KS Bancorp (KSBI) AI Stock Analysis

KS Bancorp

(Other OTC:KSBI)

Select Model

Rating:82Outperform

Price Target:$93.00▲(16.40% Upside)

Action:reiterated

Date:08/06/26

Robust financial growth and reduced leverage drive the positive score, supported by bullish technical indicators and attractive valuation; minor risks from margin fluctuations are secondary.

Positive Factors

Improved Balance Sheet LeverageA 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 CompressionA 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.

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

Strong revenue growth and solid profitability, with improved equity and reduced leverage, though minor margin pressures and cash flow volatility noted.

Income Statement

85Very Positive

Balance Sheet

75Positive

Cash Flow

80Positive

Financial statement breakdown
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

Technical Analysis SentimentPositive

Last Price79.89

Price Trends

50DMA80.04Negative

100DMA78.92Positive

200DMA76.25Positive

Market Momentum

MACD-0.12Negative

RSI49.98Neutral

STOCH61.13Neutral

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

UnderperformOutperform

Sector (68)

Financial Indicators

KSBI against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KSBI	82Outperform	$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

KSBI and its peers over the selected period
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%

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: Aug 06, 2026

KS Bancorp AI Stock Analysis