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Bank of South CarolinaBKSC 63 Cash-to-Debt is 6.37 as of Mar. 2026, which is 29% above its 10-year median of 4.93. GuruFocus rates BKSC with a GF Score™ of 63/100 and a GF Value™ of $16.21 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,490 Banks companies, Bank of South Carolina ranks better than 79.66% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Bank of South Carolina's cash to debt ratio for the quarter that ended in Mar. 2026 was 6.37.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Bank of South Carolinacould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Bank of South Carolina's Cash-to-Debt or its related term are showing as below:
BKSC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.16 Med: 4.93 Max: No Debt
Current: 6.37
During the past 13 years, Bank of South Carolina's highest Cash to Debt Ratio was No Debt. The lowest was 0.16. And the median was 4.93.
BKSC's Cash-to-Debt is ranked better than 79.66% of 1490
companies
in the Banks industry
Industry Median: 1.38
vs BKSC: 6.37
Bank of South Carolina (OTCPK:BKSC) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Bank of South Carolina Cash-to-Debt Related Terms
Bank of South Carolina Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Bank of South Carolina's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of South Carolina Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Bank of South Carolina's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Bank of South Carolina's Cash-to-Debt falls into.
* 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.
Bank of South Carolina (BKSC) has a Cash-to-Debt of 6.37 as of Mar. 2026. This is 29% above median its historical median of 4.93. Over the past decade, Bank of South Carolina's Cash-to-Debt has ranged from 0.16 to 10,000.00. According to the industry distribution chart, Bank of South Carolina ranks #303 out of 1490 companies in the Banks industry, placing it in the top 20.3%.
Is Bank of South Carolina's Cash-to-Debt too high?
Bank of South Carolina's current Cash-to-Debt of 6.37 is 29% above median its 10-year median of 4.93. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.38. Bank of South Carolina's value of 6.37 is 361.6% above this industry median. Based on the distribution chart, Bank of South Carolina ranks #303 out of 1490 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank of South Carolina has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of South Carolina's Cash-to-Debt compare to USMT and CBKM?
According to the Banks industry distribution chart, Bank of South Carolina ranks #303 out of 1490 companies for Cash-to-Debt. This places Bank of South Carolina in the top 20% of its industry — outperforming the majority of peers. The industry median Cash-to-Debt is 1.38. Bank of South Carolina's value of 6.37 is 361.6% above this benchmark. Historically, Bank of South Carolina's own Cash-to-Debt has ranged from 0.16 to 10,000.00 over the past decade. While the company's 10-year median is 4.93 vs. the industry median of 1.38, Bank of South Carolina has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,490 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of South Carolina's current Cash-to-Debt of 6.37 is 361.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of South Carolina's current Cash-to-Debt is 6.37, which is 29% above median its own 10-year median of 4.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of South Carolina stock overvalued right now?
Based on GuruFocus' analysis, Bank of South Carolina (BKSC) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.21, compared to a current price of $19.02 — trading 17.3% above its estimated fair value. The current Cash-to-Debt is 6.37, which is 29% above median its 10-year median of 4.93 and 361.6% above the Banks industry median of 1.38. Bank of South Carolina's overall GF Score™ is 63/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Bank of South Carolina (BKSC), the current Cash-to-Debt is 6.37 as of Mar. 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 Bank of South Carolina (BKSC) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of South Carolina stock appears to be overvalued.
The current stock price of $19.02 is trading 17.3% above its estimated GF Value™ of $16.21.
GuruFocus considers Bank of South Carolina to be Modestly Overvalued.
Key valuation signals for BKSC:
Cash-to-Debt: 6.37 (29% above median its 10-year median of 4.93)
GF Value™: $16.21 vs. price of $19.02 (17.3% above fair value)
Industry Position: 361.6% above the Banks median (#303 of 1490)
No single metric tells the full story. See the BKSC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of South Carolina Corp is a bank holding company offering financial services through its wholly owned subsidiary, The Bank operates principally in the Charleston, Dorchester, and Berkeley counties of South Carolina and derives the majority of its income from interest on loans and investment securities funded by deposits. Its personal banking services include Checking, Savings, Zelle, Certificates of Deposit, Health Savings Accounts, Individual Retirement Accounts, VISA CheckCards, eSafe Internet Banking, Mobile Banking, Consumer Loans, Credit Cards and Safe Deposit Boxes, while business banking services include Checking, Savings, Certificates of Deposit, Health Savings Accounts, eCorp Internet Banking, Wire Transfer Requests and Merchant Credit Card Services.
63GF Score
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