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12.82 (1y: +14%)
Market Cap 55.88 M P/E(ttm) 15.20
Enterprise Value 55.88 M P/B 1.68
BKSC- NAS (USA)
Bank of South Carolina Corporation
  • Currently 1/5
Business Predictability Rank: 1-Star
Back Testing Results:
Average gain of all 1-Star stocks: 1.1% per year.
% of Stocks that are in still loss if held for 10yrs: 45%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$12.82
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GuruFocus Financial Strength Rank measures how strong a companyย’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry		 vs
history
Cash to Debt No Debt
BKSC's Cash to Debt is ranked higher than
97% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. BKSC: No Debt )
BKSC' s 10-Year Cash to Debt Range
Min: 0.61   Max: No Debt
Current: No Debt
Equity to Asset 0.104
BKSC's Equity to Asset is ranked higher than
61% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. BKSC: 0.104 )
BKSC' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.12
Current: 0.1
0.1
0.12
Interest Coverage No Debt
BKSC's Interest Coverage is ranked higher than
87% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. BKSC: No Debt )
BKSC' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 3
Z-Score: 0.36
GuruFocus Profitability Rank ranks how profitable a company is and how likely the companyย’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
ย•ย•3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rankย•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry		 vs
history
Operating margin (%) 36.70
BKSC's Operating margin (%) is ranked higher than
74% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.60 vs. BKSC: 36.70 )
BKSC' s 10-Year Operating margin (%) Range
Min: 21   Max: 46.3
Current: 36.7
21
46.3
Net-margin (%) 25.5
BKSC's Net-margin (%) is ranked higher than
73% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. BKSC: 25.5 )
BKSC' s 10-Year Net-margin (%) Range
Min: 14.8   Max: 30.4
Current: 25.5
14.8
30.4
ROE (%) 10.8
BKSC's ROE (%) is ranked higher than
79% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. BKSC: 10.8 )
BKSC' s 10-Year ROE (%) Range
Min: 6.8   Max: 16.6
Current: 10.8
6.8
16.6
ROA (%) 1.1
BKSC's ROA (%) is ranked higher than
78% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. BKSC: 1.1 )
BKSC' s 10-Year ROA (%) Range
Min: 0.7   Max: 1.7
Current: 1.1
0.7
1.7
Revenue Growth (%) 3
BKSC's Revenue Growth (%) is ranked higher than
74% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKSC: 3 )
BKSC' s 10-Year Revenue Growth (%) Range
Min: -2.1   Max: 9.7
Current: 3
-2.1
9.7
EBITDA Growth (%) 17.3
BKSC's EBITDA Growth (%) is ranked higher than
85% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKSC: 17.3 )
BKSC' s 10-Year EBITDA Growth (%) Range
Min: -18   Max: 17.9
Current: 17.3
-18
17.9
EPS Growth (%) 17.7
BKSC's EPS Growth (%) is ranked higher than
84% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKSC: 17.7 )
BKSC' s 10-Year EPS Growth (%) Range
Min: -17.2   Max: 19.2
Current: 17.7
-17.2
19.2
ยป BKSC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry		 vs
history
P/E(ttm) 15.20
BKSC's P/E(ttm) is ranked lower than
60% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.80 vs. BKSC: 15.20 )
BKSC' s 10-Year P/E(ttm) Range
Min: 13.03   Max: 26.74
Current: 15.2
13.03
26.74
P/B 1.68
BKSC's P/B is ranked lower than
89% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. BKSC: 1.68 )
BKSC' s 10-Year P/B Range
Min: 1.33   Max: 3.2
Current: 1.68
1.33
3.2
P/S 3.96
BKSC's P/S is ranked lower than
80% of the 894 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.45 vs. BKSC: 3.96 )
BKSC' s 10-Year P/S Range
Min: 2.96   Max: 5.78
Current: 3.96
2.96
5.78
PFCF 17.81
BKSC's PFCF is ranked lower than
83% of the 694 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. BKSC: 17.81 )
BKSC' s 10-Year PFCF Range
Min: 7.52   Max: 124.2
Current: 17.81
7.52
124.2
EV-to-EBIT 10.26
BKSC's EV-to-EBIT is ranked higher than
73% of the 745 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.84 vs. BKSC: 10.26 )
BKSC' s 10-Year EV-to-EBIT Range
Min: 1.7   Max: 20.1
Current: 10.26
1.7
20.1
PEG 1.83
BKSC's PEG is ranked lower than
73% of the 286 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. BKSC: 1.83 )
BKSC' s 10-Year PEG Range
Min: 0.67   Max: 96.95
Current: 1.83
0.67
96.95
Shiller P/E 17.29
BKSC's Shiller P/E is ranked lower than
100% of the Companies
in the Global Banks - Regional - US industry.

( Industry Median: vs. BKSC: 17.29 )
BKSC' s 10-Year Shiller P/E Range
Min: 11.98   Max: 28.57
Current: 17.29
11.98
28.57

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 3.59
BKSC's Dividend Yield is ranked higher than
84% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.59 vs. BKSC: 3.59 )
BKSC' s 10-Year Dividend Yield Range
Min: 2.15   Max: 6.38
Current: 3.59
2.15
6.38
Dividend Payout 0.7
BKSC's Dividend Payout is ranked lower than
83% of the 575 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.30 vs. BKSC: 0.7 )
BKSC' s 10-Year Dividend Payout Range
Min: 0.46   Max: 0.87
Current: 0.7
0.46
0.87
Dividend growth (3y) 11.5
BKSC's Dividend growth (3y) is ranked higher than
93% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. BKSC: 11.5 )
BKSC' s 10-Year Dividend growth (3y) Range
Min: -12.3   Max: 14.7
Current: 11.5
-12.3
14.7
Yield on cost (5-Year) 3.34
BKSC's Yield on cost (5-Year) is ranked higher than
77% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. BKSC: 3.34 )
BKSC' s 10-Year Yield on cost (5-Year) Range
Min: 1.99   Max: 5.92
Current: 3.34
1.99
5.92
Share Buyback Rate -0.3
BKSC's Share Buyback Rate is ranked higher than
51% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -0.30 vs. BKSC: -0.3 )
BKSC' s 10-Year Share Buyback Rate Range
Min: 0.5   Max: -0.6
Current: -0.3

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 1.7
BKSC's Price/Tangible Book is ranked lower than
79% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. BKSC: 1.7 )
BKSC' s 10-Year Price/Tangible Book Range
Min: 1.4   Max: 2.8
Current: 1.7
1.4
2.8
Price/DCF (Projected) 1.6
BKSC's Price/DCF (Projected) is ranked lower than
89% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. BKSC: 1.6 )
BKSC' s 10-Year Price/DCF (Projected) Range
Min: 0.8   Max: 1.6
Current: 1.6
0.8
1.6
Price/Median PS Value 1.1
BKSC's Price/Median PS Value is ranked lower than
54% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. BKSC: 1.1 )
BKSC' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.3
Current: 1.1
0.8
1.3
Price/Graham Number 1.1
BKSC's Price/Graham Number is ranked lower than
82% of the 763 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. BKSC: 1.1 )
BKSC' s 10-Year Price/Graham Number Range
Min: 0.9   Max: 1.5
Current: 1.1
0.9
1.5
Earnings Yield (Greenblatt) 9.70
BKSC's Earnings Yield (Greenblatt) is ranked higher than
78% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.20 vs. BKSC: 9.70 )
BKSC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5   Max: 57.2
Current: 9.7
5
57.2
Forward Rate of Return (Yacktman) 5.9
BKSC's Forward Rate of Return (Yacktman) is ranked higher than
54% of the 902 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.38 vs. BKSC: 5.9 )
BKSC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -9.4   Max: 25.8
Current: 5.9
-9.4
25.8

Business Description

Bank of South Carolina Corporation is a bank holding Company for The Bank of South Carolina in Charleston, South Carolina. The Bank offers a full range of deposit services, including checking accounts, NOW Accounts, savings accounts and other time deposits of various types, ranging from daily Money Market Accounts to longer-term Certificates of Deposit. In addition the Bank offers certain retirement account services, such as Individual Retirement Accounts ("IRAs"). All deposit accounts are insured by the Federal Deposit Insurance Corporation ("FDIC") up to the maximum amount allowed by law, $250,000, subject to aggregate rules and limits. The Bank also offers a full range of commercial and personal loans. Commercial loans include both secured and unsecured loans for working capital (including inventory and receivables), business expansion (including acquisition of real estate and improvements) and purchase of machinery and equipment. The Bank originates, processes and closes mortgage loans and sells (each individually) to investors on a list preapproved by the Board. The Bank's lending activities are subject to a variety of lending limits imposed by Federal law. Other services offered by the Bank include internet banking (for individuals and businesses) including online bill pay, and remote deposit capture, allowing businesses to make deposits from its place of business. Credit cards are offered through a correspondent banking service, including MasterCard and Visa . The Bank offers a courier service and ACH origination service as part of its deposit services for commercial customers. A full portfolio of Wealth Management/Trust, Investment and Retirement services are available to Bank customers through an arrangement with Reliance Trust Company. The Bank encounters strong competition from local and national financial institutions as well as consumer and commercial finance companies, insurance companies, brokerage firms. Both the Company and the Bank are subject to extensive state and federal banking laws and regulations that impose specific requirements or restrictions on and provide for general regulatory oversight of virtually all aspects of operations.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR
ยป More Articles for BKSC

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight Apr 28 2013 
Bank of South Carolina Reports First Quarter Results and 8 Insider Buys Apr 17 2013 
Significant Insider Clusters Reported in the Technology, Consumer Cyclical and Financial Industries Apr 16 2013 
Weekly CFO Buys Highlight: REED, BKSC, EMMS, ESL, YORW Oct 22 2012 
Weekly CFO Buys Highlight: VVTV, NLS, MCRI, NEON, BKSC Sep 10 2012 
Weekly CFO Buys Highlight: Bank of South Carolina Corp., Pixelworks Inc. Feb 13 2012 
Weekly CFO Buys Highlight: CHEVD, WEBK, BKSC, UWN, CMC Jan 30 2012 
11 Dividend Stocks Delivering What's Important Sep 26 2011 
Weekly CFO Buys Highlight: BTX, CWST, BKSC, STAG Jun 27 2011 
Bank of South Carolina Corp. (BKSC) CEO Hugh C Jr Lane buys 1,000 Shares Dec 03 2010 

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