Bank of South Carolina Corporation (BKSC): fair value, margin of safety and Wheel Score

Is BKSC undervalued?

At 20.51 (close of 5 Nov 2026), BKSC trades 46% below the GLS average fair value of 37.80. That average comes from 9 models run on the latest filings, and 6 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Bank of South Carolina Corporation the full Value points in the Wheel Score - and a closer look at what the market is pricing in.

There is a wide gap between Lynch (8.70) and Payback Time (87.43). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, neither cheapness nor growth clearly wins for BKSC, so the nightly engine files it under Blend (value score 59, growth score 73, out of 100). It also carries the Quality and Income tags (Quality = moat 7.5+ out of 10 and Piotroski 7+; Income = a dividend yield of 4% or more).

Nine valuation models for BKSC

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Bank of South Carolina Corporation scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 8.0/10 puts BKSC among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.

Returns on capital are moderate - ROIC 11.0%, ROE 13.1%, ROA 1.4% - with debt at 0.19 times equity and a free-cash-flow yield of 14.1%.

The dividend yield is high at 6.92% (payout ratio 51%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.

Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 37: No options

No options are listed on Bank of South Carolina Corporation in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 37, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 1k shares a day on a market cap of $110M, with a beta of 0.28 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

The next earnings report is due on 7 Jan 2027, 63 days away - outside the window of a 30-45-day put sold today.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Regional

The 12 companies below are the closest to Bank of South Carolina Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare BKSC with 7 of them   All Financial Services stocks →