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KS Bancorp (KSBI) AI Stock Analysis
KS Bancorp
(Other OTC:KSBI)
The score is driven primarily by solid financial performance (strong revenue growth, improved leverage, and healthy ROE) and an attractive valuation (low P/E with a dividend). Technicals add support with the price above key moving averages and positive MACD, while margin compression and cash-flow volatility modestly temper the overall rating.
KS Bancorp (KSBI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $90.34M
- Dividend Yield
- 1.59%
- Average Volume (3M)
- 284
- Price to Earnings (P/E)
- 8.3
- Beta (1Y)
- -0.25
- Revenue Growth
- 20.77%
- EPS Growth
- 28.52%
- Country
- US
- Employees
- 90
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
KS Bancorp Business Overview & Revenue Model
Company Description
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, savin...
How the Company Makes Money
KS Bancorp makes money primarily through its banking subsidiary by generating (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest and fees collected on loans and other interest-earning as...
KS Bancorp Financial Statement Overview
Summary
Financial statements are broadly constructive: strong multi-year revenue growth with solid 2025 profitability, and a notably improved balance sheet as debt-to-equity fell to ~0.20 with healthy ROE (~16.8%). Offsets include margin compression versus 2021–2022 and free-cash-flow volatility/limited cash-conversion visibility, which reduce confidence in consistency.
Income Statement
74PositiveBalance Sheet
82Very PositiveCash Flow
66Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 52.17M | 47.31M | 39.64M | 32.62M | 25.33M | 22.68M |
| Gross Profit | 34.14M | 32.11M | 25.69M | 23.47M | 23.68M | 20.54M |
| EBITDA | 13.41M | 12.97M | 8.99M | 8.61M | 10.38M | 8.39M |
| Net Income | 10.48M | 9.36M | 6.16M | 6.21M | 7.56M | 6.09M |
Balance Sheet | ||||||
| Total Assets | 875.47M | 822.60M | 690.85M | 613.60M | 546.35M | 571.23M |
| Cash, Cash Equivalents and Short-Term Investments | 38.65M | 36.25M | 16.05M | 19.44M | 12.82M | 119.49M |
| Total Debt | 24.25M | 11.25M | 11.25M | 23.25M | 26.25M | 43.47M |
| Total Liabilities | 814.79M | 766.76M | 645.55M | 573.12M | 514.11M | 534.58M |
| Stockholders Equity | 60.69M | 55.84M | 45.30M | 40.48M | 32.24M | 36.64M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 9.05M | 4.96M | 4.69M | 7.14M | 6.46M |
| Operating Cash Flow | 0 | 11.35M | 8.27M | 7.17M | 8.37M | 7.36M |
| Investing Cash Flow | 0 | -110.45M | -82.81M | -53.34M | -93.40M | -1.11M |
| Financing Cash Flow | 0 | 119.08M | 71.12M | 57.39M | -21.64M | 80.29M |
KS Bancorp Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KSBI, the sentiment is Positive. The current price of 79.89 is above the 20-day moving average (MA) of 79.85, below the 50-day MA of 80.04, and above the 200-day MA of 76.25, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 49.98 is Neutral, neither overbought nor oversold. The STOCH value of 61.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KSBI.
KS Bancorp Peers Comparison
Overall Rating
- KSBI78Outperform
FUSB73Outperform
CLST68Neutral
BYFC51Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| KSBI | 78Outperform | $88.51M | 8.32 | 18.55% | 1.59% | 20.77% | 28.52% |
| FUSB | 73Outperform | $90.83M | 11.96 | 7.58% | 1.70% | 3.80% | 43.33% |
| CLST | 68Neutral | $69.99M | 24.10 | 3.06% | ― | 31.73% | 17.80% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BYFC | 51Neutral | $106.33M | -4.23 | -7.74% | ― | 10.60% | -935.88% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| KSBI | KS Bancorp | 79.89 | 24.61 | 44.51% | |
| BYFC | Broadway Financial | 11.46 | 5.06 | 79.06% | |
| FUSB | First Us Bancshares | 16.50 | 3.49 | 26.82% | |
| CLST | Catalyst Bancorp, Inc. | 17.35 | 3.10 | 21.75% |
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: Aug 06, 2026