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Bank of South CarolinaBKSC +1.87%63 Debt-to-Equity is 0.19 as of Mar. 2026, which is 21% below its 10-year median of 0.24. 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 1,411 Banks companies, Bank of South Carolina ranks better than 78.24% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Bank of South Carolina's Debt-to-Equity or its related term are showing as below:
BKSC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.15 Med: 0.24 Max: 1.53
Current: 0.19
During the past 13 years, the highest Debt-to-Equity Ratio of Bank of South Carolina was 1.53. The lowest was 0.15. And the median was 0.24.
BKSC's Debt-to-Equity is ranked better than 78.24% of 1411
companies
in the Banks industry
Industry Median: 0.58
vs BKSC: 0.19
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Bank of South Carolina Debt-to-Equity Related Terms
Bank of South Carolina Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Bank of South Carolina's Debt-to-Equity 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.
BKSC vs USMT, CBKM, PBHC: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Bank of South Carolina's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank of South Carolina's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bank of South Carolina's Debt-to-Equity 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 Debt-to-Equity of 0.19 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank of South Carolina and its competitors. This is 21% below median its historical median of 0.24. Over the past decade, Bank of South Carolina's Debt-to-Equity has ranged from 0.15 to 1.53. According to the industry distribution chart, Bank of South Carolina ranks #307 out of 1411 companies in the Banks industry, placing it in the top 21.8%.
Is Bank of South Carolina's Debt-to-Equity too high?
Bank of South Carolina's current Debt-to-Equity of 0.19 is 21% below median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 1.53. The Banks industry median Debt-to-Equity is 0.58. Bank of South Carolina's value of 0.19 is 67.2% below this industry median. Based on the distribution chart, Bank of South Carolina ranks #307 out of 1411 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 Debt-to-Equity compare to USMT and CBKM?
According to the Banks industry distribution chart, Bank of South Carolina ranks #307 out of 1411 companies for Debt-to-Equity. This places Bank of South Carolina in the top 22% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.58. Bank of South Carolina's value of 0.19 is 67.2% below this benchmark. Historically, Bank of South Carolina's own Debt-to-Equity has ranged from 0.15 to 1.53 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 0.58, Bank of South Carolina has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of South Carolina's current Debt-to-Equity of 0.19 is 67.2% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank of South Carolina and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of South Carolina's current Debt-to-Equity is 0.19, which is 21% below median its own 10-year median of 0.24. 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 Debt-to-Equity is 0.19, which is 21% below median its 10-year median of 0.24 and 67.2% below the Banks industry median of 0.58. 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 Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Bank of South Carolina (BKSC), the current Debt-to-Equity is 0.19 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:
Debt-to-Equity: 0.19 (21% below median its 10-year median of 0.24)
GF Value™: $16.21 vs. price of $19.02 (17.3% above fair value)
Industry Position: 67.2% below the Banks median (#307 of 1411)
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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