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what it is
It is a small South Carolina bank that takes deposits, makes loans, and pays you a 5.9% dividend.
how it gets paid
Banks earn net interest income plus fees, not a single “revenue” line like a retailer. FY2025 net interest income summed ~$23.3M across four reported quarters; commercial & multifamily real estate was ~49% of gross loans at FY2024 (company loan composition).
what just happened
FY2025 net income ~$7.9M; diluted EPS $1.41 vs. $1.23 in FY2024. Q4 2025 diluted EPS $0.36 vs. $0.33 in Q4 2024.
At a glance
B+ balance sheet — decent shape, but not bulletproof
85/100 earnings predictability — you can trust these numbers
~11.2x trailing p/e on FY2025 diluted EPS — thin coverage, local story
5.9% dividend yield — cash in your pocket every quarter
$1.41 fy2025 diluted EPS (company release)
xvary composite: 66/100 — average
What they do
It is a small South Carolina bank that takes deposits, makes loans, and pays you a 5.9% dividend.
This bank stays in its lane. It lends in Charleston, Dorchester, and Berkeley counties, and it has done that since 1987. That local focus matters when you only have 82 employees and still run a ~$575M average asset base in the most recent quarter (Q4 2025 averages per company release). Small bank jargon → community banking → your customers know the branch staff, and leaving is annoying.
How they make money
~$369M
gross loans (FY2024, $000s) · mix below is % of gross loans
commercial & multifamily real estate
48.7%
commercial loans (C&I-style)
15.3%
1–4 family residential
14.0%
consumer loans
13.5%
home equity
12.4%
construction & development
5.9%
FY2024 gross loans $369.1M ($000s) and row percentages — investors.banksc.com loan & deposit composition (company presentation; rows are not recalculated here into a single 100% partition).
The products that matter
core community banking franchise
Deposits and loans
~$575M avg assets (Q4 2025)
This is the whole machine as presented here. You are underwriting a small balance sheet, local lending, and deposit gathering — not a multi-engine bank with lots of ways to win.
the whole story
income wrapper around the bank
Dividend appeal
5.9% yield
The yield is why this stock gets attention at all. The catch is that dividend support depends on the same earnings stream that supports the valuation.
income first
what the market seems to value
Stability
85 / 100 price stability
The stock spent the last 52 weeks between $13 and $17. That tells you the market sees BKSC less as a growth vehicle and more as a steady, if thinly followed, income holding.
boring by design
Key numbers
$1.41
fy2025 diluted eps
Unaudited full-year diluted EPS per Jan 8, 2026 release. At $15.79 that is roughly ~11.2x trailing on that figure — before any estimate consensus.
5.9%
dividend yield
You are getting paid while you wait, which matters more when growth data is thin.
~$575M
avg total assets
Q4 2025 quarterly average total assets ~$575M per company tables — a small book where local credit and deposit trends move the needle fast.
0.55
beta
Beta → stock volatility versus the market → so what: BKSC has traded less wildly than most stocks.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 85 / 100
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for BKSC right now.
source: institutional data · return history unavailable
What just happened
company release
FY2025 diluted EPS $1.41 · net income ~$7.9M
Jan 8, 2026 release: FY2025 net income $7,907,090 vs. $6,749,736 in FY2024 (+17.2%). Diluted EPS $1.41 vs. $1.23 prior year; basic $1.45 vs. $1.24. Q4 2025 net income $2,013,281; diluted EPS $0.36 vs. $0.33 in Q4 2024. FY2025 return on average assets 1.38% and on average equity 13.83% vs. 1.14% / 13.55% in FY2024. Q4 2025 net interest margin 4.28%; book value per share $11.14. The bank also completed a $2M share repurchase program in 2025.
~$23.3M
fy2025 net interest income (sum of 4Qs)
$1.41
fy2025 diluted eps
5.9%
dividend yield (snapshot)
the number that mattered
$1.41 diluted EPS is the latest full-year figure from the company. At $15.79 that is about 11.2x on trailing reported earnings — modest for a bank only if credit and funding stay boring.
source: Bank of South Carolina Corporation press release Jan 8, 2026 (annual & Q4 2025); loan mix FY2024 — investors.banksc.com loan & deposit composition
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What could go wrong
BKSC's risk profile is unusually concentrated because the current bull case is so simple: keep deposits sticky, keep credit clean, keep the dividend intact. At roughly a ~$575M average asset footprint (recent quarter) and an ~$85M market cap, one weak link carries a lot of weight.
med
deposit costs rise faster than loan yields
Banks live on net interest margin — the spread between funding costs and asset yields. In human-speak: if BKSC has to pay depositors more before it can reprice loans, earnings get squeezed quickly.
So what: a bank trading on a 5.9% yield does not have much room for a margin squeeze before the dividend conversation gets louder.
med
the dividend is the support beam
A 5.9% yield attracts income buyers. That also means any earnings wobble gets judged through the payout first. If the dividend looks less secure, the stock loses its main reason for being owned.
So what: this can sell off for two reasons at once — lower income confidence and a lower multiple.
med
small-cap trading works until you need the exit
An $85M market cap usually means thinner trading and wider bid-ask spreads. If the story changes, you may not get institutional-style liquidity on the way out.
So what: price stability looks nice on the way in. It does not guarantee graceful exits on the way out.
med
the operating detail here is thin
Institutional ownership detail here is still thin, and any snapshot ages the day the next call report or filing drops. When liquidity and ownership are opaque, it is harder to separate a normal quarter from the start of a problem.
So what: your edge is not hidden information. Your edge, if you have one, is being honest about what you still do not know.
The numbers say BKSC is stable, with beta at 0.55 and price stability at 85, but small and local is still a real risk category.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
dividend durability
The 5.9% yield is the headline attraction. If the payout gets questioned, BKSC stops screening like an income stock and starts screening like a small bank with a problem.
risk
funding costs versus asset yields
This spread is the engine. If deposit pricing moves up faster than loan yields, the engine does less for you even if the bank still looks stable from the outside.
calendar
the next filing
You want updated assets, earnings, and any language around the payout. The current page is usable, but the next filing is where thin stories either get clearer or get stranger.
trend
range-bound trading
BKSC has stayed between $13 and $17 over the last 52 weeks. If it breaks that band, the market is probably reacting to a change in the income story, not suddenly discovering hypergrowth.
Analyst rankings
earnings predictability
85 / 100
The earnings line has been fairly consistent. in human-speak, the system sees BKSC as steady rather than surprising — which is exactly what you want from a bank owned for yield.
risk rank
2
Risk rank 2 means safer than about 80% of stocks in this system. That matters because BKSC's appeal is not explosive upside. It is avoiding ugly downside while the dividend does its job.
price stability
85 / 100
The stock has been relatively calm. Same period. Same conclusion. The market sees a sleepy local bank, and you should assume that changes only if the fundamentals do.
source: institutional data
Institutional activity
institutional ownership data for BKSC is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$15.79
current price
n/a
target midpoint · n/a from current
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