BANK OF SOUTH CAROLINA CORP (BKSC)

US0650661020 - Common Stock

12  -0.05 (-0.41%)

Fundamental Rating

4

Taking everything into account, BKSC scores 4 out of 10 in our fundamental rating. BKSC was compared to 412 industry peers in the Banks industry. BKSC has only an average score on both its financial health and profitability. BKSC does not seem to be growing, but still is valued expensively. Finally BKSC also has an excellent dividend rating.



4

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.
Each year in the past 5 years BKSC has been profitable.
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 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

1.3 Margins

With a decent Profit Margin value of 31.89%, BKSC is doing good in 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 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

4

2. Health

2.1 Basic Checks

BKSC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BKSC has been increased compared to 1 year ago.
Compared to 5 years 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.

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%

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A

2

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%.
BKSC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.02% yearly.
BKSC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.93%.
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 growth Q2Q9.45%
Revenue 1Y (TTM)2.93%
Revenue growth 3Y1.07%
Revenue growth 5Y3.07%
Revenue growth Q2Q6.12%

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.

2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.00, the valuation of BKSC can be described as very 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 24.55. BKSC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10
Fwd PE N/A

4.2 Price Multiples

BKSC's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector 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

7

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.35%, BKSC is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.86, 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 2.39, 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

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

BANK OF SOUTH CAROLINA CORP

NASDAQ:BKSC (9/14/2023, 8:14:37 PM)

12

-0.05 (-0.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap66.57M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 6.35%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
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Revenue beat(4)
Avg Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 10
Fwd PE N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)1.66
Profitability
Industry RankSector Rank
ROA 1.05%
ROE 15.58%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 31.89%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)7.23%
EPS 3Y-3.45%
EPS 5Y
EPS growth Q2Q
EPS Next YN/A
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)2.93%
Revenue growth 3Y1.07%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y