📊 BKSC Key Takeaways
Is Bank Of South Carolina Corp. (BKSC) a Good Investment?
Bank of South Carolina demonstrates solid profitability with a 24.6% net margin and positive free cash flow of $2.0M, but faces significant challenges including minimal ROA of 0.4%, weak ROE of 6.7%, and concerningly low interest coverage of 1.5x. The company shows modest revenue growth of 1.6% YoY, which combined with thin asset returns, suggests limited operational efficiency despite healthy margin profiles.
Bank of South Carolina shows solid core profitability with a 30.1% operating margin, 24.6% net margin, and positive free cash flow generation. However, growth is modest, returns on assets and equity are relatively low for a bank, and weak interest coverage suggests limited earnings cushion if funding costs or credit pressures rise. The fundamentals support stability more than strong upside based on operating performance alone.
Why Buy Bank Of South Carolina Corp. Stock? BKSC Key Strengths
- Strong net profit margin of 24.6% demonstrates effective cost control
- Positive free cash flow generation of $2.0M with 17.5% FCF margin indicates operational liquidity
- Zero debt/equity ratio provides financial stability and eliminates leverage risk
- Substantial asset base of $648.4M provides operational foundation
- Healthy profitability with 30.1% operating margin and 24.6% net margin
- Positive operating cash flow and free cash flow with limited capital spending needs
- No reported long-term debt, reducing balance sheet refinancing risk
BKSC Stock Risks: Bank Of South Carolina Corp. Investment Risks
- Critically low ROA of 0.4% indicates poor asset utilization and operational inefficiency for a bank
- Weak interest coverage ratio of 1.5x suggests minimal buffer for handling interest obligations
- Modest revenue growth of 1.6% YoY indicates stagnation in a competitive banking environment
- Deteriorating EPS of -0.8% YoY despite positive net income signals shareholder value erosion
- Low ROE of 6.7% substantially underperforms typical bank industry benchmarks of 8-12%
- Low ROA of 0.4% and ROE of 6.7% indicate only moderate earnings efficiency
- Revenue growth of 1.6% and slightly declining diluted EPS suggest limited operating momentum
- Interest coverage of 1.5x leaves a relatively thin buffer against higher funding costs or earnings pressure
Key Metrics to Watch
- Asset quality metrics and non-performing loan ratios to assess credit risk
- Net interest margin trends as primary revenue driver for banks
- Deposit growth and funding cost changes to evaluate competitive positioning
- Return on assets trajectory to determine if operational efficiency is improving
- Net interest margin and interest coverage trend
- ROA/ROE improvement alongside deposit and loan growth quality
Bank Of South Carolina Corp. (BKSC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BKSC Profit Margin, ROE & Profitability Analysis
BKSC vs Finance Sector: How Bank Of South Carolina Corp. Compares
How Bank Of South Carolina Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Bank Of South Carolina Corp. Stock Overvalued? BKSC Valuation Analysis 2026
Based on fundamental analysis, Bank Of South Carolina Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Bank Of South Carolina Corp. Balance Sheet: BKSC Debt, Cash & Liquidity
BKSC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Bank Of South Carolina Corp.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.14 reflects profitable operations.
BKSC Revenue Growth, EPS Growth & YoY Performance
Bank Of South Carolina Corp. Dividends, Buybacks & Capital Allocation
BKSC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Bank Of South Carolina Corp. (CIK: 0001007273)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BKSC
What is the AI rating for BKSC?
Bank Of South Carolina Corp. (BKSC) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 64% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BKSC's key strengths?
Claude: Strong net profit margin of 24.6% demonstrates effective cost control. Positive free cash flow generation of $2.0M with 17.5% FCF margin indicates operational liquidity. ChatGPT: Healthy profitability with 30.1% operating margin and 24.6% net margin. Positive operating cash flow and free cash flow with limited capital spending needs.
What are the risks of investing in BKSC?
Claude: Critically low ROA of 0.4% indicates poor asset utilization and operational inefficiency for a bank. Weak interest coverage ratio of 1.5x suggests minimal buffer for handling interest obligations. ChatGPT: Low ROA of 0.4% and ROE of 6.7% indicate only moderate earnings efficiency. Revenue growth of 1.6% and slightly declining diluted EPS suggest limited operating momentum.
What is BKSC's revenue and growth?
Bank Of South Carolina Corp. reported revenue of $11.7M.
Does BKSC pay dividends?
Bank Of South Carolina Corp. pays dividends, with $1.9M distributed to shareholders in the trailing twelve months.
Where can I find BKSC SEC filings?
Official SEC filings for Bank Of South Carolina Corp. (CIK: 0001007273) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BKSC's EPS?
Bank Of South Carolina Corp. has a diluted EPS of $0.51.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BKSC a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Bank Of South Carolina Corp. has a HOLD rating with 64% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is BKSC stock overvalued or undervalued?
Valuation metrics for BKSC: ROE of 6.7% (sector avg: 12%), net margin of 24.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BKSC stock in 2026?
Our dual AI analysis gives Bank Of South Carolina Corp. a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BKSC's free cash flow?
Bank Of South Carolina Corp.'s operating cash flow is $2.3M, with capital expenditures of $224.7K. FCF margin is 17.5%.
How does BKSC compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.6% (avg: 25%), ROE 6.7% (avg: 12%), current ratio N/A (avg: 1.2).