Stock fact sheet · data as of
Bank of South Carolina Corporation (BKSC): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · High Yield Income
Is BKSC undervalued?
At 18.67 (close of 16 Oct 2026), BKSC trades 51% below the GLS average fair value of 37.75. That average comes from 9 models run on the latest filings, and 7 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 (88.11). 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.
The nightly engine files BKSC under High Yield Income: a dividend yield above 4%.
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.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 41.50 | +122% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 20.38 | +9% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 30.54 | +64% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 8.70 | -53% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 45.00 | +141% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 66.56 | +256% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 88.11 | +372% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 20.89 | +12% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 18.09 | -3% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -86.46 | -563% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Bank of South Carolina Corporation scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 4.1/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
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 15.4%.
The dividend yield is high at 7.61% (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.
| Piotroski F-score | 6 / 9 | ROIC | 11.0% |
|---|---|---|---|
| GLS Moat | 4.1 / 10 | ROE | 13.1% |
| Debt / equity | 0.19 | ROA | 1.4% |
| Free-cash-flow yield | 15.4% | Payout ratio | 51% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Bank of South Carolina Corporation in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $100M, 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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 51% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 6 / 15 | moat 4.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $100M cap, beta 0.28 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 7 Jan 2027, 83 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.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| CITZ Citizens Bancshares Corp. | 48.05 | 126.38 | +62% | 39No options | $100M |
| ORBN Oregon Bancorp, Inc. | 40.10 | 18.47 | -117% | 18No options | $99M |
| FTFI First Berlin Bancorp, Inc. | 37.90 | 82.64 | +54% | 39No options | $99M |
| NACB National Capital Bancorp, Inc. | 87.40 | 87.44 | +0% | 33No options | $101M |
| CBKM Consumers Bancorp, Inc. | 31.90 | 24.08 | -32% | 28No options | $101M |
| CYVF Crystal Valley Financial Corporation | 80.50 | 135.40 | +41% | 39No options | $101M |
| PNBK Patriot National Bancorp, Inc. | 0.8563 | 2.10 | +59% | 39No options | $102M |
| SEBC Southeastern Banking Corporation | 32.00 | 41.96 | +24% | 39No options | $102M |
| JBTC JBT Bancorp Inc. | 42.06 | 87.63 | +52% | 39No options | $102M |
| UWHR Uwharrie Capital Corp | 14.55 | 30.07 | +52% | 39No options | $103M |
| STBK Studio Bank | 14.40 | 14.74 | +2% | 25No options | $103M |
| PPLL Peoples Ltd. | 57.20 | 76.30 | +25% | 39No options | $104M |
⚖ Compare BKSC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BKSC
Is BKSC undervalued right now?
By the GLS models, yes: at 18.67 the stock is 51% below the average fair value of 37.75 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of BKSC and what does it mean?
BKSC has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BKSC?
37.75 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Bank of South Carolina Corporation report earnings next?
The next earnings report is due on 7 Jan 2027, 83 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does BKSC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BKSC, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.