Bank of South Carolina Corporation (BKSC)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Bank of South Carolina Corporation (BKSC) trades at $16.78 with AI Score 60/100 (Grade B+). Bank of South Carolina Corporation operates as a bank holding company, providing financial products and services in South Carolina. Market cap: $90.27M, Sector: Financial services.
Price live · AI analysis from Jun 1, 2026Analyst Coverage for BKSC: BKSC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates BKSC against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
BKSC: 3/4 perspectives are bullish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Bank of South Carolina Corporation (BKSC) Financial Services Profile
Bank of South Carolina Corporation, with a market capitalization of $90.27M, operates as a regional bank serving South Carolina's Charleston, Berkeley, and Dorchester counties. Founded in 1986, the company offers a range of financial products, including commercial and consumer loans, and operates five banking locations, demonstrating a commitment to local communities.
What Is the Investment Thesis for BKSC?
Bank of South Carolina Corporation presents a compelling investment case rooted in its established regional presence and consistent profitability. With a P/E ratio of 10.7 and a robust gross margin of 91.0%, the company demonstrates financial stability. The dividend yield of 8.56% offers an attractive income stream for investors. Growth catalysts include expansion of its loan portfolio and strategic initiatives to enhance customer engagement. However, potential risks include competition from larger regional and national banks and the impact of economic fluctuations on loan demand and credit quality. The company's beta of 0.31 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
BKSC Key Highlights
- Market capitalization of $90.27M indicates a smaller, community-focused bank.
- P/E ratio of 10.7 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 29.7% demonstrates strong profitability and efficient operations.
- Gross margin of 91.0% highlights the bank's ability to manage costs effectively.
- Dividend yield of 8.56% provides a substantial income stream for investors, reflecting a commitment to shareholder returns.
Who Are BKSC's Competitors?
BKSC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
| PNBI Pioneer Bankshares, Inc. | $44.50 | +0.00% | $44.61M | 63 |
| FBVI FCN Banc Corp. | $35.87 | +0.17% | $61.78M | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BKSC's Key Strengths?
- Strong local presence in Charleston, Berkeley, and Dorchester counties.
- High gross margin of 91.0%.
- Attractive dividend yield of 8.56%.
- Experienced management team.
What Are BKSC's Weaknesses?
- Limited geographic reach compared to larger regional and national banks.
- Reliance on traditional banking services.
- Smaller market capitalization may limit access to capital.
- Dependence on the local economy.
What Could Drive BKSC Stock Higher?
- Potential expansion of commercial lending activities in Charleston, Berkeley, and Dorchester counties.
- Continued focus on enhancing digital banking services to attract and retain customers.
- Strategic partnerships with local businesses to create new avenues for growth.
- Efforts to increase mortgage originations by targeting first-time homebuyers and existing homeowners.
- Development of wealth management services to cater to the growing affluent population.
What Are the Key Risks for BKSC?
- Financial-distress signal — its Altman Z-Score of -0.37 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Economic downturns impacting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
- Technological disruptions from fintech companies.
- Risks associated with trading on the OTC Other tier, including limited liquidity and regulatory oversight.
What Are the Growth Opportunities for BKSC?
- Expansion of Commercial Lending: Bank of South Carolina Corporation can capitalize on growth opportunities by expanding its commercial lending activities within its existing market. With Charleston, Berkeley, and Dorchester counties experiencing economic growth, there is increasing demand for commercial loans from small and medium-sized businesses. By offering competitive rates and personalized service, the bank can attract new commercial clients and grow its loan portfolio. The commercial lending market in South Carolina is estimated to be worth billions of dollars, providing ample opportunity for growth.
- Enhancement of Digital Banking Services: Investing in and enhancing its digital banking services can attract and retain customers. As more consumers and businesses embrace online and mobile banking, Bank of South Carolina Corporation can improve its digital platform to offer a seamless and user-friendly experience. This includes features such as mobile check deposit, online bill pay, and real-time account monitoring. By providing convenient and accessible digital banking services, the bank can enhance customer satisfaction and expand its reach beyond its physical branch locations. The digital banking market is projected to grow significantly in the coming years, driven by increasing internet and smartphone penetration.
- Strategic Partnerships with Local Businesses: Forming strategic partnerships with local businesses can create new avenues for growth and customer acquisition. By collaborating with businesses in the Charleston, Berkeley, and Dorchester counties, Bank of South Carolina Corporation can offer tailored financial solutions to their employees and customers. This could include offering preferred rates on loans and deposit accounts, sponsoring community events, and participating in joint marketing initiatives. These partnerships can help the bank build brand awareness, attract new customers, and strengthen its ties to the local community. The market for business partnerships is substantial, with numerous opportunities to collaborate with businesses across various industries.
- Increase Mortgage Originations: Bank of South Carolina Corporation can increase its mortgage originations by targeting first-time homebuyers and existing homeowners in its service area. With interest rates remaining relatively low, there is continued demand for mortgage financing. By offering competitive rates, flexible terms, and personalized service, the bank can attract new mortgage customers and grow its mortgage portfolio. The bank can also partner with local real estate agents and developers to generate leads and increase its market share. The mortgage market in South Carolina is substantial, with billions of dollars in originations each year.
- Focus on Wealth Management Services: Bank of South Carolina Corporation can expand its wealth management services to cater to the growing affluent population in its market area. By offering financial planning, investment management, and retirement planning services, the bank can attract high-net-worth individuals and families. The bank can hire experienced wealth management professionals and develop a comprehensive suite of wealth management products and services. The wealth management market is growing rapidly, driven by increasing wealth accumulation and demand for financial advice.
What Opportunities Does BKSC Have?
- Expansion of commercial lending activities.
- Enhancement of digital banking services.
- Strategic partnerships with local businesses.
- Increase mortgage originations.
- Focus on wealth management services.
What Threats Does BKSC Face?
- Competition from larger regional and national banks.
- Economic downturns impacting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
- Technological disruptions from fintech companies.
What Are BKSC's Competitive Advantages?
- Established local presence and brand recognition in Charleston, Berkeley, and Dorchester counties.
- Strong relationships with customers and local businesses.
- Community-focused approach and personalized service.
- Experienced management team with deep knowledge of the local market.
What Does BKSC Do?
Founded in 1986, Bank of South Carolina Corporation operates as the bank holding company for The Bank of South Carolina, a community-focused financial institution serving the Charleston, Berkeley, and Dorchester counties of South Carolina. The bank provides a comprehensive suite of financial products and services tailored to meet the needs of individuals and businesses within its local market. These offerings encompass a variety of deposit accounts, including non-interest-bearing demand accounts, NOW accounts, money market accounts, time deposits, savings accounts, and certificates of deposit. In addition to its deposit services, Bank of South Carolina Corporation extends credit through secured and unsecured commercial loans, commercial real estate construction loans, consumer construction loans, home equity lines of credit, and mortgage originations. The bank also participated in the Paycheck Protection Program (PPP), providing crucial support to local businesses during the COVID-19 pandemic. With five banking house locations strategically positioned throughout its service area, Bank of South Carolina Corporation maintains a strong physical presence and accessibility for its customers. The bank's commitment to personalized service and community involvement has solidified its position as a trusted financial partner in the region.
What Products and Services Does BKSC Offer?
- Provides a range of financial products and services.
- Offers various deposit accounts, including checking, savings, and money market accounts.
- Provides secured and unsecured commercial loans.
- Offers commercial real estate construction loans.
- Provides consumer construction loans.
- Offers home equity lines of credit.
- Originates mortgages.
- Participated in the Paycheck Protection Program (PPP).
How Does BKSC Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services.
- Attracts deposits from individuals and businesses.
- Manages risk through prudent lending practices.
What Industry Does BKSC Operate In?
Bank of South Carolina Corporation operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is influenced by factors such as interest rate movements, regulatory changes, and technological advancements. Regional banks like Bank of South Carolina Corporation face competition from larger national banks, credit unions, and fintech companies. The trend toward digital banking and mobile payments is reshaping the industry landscape, requiring banks to invest in technology to remain competitive. Despite these challenges, community banks play a vital role in supporting local economies and fostering relationships with customers.
Who Are BKSC's Key Customers?
- Individuals residing in Charleston, Berkeley, and Dorchester counties of South Carolina.
- Small and medium-sized businesses operating in the region.
- Real estate developers and investors.
- Homeowners seeking mortgage financing.
Bank of South Carolina Corporation Financial Trajectory
Bank of South Carolina Corporation (BKSC) reported $7.3M in revenue for Q1 2026, a decline of 4.0% compared to the prior quarter. The company recorded net income of $2.0M, with diluted EPS of $0.36. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, BKSC averaged $0.36 in diluted EPS.
Company Profile
Bank of South Carolina Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Charleston, US. The company is led by CEO Eugene H. Walpole. BKSC has traded publicly since 1986.
How Bank of South Carolina Corporation Is Valued
Bank of South Carolina Corporation carries a market capitalization of $90.27M, placing it in the micro-cap category. Relative to its peer group, BKSC's quantitative score of 60/100 is roughly in line with the peer average of 68/100.
ROE 14%Key Financial Metrics
Return on equity for Bank of South Carolina Corporation stands at 13.8%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.4%, showing how much profit it generates from its asset base. BKSC trades at a trailing price-to-earnings ratio of 10.70, below the Financial Services sector average of ~18x. Its free cash flow yield is 18.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.38 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.4%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Bank of South Carolina Corporation's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.37 places it in the distress zone, a signal of elevated financial risk.
BKSC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- El reciente aumento en la actividad de compra por parte de los insiders sugiere confianza en el futuro de la empresa.
- La comunidad ha mostrado un sentimiento positivo, destacando la estabilidad y crecimiento del banco en un entorno económico incierto.
- Las mejoras en la gestión y la atención al cliente han sido bien recibidas, lo que refuerza la lealtad de los clientes.
- Las expectativas de expansión en el mercado local han generado un optimismo notable entre los inversores.
Bear Case
- Algunos analistas han expresado preocupaciones sobre la competencia creciente en el sector bancario regional.
- El sentimiento de la comunidad ha mostrado señales de incertidumbre debido a posibles cambios regulatorios que podrían afectar la rentabilidad.
- Los comentarios negativos sobre la gestión de riesgos han suscitado dudas sobre la capacidad del banco para manejar crisis futuras.
- La falta de innovación en productos financieros ha llevado a algunos inversores a cuestionar la competitividad a largo plazo de la institución.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $7M | $2M | $0.36 |
| Q4 2025 | $8M | $2M | $0.36 |
| Q3 2025 | $6M | $2M | $0.38 |
| Q2 2025 | $6M | $2M | $0.35 |
Based on FMP financials and quantitative analysis
BKSC Latest News
No recent news available for BKSC.
BKSC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BKSC.
Price Targets
Wall Street price target analysis for BKSC.
BKSC MoonshotScore
What does this score mean?
The MoonshotScore rates BKSC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Eugene H. Walpole
Unknown
Eugene H. Walpole serves as a key leader at Bank of South Carolina Corporation, guiding a team of 78 employees. Information regarding his detailed career history, education, and previous roles is not available. However, his leadership is crucial in navigating the competitive landscape of regional banking and ensuring the company's continued success in serving the Charleston, Berkeley, and Dorchester counties of South Carolina.
Track Record: Due to limited information on Eugene H. Walpole's specific achievements and strategic decisions at Bank of South Carolina Corporation, a comprehensive assessment of his track record is not possible. His leadership is reflected in the company's operational performance and its ability to maintain a strong presence in its local market.
BKSC OTC Market Information
The OTC Other tier represents the lowest tier of over-the-counter (OTC) markets, indicating that Bank of South Carolina Corporation may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Unlike stocks listed on major exchanges such as the NYSE or NASDAQ, companies on the OTC Other tier often have limited regulatory oversight and may not be required to file regular financial reports with the SEC. This can result in less transparency and greater information asymmetry for investors. Investing in companies on the OTC Other tier carries higher risks due to the potential for fraud, manipulation, and lack of liquidity.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited regulatory oversight and disclosure requirements.
- Low trading volume and liquidity.
- Potential for fraud and manipulation.
- Higher price volatility.
- Information asymmetry and lack of transparency.
- Verify the company's registration and regulatory filings.
- Assess the company's financial condition and operating performance.
- Evaluate the company's management team and corporate governance practices.
- Review any available news reports and public information about the company.
- Understand the risks associated with investing in OTC stocks.
- Consult with a financial advisor before investing.
- Determine if the company is SEC-reporting.
- Established operating history since 1986.
- Physical presence with five banking house locations.
- Provision of financial services in South Carolina.
- Participation in the Paycheck Protection Program (PPP).
- Positive gross and profit margins.
What Investors Ask About Bank of South Carolina Corporation (BKSC) — Financial Services
What does Bank of South Carolina Corporation do?
Bank of South Carolina Corporation operates as a bank holding company for The Bank of South Carolina, providing a range of financial products and services primarily in Charleston, Berkeley, and Dorchester counties of South Carolina. These services include deposit accounts like checking, savings, and money market accounts, as well as lending services such as commercial loans, real estate construction loans, and mortgage originations. The bank focuses on serving individuals and businesses within its local market, emphasizing community-focused banking practices.
What do analysts say about BKSC stock?
There is currently no available analyst coverage for Bank of South Carolina Corporation (BKSC). As a smaller, OTC-traded company, it may not attract the attention of major brokerage firms or research institutions. Investors should conduct their own due diligence and consider factors such as the company's financial performance, growth prospects, and risk factors before making any investment decisions. Key valuation metrics include a P/E ratio of 10.7 and a dividend yield of 8.56%.
What are the main risks for BKSC?
Bank of South Carolina Corporation faces several risks, including competition from larger regional and national banks, economic downturns impacting loan demand and credit quality, regulatory changes increasing compliance costs, and technological disruptions from fintech companies. Additionally, as an OTC-traded company, BKSC is subject to risks associated with limited liquidity, regulatory oversight, and disclosure requirements. These factors could negatively impact the company's financial performance and stock price.
What are the key factors to evaluate for BKSC?
Bank of South Carolina Corporation (BKSC) holds an AI score of 60/100 (moderate). P/E: 10.7x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does BKSC data refresh on this page?
BKSC prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BKSC's recent stock price performance?
Bank of South Carolina Corporation (BKSC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in Charleston, Berkeley, and Dorchester counties. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BKSC overvalued or undervalued right now?
Bank of South Carolina Corporation (BKSC) trades at 10.7x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BKSC?
Before investing in Bank of South Carolina Corporation (BKSC), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.