Bank Of South Carolina (BKSC) AI Stock Analysis

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Bank Of South Carolina

(Other OTC:BKSC)

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Rating:77Outperform

Price Target:$23.00▲(10.05% Upside)

Action:reiterated

Date:11/07/26

The company's conservative balance sheet and strong cash flow generation are the primary strengths, supporting a high dividend yield. The stock's positive technical trend and discounted P/E ratio further enhance its profile. The main risk is the historical volatility in revenue, though the latest year's rebound is encouraging.

Positive Factors

Strong, resilient profitabilitySustained net and operating profitability indicates that the bank’s core lending and service model remains economically productive across varying conditions. Healthy margins provide internal capital to support dividends, absorb credit pressures, and fund ongoing operations over the next several quarters.

Negative Factors

Uneven revenue growthThe sharp variation in annual revenue growth makes the forward earnings path less predictable than the strong margins alone suggest. Although the 2025 rebound is encouraging, repeated contraction and recovery phases can complicate planning, reduce visibility, and make sustained expansion harder to establish.

Bank Of South Carolina (BKSC) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $111.58M
Dividend Yield: 6.79%
Average Volume (3M): 1,569
Price to Earnings (P/E): 12.9
Beta (1Y): 0.17
Revenue Growth: 1.80%
EPS Growth: 14.72%
Country: US
Employees: 85
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Bank Of South Carolina Business Overview & Revenue Model

Company Description

Bank of South Carolina Corporation operates as a bank holding company for The Bank of South Carolina that provides financial products and services primarily in Charleston, Dorchester, and Berkeley counties of South Carolina. Its deposit products incl...

Bank Of South Carolina Financial Statement Overview

Summary

Solid financial foundation with an 8% annualized revenue growth to $30.3M and a healthy 26% profit margin. The balance sheet is conservatively leveraged with debt at only 19% of equity and a strong 13.2% ROE. Operating cash flow of $15.8M comfortably exceeds net income, providing ample liquidity. Some periodic revenue volatility is a minor concern.

Income Statement

78Positive

Balance Sheet

85Very Positive

Cash Flow

72Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	27.31M	30.27M	22.35M	26.08M	21.26M	21.42M
Gross Profit	24.53M	24.53M	22.35M	20.24M	21.04M	21.13M
EBITDA	10.09M	10.09M	9.16M	7.29M	8.99M	9.23M
Net Income	7.91M	7.91M	6.75M	5.49M	6.66M	6.75M
Balance Sheet
Total Assets	575.08M	575.08M	557.16M	633.82M	653.35M	679.22M
Cash, Cash Equivalents and Short-Term Investments	51.34M	51.34M	11.01M	186.47M	298.94M	352.46M
Total Debt	11.45M	11.45M	12.14M	58.80M	13.43M	14.04M
Total Liabilities	514.94M	514.94M	504.86M	586.73M	614.53M	625.30M
Stockholders Equity	60.14M	60.14M	52.30M	47.08M	38.81M	53.92M
Cash Flow
Free Cash Flow	15.39M	15.39M	5.20M	4.45M	8.91M	17.32M
Operating Cash Flow	15.81M	15.81M	5.35M	4.92M	9.47M	17.46M
Investing Cash Flow	20.69M	20.69M	69.81M	20.94M	-107.68M	-68.57M
Financing Cash Flow	3.83M	3.83M	-86.07M	-31.71M	-14.13M	142.89M

Bank Of South Carolina Technical Analysis

Technical Analysis SentimentPositive

Last Price20.90

Price Trends

50DMA19.14Positive

100DMA18.49Positive

200DMA16.85Positive

Market Momentum

MACD0.55Negative

RSI64.55Neutral

STOCH82.14Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BKSC, the sentiment is Positive. The current price of 20.90 is above the 20-day moving average (MA) of 19.84, above the 50-day MA of 19.14, and above the 200-day MA of 16.85, indicating a bullish trend. The MACD of 0.55 indicates Negative momentum. The RSI at 64.55 is Neutral, neither overbought nor oversold. The STOCH value of 82.14 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BKSC.

Bank Of South Carolina Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

BKSC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BKSC	77Outperform	$111.58M	12.90	14.49%	6.79%	1.80%	14.72%
AUBN	73Outperform	$88.41M	10.20	9.42%	4.25%	4.68%	21.56%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBHC	58Neutral	$107.04M	-42.33	0.08%	2.38%	-6.61%	-78.36%
SSBI	54Neutral	$79.60M	195.92	0.33%	―	-7.24%	―

* Financial Sector Average

Performance Comparison

BKSC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
BKSC	Bank Of South Carolina	20.90	5.04	31.81%
AUBN	Auburn National Bancorporation	25.41	1.26	5.23%
PBHC	Pathfinder	17.05	2.64	18.29%
SSBI	Summit State Bank	11.76	1.01	9.35%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Nov 07, 2026

Bank Of South Carolina AI Stock Analysis