industry peers in the Banks industry. BKSC has an average financial health and profitability rating. BKSC is valued expensive and it does not seem to be growing. Finally BKSC also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BKSC had positive earnings in the past year.
In the past year BKSC had a positive cash flow from operations.
BKSC had positive earnings in each of the past 5 years.
BKSC had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BKSC has a Return On Assets of 1.05%. This is comparable to the rest of the industry: BKSC outperforms 52.40% of its industry peers.
BKSC has a better Return On Equity (15.58%) than 84.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 15.58% | ||
| ROIC | N/A |
ROA(3y)1.07%
ROA(5y)1.3%
ROE(3y)13.8%
ROE(5y)14.18%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 31.89%, BKSC is in the better half of the industry, outperforming 72.60% of the companies in the same industry.
In the last couple of years the Profit Margin of BKSC has grown nicely.
BKSC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.89% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.15%
PM growth 5Y3.15%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BKSC does not have a ROIC to compare to the WACC, probably because it is not profitable.
BKSC has more shares outstanding than it did 1 year ago.
There is no outstanding debt for BKSC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
BKSC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BKSC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.23%.
Measured over the past 5 years, BKSC shows a small growth in Earnings Per Share. The EPS has been growing by 6.02% on average per year.
Looking at the last year, BKSC shows a small growth in Revenue. The Revenue has grown by 2.93% in the last year.
BKSC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.07% yearly.
EPS 1Y (TTM)7.23%
EPS 3Y-3.45%
EPS 5Y6.02%
EPS Q2Q%9.45%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y1.07%
Revenue growth 5Y3.07%
Sales Q2Q%6.12%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.00, the valuation of BKSC can be described as reasonable.
75.72% of the companies in the same industry are cheaper than BKSC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.76. BKSC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10 | ||
| Fwd PE | N/A |
4.2 Price Multiples
BKSC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.51 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.66
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
BKSC has a Yearly Dividend Yield of 6.35%, which is a nice return.
Compared to an average industry Dividend Yield of 3.50, BKSC pays a better dividend. On top of this BKSC pays more dividend than 92.79% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.31, BKSC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.35% |
5.2 History
The dividend of BKSC has a limited annual growth rate of 5.82%.
BKSC has been paying a dividend for at least 10 years, so it has a reliable track record.
BKSC has decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.82%
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
55.68% of the earnings are spent on dividend by BKSC. This is a bit on the high side, but may be sustainable.
The dividend of BKSC is growing around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP55.68%
EPS Next 2YN/A
EPS Next 3YN/A
NASDAQ:BKSC (9/14/2023, 9:14:37 PM)
12
-0.05 (-0.41%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners0.18%
Inst Owner Change0%
Ins Owners13.52%
Ins Owner Change0%
Market Cap66.57M
Revenue(TTM)21.26M
Net Income(TTM)6.78M
Analysts0
Price TargetN/A
Short Float %0.19%
Short Ratio0.87
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.35% |
Yearly Dividend0.68
Dividend Growth(5Y)5.82%
DP55.68%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10 | ||
| Fwd PE | N/A | ||
| P/S | 3.13 | ||
| P/FCF | 7.51 | ||
| P/OCF | 7.01 | ||
| P/B | 1.53 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.2
EY10%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)1.6
FCFY13.32%
OCF(TTM)1.71
OCFY14.27%
SpS3.83
BVpS7.84
TBVpS7.84
PEG (NY)N/A
PEG (5Y)1.66
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.05% | ||
| ROE | 15.58% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.89% | ||
| GM | N/A | ||
| FCFM | 41.7% |
ROA(3y)1.07%
ROA(5y)1.3%
ROE(3y)13.8%
ROE(5y)14.18%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-4.15%
PM growth 5Y3.15%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 183.28% | ||
| Cap/Sales | 2.99% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 130.75% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC9.13%
ROIC/WACCN/A
Cap/Depr(3y)78.08%
Cap/Depr(5y)266.29%
Cap/Sales(3y)1.41%
Cap/Sales(5y)3.3%
Profit Quality(3y)130.85%
Profit Quality(5y)110.75%
High Growth Momentum
Growth
EPS 1Y (TTM)7.23%
EPS 3Y-3.45%
EPS 5Y6.02%
EPS Q2Q%9.45%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.93%
Revenue growth 3Y1.07%
Revenue growth 5Y3.07%
Sales Q2Q%6.12%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1022.08%
FCF growth 3Y58.2%
FCF growth 5Y2.07%
OCF growth 1Y932.6%
OCF growth 3Y28.74%
OCF growth 5Y2.98%
BANK OF SOUTH CAROLINA CORP / BKSC FAQ
Can you provide the ChartMill fundamental rating for BANK OF SOUTH CAROLINA CORP?
ChartMill assigns a fundamental rating of 4 / 10 to BKSC.
Can you provide the valuation status for BANK OF SOUTH CAROLINA CORP?
ChartMill assigns a valuation rating of 2 / 10 to BANK OF SOUTH CAROLINA CORP (BKSC). This can be considered as Overvalued.
How profitable is BANK OF SOUTH CAROLINA CORP (BKSC) stock?
BANK OF SOUTH CAROLINA CORP (BKSC) has a profitability rating of 4 / 10.
What is the valuation of BANK OF SOUTH CAROLINA CORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANK OF SOUTH CAROLINA CORP (BKSC) is 10 and the Price/Book (PB) ratio is 1.53.