BANK OF SOUTH CAROLINA CORP (BKSC) Stock Fundamental Analysis

NASDAQ:BKSC • US0650661020

12 USD
-0.05 (-0.41%)
Last: Sep 14, 2023, 09:14 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

BKSC gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. BKSC scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. BKSC has a expensive valuation and it also scores bad on growth. BKSC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • BKSC had positive earnings in the past year.
  • BKSC had a positive operating cash flow in the past year.
BKSC Yearly Net Income VS EBIT VS OCF VS FCFBKSC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

1.2 Ratios

  • BKSC has a Return On Assets (1.05%) which is in line with its industry peers.
  • The Return On Equity of BKSC (15.58%) is better than 84.13% of its industry peers.
Industry RankSector 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
BKSC Yearly ROA, ROE, ROICBKSC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 5 10 15

1.3 Margins

  • BKSC has a better Profit Margin (31.89%) than 72.60% of its industry peers.
  • 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 RankSector 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
BKSC Yearly Profit, Operating, Gross MarginsBKSC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 10 20 30

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4

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.
BKSC Yearly Shares OutstandingBKSC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 1M 2M 3M 4M 5M
BKSC Yearly Total Debt VS Total AssetsBKSC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M

2.2 Solvency

  • 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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC9.13%
BKSC Yearly LT Debt VS Equity VS FCFBKSC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 10M 20M 30M 40M 50M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BKSC Yearly Current Assets VS Current LiabilitesBKSC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.23% over the past year.
  • The Earnings Per Share has been growing slightly by 6.02% on average over the past years.
  • The Revenue has been growing slightly by 2.93% in the past year.
  • Measured over the past years, BKSC shows a small growth in Revenue. The Revenue has been growing by 3.07% on average per year.
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.
BKSC Yearly Revenue VS EstimatesBKSC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M

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2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.00, which indicates a very decent valuation of BKSC.
  • 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 26.99. BKSC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10
Fwd PE N/A
BKSC Price Earnings VS Forward Price EarningsBKSC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as BKSC.
Industry RankSector Rank
P/FCF 7.51
EV/EBITDA N/A
BKSC Per share dataBKSC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.66
EPS Next 2YN/A
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 6.35%, BKSC is a good candidate for dividend investing.
  • BKSC's Dividend Yield is rather good when compared to the industry average which is at 2.79. BKSC pays more dividend than 92.79% of the companies in the same industry.
  • BKSC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector 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.
  • The dividend of BKSC decreased in the last 3 years.
Dividend Growth(5Y)5.82%
Div Incr Years2
Div Non Decr Years2
BKSC Yearly Dividends per shareBKSC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 0.2 0.4 0.6 0.8

5.3 Sustainability

  • BKSC pays out 55.68% of its income as dividend. 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
BKSC Yearly Income VS Free CF VS DividendBKSC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M
BKSC Dividend Payout.BKSC Dividend Payout, showing the Payout Ratio.BKSC Dividend Payout.PayoutRetained Earnings

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BANK OF SOUTH CAROLINA CORP

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)07-13
Earnings (Next)10-11
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 %0.08%
Short Ratio0.36
Dividend
Industry RankSector 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 RankSector 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 RankSector 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 RankSector 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.


What is the valuation status for BKSC stock?

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 are the PE and PB ratios of BANK OF SOUTH CAROLINA CORP (BKSC) stock?

The Price/Earnings (PE) ratio for BANK OF SOUTH CAROLINA CORP (BKSC) is 10 and the Price/Book (PB) ratio is 1.53.


Can you provide the financial health for BKSC stock?

The financial health rating of BANK OF SOUTH CAROLINA CORP (BKSC) is 4 / 10.