Bank of South Carolina Corporation

BKSC US

BKSC USBank of South Carolina Corporation

United States Composite

11.11

USD

-0.19

(-1.70%)

1.15EPS Dil.

9.50P/E

66.66MMarket Cap

6.12%Div. Yield

Bank of South Carolina Corporation

BKSC:US

(United States Composite)

Recent

price

11.11

P/E

ratio

9.50

div

yld

- -

ROIC.AI

Legends:

Stock price

Beta (1.0 Market)

% total return 06/15

Stock

S&P500

2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	TTM
2.48	2.22	2.37	2.46	2.47	2.67	2.75	2.89	3.12	3.27	3.29	3.53	3.68	3.68	3.84	3.78	3.81	Revenue per Share
0.73	0.56	0.35	0.58	0.59	0.68	0.76	0.81	0.9	0.97	0.9	1.26	1.33	1.17	1.22	1.2	1.17	Basic EPS, GAAP
1.08	0.39	0.49	0.08	0.35	-1.11	3.45	0.38	1.29	1.08	1.47	1.64	0.41	0.02	3.13	1.61	1.69	Free Cash Flow per Basic Share
0.53	0.48	0.36	0.32	0.26	0.46	0.31	0.51	0.44	0.48	0.52	0.67	0.73	0.65	0.78	0.68	0.68	Dividend per Share
0.76	0.83	0.93	0.4	0.65	0.96	1.3	1.6	0.75	1.22	1.54	0.48	1.06	1.57	2.01	2.52	2.7	Book Value per Share
4.88	5.06	5.17	5.36	5.95	6.31	6.44	6.81	7.24	7.45	7.79	8.25	9.25	9.96	9.73	6.99	7.67	Tangible Book Value per Share
5	5	5	5	5	5	5	5	5	5	5	6	6	6	6	6	6	Basic Weighted Avg Shares
13	12	13	13	13	14	15	16	17	18	18	19	20	20	21	21	21	Sales/Revenue/Turnover
45.2	37.2	20.96	34.27	- -	36.73	39.82	41.03	42.49	39.01	- -	- -	- -	- -	- -	- -	- -	Operating Margin (%)
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Depreciation Expense
4	3	2	3	3	4	4	4	5	5	5	7	7	6	7	7	7	Net Income, GAAP
34.82	32.7	29.2	30.98	29.71	30.43	30.98	31.23	31.89	24.34	36.48	13.81	22.91	23.33	23.5	22.91	20.88	Effective Tax Rate (%)
29.46	25.03	14.84	23.65	24.02	25.55	27.49	28.21	28.94	29.51	27.21	35.62	36.06	31.76	31.75	31.75	30.78	Profit Margin (%)
9	6	-2	5	112	90	117	118	149	147	173	152	149	182	352	299	255	Working Capital
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13	13	14	13	13	LT Debt
26	27	28	29	32	34	35	37	39	41	43	45	51	55	54	39	43	Total Equity
14.46	10.8	5.9	9.56	- -	11.12	11.87	11.21	11.78	13.16	- -	- -	- -	- -	- -	- -	- -	Return on Invested Capital (%)
10.91	32.58	10.07	29.85	82.23	77.45	62.3	36.39	46.84	92.64	61.3	113.73	61.55	30.74	28.38	24.42	11.32	Return on Capital (%)
116.64	70.39	40.02	87.17	112.7	84.79	67.03	56.22	76.89	98	64.86	124.49	171.6	88.67	68.07	52.98	47.86	Return on Common Equity (%)

Capital Structure

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in mil. unless spec.

Working Capital

•

in mil. unless spec.

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)	10 years	5 years	1 year
Sales/Revenue/Turnover	3.9%	3.13%	-1.34%
Net Income, GAAP	6.93%	7.66%	-1.33%
Free Cash Flow	1,551.27%	3,150.86%	-48.57%
Total Cash Common Dividend	7.45%	7.25%	-12.49%
Total Equity	2.01%	-0.73%	-28.02%

Growth Rates

•

in mil. unless spec.

Quarterly Revenue

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in mil. unless spec.

Quarterly Earnings Per Share

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in mil. unless spec.

Quarterly Dividends Per Share

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in mil. unless spec.

Business: Bank of South Carolina Corporation operates as a bank holding company for The Bank of South Carolina that provides a range of financial products and services primarily in Charleston, Berkeley, and Dorchester counties of South Carolina. Its deposits include non-interest-bearing demand accounts, NOW accounts, money market accounts, time deposits, and savings accounts, as well as certificates of deposit. The company offers secured and unsecured commercial loans, commercial real estate construction loans, consumer construction loans, home equity lines of credit, and mortgage originations, as well as paycheck protection program loans. It operates five banking house locations. The company was founded in 1986 and is headquartered in Charleston, South Carolina.

	Dec'22	Mar'23	Jun'23
ST Debt	- -	- -	25
LT Borrowings	- -	- -	- -
LT Finance Leases	13	13	13
Preferred Equity and Hybrid Capital	- -	- -	- -
Shares Outstanding	6	6	6
Market Capitalization	91	91	76

	Dec'22	Mar'23	Jun'23
Total Current Assets	301	291	283
Accounts Receivable, Net	2	2	2
Cash, Cash Equivalents & STI	299	289	281
Inventories	- -	- -	- -
Total Current Liabilities	2	3	28
Payables & Accruals	2	3	3
ST Debt	- -	- -	25
Deferred Revenue	- -	- -	- -

2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	TTM
2.48	2.22	2.37	2.46	2.47	2.67	2.75	2.89	3.12	3.27	3.29	3.53	3.68	3.68	3.84	3.78	3.81	Revenue per Share
0.73	0.56	0.35	0.58	0.59	0.68	0.76	0.81	0.9	0.97	0.9	1.26	1.33	1.17	1.22	1.2	1.17	Basic EPS, GAAP
1.08	0.39	0.49	0.08	0.35	-1.11	3.45	0.38	1.29	1.08	1.47	1.64	0.41	0.02	3.13	1.61	1.69	Free Cash Flow per Basic Share
0.53	0.48	0.36	0.32	0.26	0.46	0.31	0.51	0.44	0.48	0.52	0.67	0.73	0.65	0.78	0.68	0.68	Dividend per Share
0.76	0.83	0.93	0.4	0.65	0.96	1.3	1.6	0.75	1.22	1.54	0.48	1.06	1.57	2.01	2.52	2.7	Book Value per Share
4.88	5.06	5.17	5.36	5.95	6.31	6.44	6.81	7.24	7.45	7.79	8.25	9.25	9.96	9.73	6.99	7.67	Tangible Book Value per Share
5	5	5	5	5	5	5	5	5	5	5	6	6	6	6	6	6	Basic Weighted Avg Shares
13	12	13	13	13	14	15	16	17	18	18	19	20	20	21	21	21	Sales/Revenue/Turnover
45.2	37.2	20.96	34.27	- -	36.73	39.82	41.03	42.49	39.01	- -	- -	- -	- -	- -	- -	- -	Operating Margin (%)
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	Depreciation Expense
4	3	2	3	3	4	4	4	5	5	5	7	7	6	7	7	7	Net Income, GAAP
34.82	32.7	29.2	30.98	29.71	30.43	30.98	31.23	31.89	24.34	36.48	13.81	22.91	23.33	23.5	22.91	20.88	Effective Tax Rate (%)
29.46	25.03	14.84	23.65	24.02	25.55	27.49	28.21	28.94	29.51	27.21	35.62	36.06	31.76	31.75	31.75	30.78	Profit Margin (%)
9	6	-2	5	112	90	117	118	149	147	173	152	149	182	352	299	255	Working Capital
- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	13	13	14	13	13	LT Debt
26	27	28	29	32	34	35	37	39	41	43	45	51	55	54	39	43	Total Equity
14.46	10.8	5.9	9.56	- -	11.12	11.87	11.21	11.78	13.16	- -	- -	- -	- -	- -	- -	- -	Return on Invested Capital (%)
10.91	32.58	10.07	29.85	82.23	77.45	62.3	36.39	46.84	92.64	61.3	113.73	61.55	30.74	28.38	24.42	11.32	Return on Capital (%)
116.64	70.39	40.02	87.17	112.7	84.79	67.03	56.22	76.89	98	64.86	124.49	171.6	88.67	68.07	52.98	47.86	Return on Common Equity (%)

Year	Q1	Q2	Q3	Q4	FY
2021	0.17	0.27	0.17	0.17	0.78
2022	0.17	0.17	0.17	0.17	0.68
2023	0.17	0.17	- -	- -	- -

Year	Q1	Q2	Q3	Q4	FY
2021	0.33	0.3	0.31	0.28	1.22
2022	0.26	0.28	0.33	0.33	1.2
2023	0.29	0.23	- -	- -	- -