Bank of South Carolina BKSC

FinancialsBanking ServicesUnited States of America

Last close 20.80 USD on Nov 2, 2026, +37.9% year to date

Quant rating

Quant rating D Rank 638 of 799 in Financials

Growth D 609 of 799
Valuation D 718 of 799
Quality D 581 of 799
Revisions D 617 of 799
Momentum A 47 of 799

Historical valuation

Valuation history unavailable.

Key data

Market cap: 111M
Enterprise value: 111M
52-week range: 15.10 – 20.92
3-year range: 11.00 – 20.92
Dividend yield: 4.91%
Beta (5 years): 0.28
Shares outstanding: 5.3M
Next earnings: –

About the company

The Bank of South Carolina (the Bank) operates as a state-chartered financial institution. The Bank’s personal banking services include checking, savings, certificates of deposit, health savings accounts, individual retirement accounts, VISA CheckCards, eSafe Internet banking, mobile banking, consumer loans, credit cards, personal reserve checking and safe deposit boxes. The Bank offers various business banking services, including eCorp Internet banking, commercial loans, credit cards, wire transfer requests, merchant credit cards services, and other.

Growth and profitability

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	28.4	27.0	24.3	19.2	17.6	–
Revenue growth	5.3%	10.9%	26.6%	9.4%	1.8%	10.5%
EPS (basic, normalized)	1.46	1.23	1.00	1.20	1.22	–
EPS growth	18.7%	22.8%	−16.5%	−1.7%	4.3%	4.5%
Gross margin	–	–	–	–	–	–
Net margin	27.8%	25.0%	22.6%	34.7%	38.4%	29.7%
ROE	–	–	–	–	–	–

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	–
Long-term debt (mil)	–
Net debt (mil)	–
Total equity (mil)	62.0
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	28.4	+5.3%	3.9x	–	–	–	–	–	–

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	–	–	–	–	–	–	–	–
2027	–	–	–	–	–	–	–	–
2028	–	–	–	–	–	–	–	–

Earnings surprises

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Dec 2008	Mar 2009	Jun 2009	FQ-6	FQ-5	FQ-4	FQ-3	FQ-2	FQ-1	FQ0
Sales reported (mil)	–	–	–	–	–	–	–	–	–	–
Sales mean (mil)	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–
EPS reported	0.15	0.14	0.13	–	–	–	–	–	–	–
EPS mean	–	–	–	–	–	–	–	–	–	–
Surprise	–	–	–	–	–	–	–	–	–	–

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
BKSC Bank of South Carolina	111M	–	27.8%	1.38x	–	–	–	–
CPIJ Capitec Limited	32.2B	32.5%	50.5%	1.77x	26.7x	22.5x	7.7x	6.6x
SBKJ Standard Bank Group Limited	29.5B	14.2%	23.8%	1.37x	9.2x	8.2x	1.7x	1.6x
600000 Shanghai Pudong Development Bank Co., Ltd.	50.4B	10.0%	17.5%	1.32x	6.6x	6.3x	0.4x	0.4x
601009 Bank of Nanjing Co Ltd	22.8B	10.5%	23.8%	1.45x	6.5x	6.0x	0.8x	0.7x
SFBS ServisFirst Bancshares Inc	4.5B	11.8%	27.9%	1.05x	13.0x	11.8x	1.6x	1.4x
Mean		15.8%	28.6%	1.39x	12.4x	11.0x	2.4x	2.1x
Median		11.8%	25.8%	1.38x	9.2x	8.2x	1.6x	1.4x

Technical analysis

1M+11.0%
3M+15.5%
1Y+37.7%
3Y+114.8%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Bank of South Carolina, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	28.4	27.0	24.3	19.2	17.6	17.2
Total interest expense	5.1	6.4	5.8	0.3	0.2	0.3
Net interest income	23.3	20.6	18.5	18.9	17.4	16.9
Loan loss provision	0.6	0.1	0	−0.1	0.1	0.2
Net interest income after loan loss provision	22.7	20.5	18.5	19.0	17.3	16.7
Non-interest income	1.9	1.9	1.8	2.1	3.9	3.4
Non-interest expense	−14.4	−13.6	−13.3	−12.4	−12.3	−11.7
Net income before taxes	10.1	8.7	6.9	8.6	8.8	8.4
Provision for taxes	2.2	2.0	1.4	2.0	2.1	2.0
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	7.9	6.7	5.5	6.7	6.7	6.5
Extraordinary items	–	–	–	–	–	–
Net income	7.9	6.7	5.5	6.7	6.7	6.5
Basic weighted average shares (mil)	5.4	5.5	5.5	5.6	5.5	5.5
Diluted weighted average shares (mil)	5.6	5.5	5.6	5.6	5.7	5.7
Basic EPS excluding extraordinary items	1.46	1.23	1.00	1.20	1.22	1.17
Basic EPS, normalized	1.46	1.23	1.00	1.20	1.22	1.17

Balance sheet in millions of USD, fiscal years

Balance sheet, Bank of South Carolina, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	–	–	–	14.8	11.1	6.0
Other earning assets	–	–	–	285	344	190
Net loans	361	363	345	327	302	317
Property, plant & equipment	–	–	–	17.4	17.8	16.8
Goodwill	–	–	–	–	–	–
Intangibles	–	–	–	–	–	–
Long-term investments	–	–	–	–	–	–
Other long-term assets	–	–	–	6.2	−0.7	0.2
Other assets	–	–	–	3.2	4.6	2.8
Total assets	575	570	625	653	679	532
Liabilities
Accounts payable	–	–	–	2.4	2.1	2.6
Payable/accrued	–	–	–	–	–	–
Accrued expenses	–	–	–	13.4	14.0	12.7
Total deposits	499	501	518	599	609	462
Other bearing liabilities	–	–	–	–	–	–
Short-term borrowings	–	–	–	–	–	–
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	–	–	–	0	0	0
Minority interest	–	–	–	–	–	–
Other liabilities	–	–	–	0	0	0
Total liabilities	–	–	–	615	625	478
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	–	–	–	–	–	–
Additional paid-in capital	–	–	–	48.0	47.7	47.4
Retained earnings (accumulated deficit)	–	–	–	14.0	11.1	8.7
Treasury stock	–	–	–	−2.8	−2.8	−2.8
Other equity	60.2	52.8	42.5	−20.4	−2.1	1.7
Total equity	60.2	52.8	42.5	38.8	53.9	55.0
Total liabilities & shareholders' equity	–	–	–	653	679	532

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Bank of South Carolina, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	–	–	–	6.7	6.7	6.5
Depreciation, depletion & amortization	–	–	–	0.4	0.4	0.4
Deferred taxes	–	–	–	−0.2	0	−0.4
Non-cash items	–	–	–	1.0	0.7	0.5
Changes in working capital	–	–	–	1.6	9.7	−6.6
Cash from operations	–	–	–	9.5	17.5	0.3
Investing activities
Capital expenditures	–	–	–	−0.6	−0.1	−0.2
Other investing cash flows	–	–	–	−107	−68.4	−80.0
Cash from investing	–	–	–	−108	−68.6	−80.2
Financing activities
Financing cash flow items	–	–	–	−10.5	147	83.0
Cash dividends paid	–	–	–	−3.8	−4.3	−3.6
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	–	–	–	0.2	0.2	−0.3
Cash from financing	–	–	–	−14.1	143	79.1
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	–	–	–	−112	91.8	−0.8
Free cash flow	–	–	–	8.9	17.3	0.1

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 2, 2026 after market close.