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KS Bancorp
(OTC:KSBI)
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Rating:78Outperform
Price Target:
$92.00
▲(55.25% Upside)
Action:Reiterated
Date:08/06/26
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.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
KS Bancorp (KSBI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$89.18M
Dividend Yield1.52%
Average Volume (3M)72.00
Price to Earnings (P/E)8.4
Beta (1Y)-0.22
Revenue Growth20.58%
EPS Growth41.09%
CountryUS
Employees90
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)9.46
Shares Outstanding1,107,776
10 Day Avg. Volume157
30 Day Avg. Volume72
Financial Highlights & Ratios
PEG Ratio0.14
Price to Book (P/B)1.18
Price to Sales (P/S)1.39
P/FCF Ratio7.25
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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, sa...
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...
KS Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
66
Positive
| 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 | 0.00 | 9.05M | 4.96M | 4.69M | 7.14M | 6.46M |
| Operating Cash Flow | 0.00 | 11.35M | 8.27M | 7.17M | 8.37M | 7.36M |
| Investing Cash Flow | 0.00 | -110.45M | -82.81M | -53.34M | -93.40M | -1.11M |
| Financing Cash Flow | 0.00 | 119.08M | 71.12M | 57.39M | -21.64M | 80.29M |
KS Bancorp Technical Analysis
Positive
59.26
Price Trends
78.49
Positive
78.39
Positive
72.01
Positive
Market Momentum
0.26
Negative
56.67
Neutral
79.73
Neutral
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 59.26 is below the 20-day moving average (MA) of 79.74, below the 50-day MA of 78.49, and below the 200-day MA of 72.01, indicating a bullish trend. The MACD of 0.26 indicates Negative momentum. The RSI at 56.67 is Neutral, neither overbought nor oversold. The STOCH value of 79.73 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $89.18M | 8.40 | 18.52% | 1.52% | 20.58% | 41.09% | |
68 Neutral | $90.72M | 12.20 | 7.41% | 1.70% | 3.83% | 33.60% | |
68 Neutral | $71.84M | 31.83 | 2.47% | ― | 0.82% | -2.26% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
51 Neutral | $112.41M | -4.44 | -7.74% | 3.21% | 10.60% | -935.88% |
* Financial Sector Average
KSBI
KS Bancorp
80.75
27.21
50.83%
BYFC
Broadway Financial
12.03
4.52
60.12%
FUSB
First US Bancshares
16.47
5.09
44.68%
FSEA
First Seacoast Bancorp
17.19
5.68
49.33%
CLST
Catalyst Bancorp
18.15
5.15
39.58%
NSTS
NSTS Bancorp
14.14
2.32
19.63%
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.