📊 BKSC Key Takeaways
Investment Thesis
Bank of South Carolina demonstrates solid profitability with a 24.6% net margin and positive free cash flow of $2.0M, but faces significant challenges including minimal ROA of 0.4%, weak ROE of 6.7%, and concerningly low interest coverage of 1.5x. The company shows modest revenue growth of 1.6% YoY, which combined with thin asset returns, suggests limited operational efficiency despite healthy margin profiles.
BKSC Strengths
- Strong net profit margin of 24.6% demonstrates effective cost control
- Positive free cash flow generation of $2.0M with 17.5% FCF margin indicates operational liquidity
- Zero debt/equity ratio provides financial stability and eliminates leverage risk
- Substantial asset base of $648.4M provides operational foundation
BKSC Risks
- Critically low ROA of 0.4% indicates poor asset utilization and operational inefficiency for a bank
- Weak interest coverage ratio of 1.5x suggests minimal buffer for handling interest obligations
- Modest revenue growth of 1.6% YoY indicates stagnation in a competitive banking environment
- Deteriorating EPS of -0.8% YoY despite positive net income signals shareholder value erosion
- Low ROE of 6.7% substantially underperforms typical bank industry benchmarks of 8-12%
Key Metrics to Watch
- Asset quality metrics and non-performing loan ratios to assess credit risk
- Net interest margin trends as primary revenue driver for banks
- Deposit growth and funding cost changes to evaluate competitive positioning
- Return on assets trajectory to determine if operational efficiency is improving
BKSC Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BKSC Profitability Ratios
BKSC vs Finance Sector
How BANK OF SOUTH CAROLINA CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BKSC Balance Sheet & Liquidity
BKSC 5-Year Financial Trend
5-Year Trend Summary: BANK OF SOUTH CAROLINA CORP's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $1.14 reflects profitable operations.
BKSC Growth Metrics (YoY)
BKSC Capital Allocation
BKSC SEC Filings
Access official SEC EDGAR filings for BANK OF SOUTH CAROLINA CORP (CIK: 0001007273)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BKSC
What is the AI rating for BKSC?
BANK OF SOUTH CAROLINA CORP (BKSC) has an AI rating of HOLD with 55% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BKSC's key strengths?
Strong net profit margin of 24.6% demonstrates effective cost control. Positive free cash flow generation of $2.0M with 17.5% FCF margin indicates operational liquidity.
What are the risks of investing in BKSC?
Critically low ROA of 0.4% indicates poor asset utilization and operational inefficiency for a bank. Weak interest coverage ratio of 1.5x suggests minimal buffer for handling interest obligations.
What is BKSC's revenue and growth?
BANK OF SOUTH CAROLINA CORP reported revenue of $11.7M.
Does BKSC pay dividends?
BANK OF SOUTH CAROLINA CORP pays dividends, with $1.9M distributed to shareholders in the trailing twelve months.
Where can I find BKSC SEC filings?
Official SEC filings for BANK OF SOUTH CAROLINA CORP (CIK: 0001007273) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BKSC's EPS?
BANK OF SOUTH CAROLINA CORP has a diluted EPS of $0.51.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.