Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Bank of South Carolina has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Bank of South Carolina's interest coverage with the available data.
Bank of South Carolina's debt to revenue ratio for the quarter that ended in Mar. 2026 was 0.45.
Altman Z-Score does not apply to banks and insurance companies.
Bank of South Carolina (OTCPK:BKSC) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Bank of South Carolina has the Financial Strength Rank of 4.
Bank of South Carolina Financial Strength Related Terms
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Bank of South Carolina Corp has enough cash to cover all of its debt. Its financial situation is stable.
2. Debt to revenue ratio. The lower, the better.
Bank of South Carolina's Debt to Revenue Ratio for the quarter that ended in Mar. 2026 is
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Financial Strength of 4 as of Mar. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bank of South Carolina and its competitors. This is 20% below median its historical median of 5.00. Over the past decade, Bank of South Carolina's Financial Strength has ranged from 4.00 to 8.00.
Is Bank of South Carolina's Financial Strength too high?
Bank of South Carolina's current Financial Strength of 4 is 20% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 8.00. 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 Financial Strength compare to USMT and CBKM?
Bank of South Carolina's Financial Strength of 4 can be compared against companies in the Banks industry. Historically, Bank of South Carolina's own Financial Strength has ranged from 4.00 to 8.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength 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 Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bank of South Carolina and its competitors. Bank of South Carolina's current Financial Strength is 4, which is 20% below median its own 10-year median of 5.00. 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 $18.90 — trading 16.6% above its estimated fair value. The current Financial Strength is 4, which is 20% below median its 10-year median of 5.00. 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 Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Bank of South Carolina (BKSC), the current Financial Strength is 4 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 $18.90 is trading 16.6% above its estimated GF Value™ of $16.21.
GuruFocus considers Bank of South Carolina to be Modestly Overvalued.
Key valuation signals for BKSC:
Financial Strength: 4 (20% below median its 10-year median of 5.00)
GF Value™: $16.21 vs. price of $18.90 (16.6% above fair value)
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
Get the complete analysis for BKSC
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BKSC has been successfully added to your 
