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KS Bancorp (KSBI) Stock Price & Analysis
KSBI Stock Chart & Stats
- Day’s Range
- $78.01 - $81.75
- 52-Week Range
- $55.00 - $86.67
- Previous Close
- $79.90
- Volume
- N/A
- Average Volume (3M)
- 7
- Market Cap
- $88.51M
- Enterprise Value
- $37.76M
- Total Cash (Recent Filing)
- $38.65M
- Total Debt (Recent Filing)
- $24.25M
- Price to Earnings (P/E)
- 8.3
- Beta
- -0.25
- Next Earnings
- Jan 22, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Nov 02, 2026
- Dividend Yield
- 1.59%
Bulls Say, Bears Say
Bulls Say
Improved Balance Sheet Leverage
A materially lower debt-to-equity (~0.20) and larger equity base reduce financial risk and improve regulatory capital flexibility. This durable improvement gives the bank capacity to expand lending, withstand credit stress, and finance growth internally without overreliance on external funding.
Sustained Multi-Year Revenue Growth
Consistent revenue growth more than doubled scale over the period, indicating successful market penetration and product traction in core markets. Increased top-line supports fixed-cost absorption, funds investment in operations, and underpins longer-term profitability and competitive positioning.
Healthy Profitability / ROE
Sustained ROE around mid-teens and strong net margins demonstrate durable earnings power relative to capital. That profitability enables internal capital generation, potential shareholder returns, and continued reinvestment in customer products and risk management, supporting long-term franchise strength.
Bears Say
Margin Compression
A persistent decline from prior peak margins signals pressure on net interest margin or fee mix that can erode buffers against credit losses and higher operating costs. If structural, compressed margins reduce long-term capital accumulation and constrain the bank's ability to invest or absorb shocks.
Free Cash Flow Volatility / Limited Visibility
Historic FCF volatility and missing cash-conversion visibility complicate forecasting and capital planning. Inconsistent cash generation weakens confidence in the firm’s ability to sustainably fund dividends, loan growth, or unexpected losses without tapping external capital, a durable operational risk.
Limited Scale And Market Liquidity
Small headcount and thin trading liquidity reflect limited scale, constraining diversification, technology investment, and market access. Enduring small size can raise per-unit costs, concentrate asset and deposit risks regionally, and make strategic M&A or capital raises more difficult.
KS Bancorp News
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Company Description
KS Bancorp
KS Bancorp, Inc. functions as the parent entity for KS Bank, Inc., providing an extensive array of localized banking solutions to both individual and business clientele. For personal banking, it offers various deposit accounts such as checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. Its lending portfolio includes personal loans for vehicles, marine craft, recreational activities, student financing, debt consolidation, deposit/investment-secured loans, and home equity options like loans and lines of credit. Credit card services are also available. Commercial clients can access business checking, savings, and payroll card accounts. The bank supports businesses with construction financing, including speculative and pre-sale builder loans, as well as general commercial builder loans. Additional commercial lending options cover equipment financing, facility acquisition, debt refinancing, and real estate. Businesses can also utilize lines of credit for managing seasonal cash flow, inventory, and accounts receivable. Beyond core banking, KS Bancorp delivers a suite of specialized services, such as merchant processing, payroll administration, comprehensive cash management, and remote deposit capture. Its mortgage offerings facilitate home purchases, refinancing, and combined construction-to-permanent loans. Furthermore, the company provides robust wealth management services, encompassing investment guidance, financial and retirement planning, trust and estate administration, and exclusive private banking. The company conducts its operations through nine full-service branch offices strategically located across North Carolina in Kenly, Goldsboro, Wilson, Garner, Selma, Clayton, Wendell, Four Oaks, and Smithfield. Established in 1924, KS Bancorp, Inc. maintains its corporate headquarters in Smithfield, North Carolina.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Earl W. Worley Jr.
- Employees
- 90
- Website
- www.ksbankinc.com
- Address
- 1031 North Brightleaf Boulevard, Smithfield, NC, 27577, US
KS Bancorp (KSBI) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 5 | 2 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 12 | 0 | 0 |

