Logo image of BKSC

BANK OF SOUTH CAROLINA CORP (BKSC) Stock Fundamental Analysis

NASDAQ:BKSC - Nasdaq - US0650661020 - Common Stock - Currency: USD

12  -0.05 (-0.41%)

Fundamental Rating

4

Overall BKSC gets a fundamental rating of 4 out of 10. We evaluated BKSC against 396 industry peers in the Banks industry. BKSC has an average financial health and profitability rating. BKSC does not seem to be growing, but still is valued expensively. BKSC also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

In the past year BKSC was profitable.
In the past year BKSC had a positive cash flow from operations.
Each year in the past 5 years BKSC has been profitable.
Each year in the past 5 years BKSC had a positive operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.05%, BKSC is in line with its industry, outperforming 52.40% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.58%, BKSC belongs to the top of the industry, outperforming 84.13% of the companies in the same industry.
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 2015 2016 2017 2018 2019 2020 2021 2022 5 10 15

1.3 Margins

The Profit Margin of BKSC (31.89%) is better than 72.60% of its industry peers.
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 2015 2016 2017 2018 2019 2020 2021 2022 10 20 30

More info and screens

4

2. Health

2.1 Basic Checks

BKSC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BKSC has more shares outstanding
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 200M 400M 600M

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 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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 7.23% over the past year.
BKSC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.02% yearly.
The Revenue has been growing slightly by 2.93% in the past year.
The Revenue has been growing slightly by 3.07% on average over the past years.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.00 indicates a reasonable 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.
When comparing the Price/Earnings ratio of BKSC to the average of the S&P500 Index (26.46), we can say 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

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

More info and screens

7

5. Dividend

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 3.46. 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 2.38.
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.
BKSC has decreased its dividend 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 2015 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.
BKSC's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept 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 2015 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

More info and screens

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 2023-07-13/bmo
Earnings (Next)10-11 2023-10-11/bmo
Inst Owners0.18%
Inst Owner Change0%
Ins Owners13.52%
Ins Owner Change0%
Market Cap66.57M
Analysts0
Price TargetN/A
Short Float %0.06%
Short Ratio0.29
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
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
ROICexcg growth 3YN/A
ROICexcg 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%