BANK OF SOUTH CAROLINA CORP (BKSC) Fundamental Analysis & Valuation

NASDAQ:BKSC • US0650661020

Current stock price

12 USD
-0.05 (-0.41%)
Last:

This BKSC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BKSC Profitability Analysis

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 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 of 1.05%. This is comparable to the rest of the industry: BKSC outperforms 52.40% of its industry peers.
  • BKSC's Return On Equity of 15.58% is amongst the best of the industry. BKSC outperforms 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

  • 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.
  • The Operating Margin and Gross Margin are not available for BKSC so they could not be analyzed.
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. BKSC Health Analysis

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.
  • BKSC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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. BKSC Growth Analysis

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.
  • Looking at the last year, BKSC shows a small growth in Revenue. The Revenue has grown by 2.93% in the last 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. BKSC Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.00, which indicates a very decent valuation of BKSC.
  • BKSC's Price/Earnings ratio is a bit more expensive when compared to the industry. BKSC is more expensive than 75.72% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, BKSC is valued rather cheaply.
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BKSC is on the same level as its industry peers.
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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7

5. BKSC Dividend Analysis

5.1 Amount

  • BKSC has a Yearly Dividend Yield of 6.35%, which is a nice return.
  • BKSC's Dividend Yield is rather good when compared to the industry average which is at 2.55. BKSC pays more dividend than 92.79% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, BKSC pays a better dividend.
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

  • 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
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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BKSC Fundamentals: All Metrics, Ratios and Statistics

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
Industry Strength69.57
Industry Growth91.93
Earnings (Last)04-14
Earnings (Next)N/A
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 Number0 (-100%)
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 Fundamental Analysis 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.


Can you provide the profitability details for BANK OF SOUTH CAROLINA CORP?

BANK OF SOUTH CAROLINA CORP (BKSC) has a profitability rating of 4 / 10.


Can you provide the dividend sustainability for BKSC stock?

The dividend rating of BANK OF SOUTH CAROLINA CORP (BKSC) is 7 / 10 and the dividend payout ratio is 55.68%.