KSBI (KS Bancorp) Net Loan: $714.31 Mil (As of Jun. 2026)

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KSBI KS Bancorp Inc KSBI
63 GF Score
Price $79.50
GF Value $72.86
Valuation Fairly Valued
! 2 Warning Signs
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What is KS Bancorp Net Loan?

KS Bancorp KSBI +2.58% 63 Net Loan is $714.31 Mil as of Jun. 2026. GuruFocus rates KSBI with a GF Score™ of 63/100 and a GF Value™ of $72.86 (Fairly Valued). The stock has 2 warning signs investors should review.

KS Bancorp's quarterly net loan increased from Dec. 2025 ($664.21 Mil) to Mar. 2026 ($687.49 Mil) and increased from Mar. 2026 ($687.49 Mil) to Jun. 2026 ($714.31 Mil).

KS Bancorp's annual net loan increased from Dec. 2023 ($472.91 Mil) to Dec. 2024 ($687.49 Mil) and increased from Dec. 2024 ($687.49 Mil) to Dec. 2025 ($714.31 Mil).

KS Bancorp Net Loan Historical Data

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The historical data trend for KS Bancorp's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

KS Bancorp Net Loan Chart

KS Bancorp Annual Data
Trend Dec04 Dec05 Dec06 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 345.64 413.74 472.91 554.52 664.21

KS Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 587.93 622.11 664.21 687.49 714.31
KSBI
63GF Score
KS Bancorp Inc KSBI
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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KS Bancorp Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of $714.31 Mil mean?
KS Bancorp (KSBI) has a Net Loan of $714.31 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on KS Bancorp and its competitors.
Is KS Bancorp's Net Loan too high?
KS Bancorp's current Net Loan is $714.31 Mil. Overall, KS Bancorp has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does KS Bancorp's Net Loan compare to SLRK and IBTN?
KS Bancorp's Net Loan of $714.31 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on KS Bancorp and its competitors. KS Bancorp's current Net Loan is $714.31 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is KS Bancorp stock overvalued right now?
Based on GuruFocus' analysis, KS Bancorp (KSBI) is currently considered Fairly Valued. The stock's GF Value™ is $72.86, compared to a current price of $79.50 — trading 9.1% above its estimated fair value. The current Net Loan is $714.31 Mil. KS Bancorp's overall GF Score™ is 63/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For KS Bancorp (KSBI), the current Net Loan is $714.31 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is KS Bancorp (KSBI) Overvalued in 2026?

Based on GuruFocus' analysis, KS Bancorp stock appears to be overvalued. The current stock price of $79.50 is trading 9.1% above its estimated GF Value™ of $72.86. GuruFocus considers KS Bancorp to be Fairly Valued.

Key valuation signals for KSBI:

  • Net Loan: $714.31 Mil
  • GF Value™: $72.86 vs. price of $79.50 (9.1% above fair value)
  • GF Score™: 63/100 with 2 warning signs

No single metric tells the full story. See the KSBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

KS Bancorp Business Description

Address 1031 North Brightleaf Boulevard, PO Box 661, Smithfield, NC, USA, 27577
KS Bancorp Inc is a community bank. The Bank's operations are retail-oriented and directed toward individuals and small to medium-sized businesses located in the company's banking market. The Bank provides traditional banking services, which include taking of demand deposits and making of consumer and commercial loans. The Bank's primary source of revenue is the interest income derived from its lending activities.
63GF Score

Get the complete analysis for KSBI

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$79.50
Price
$72.86
GF Value