What is BANK OF SO CAROLINA CORP's earnings per share (EPS)?

BANK OF SO CAROLINA CORP (BKSC) reported diluted earnings per share of $1.18 for fiscal year 2022. This represents a -0.8% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

BANK OF SO CAROLINA CORP (BKSC) Financials

BKSC

Trailing 12 months to June 30, 2023

Revenue $21.2M +3.5% YoY

Net Income $6.5M +3.8% YoY

EPS (Diluted) $1.16 +5.5% YoY

Free Cash Flow $9.4M -32.5% YoY

Market Cap $100.5M as of Sep 15, 2026

Price / Sales 4.7x on $21.2M revenue, trailing 12 months to June 30, 2023

Price / Earnings 15.4x on $6.5M net income, trailing 12 months to June 30, 2023

Price / Book 2.4x on $42.6M equity, Q2 FY2023

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 15, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2023, ended Jun 30, 2023 Reported Aug 4, 2023 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2023, filed Aug 4, 2023. Each column of the statement tables below links to the filing it was taken from.

BANK OF SO CAROLINA CORP (BKSC) reported $21.2M in revenue over the twelve months to Jun 30, 2023, up 3.5% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI BKSC FY2022 2026-09-05

A liability-heavy balance sheet converts modest earnings into cash, while shrinking equity magnifies reported returns and leverage.

FY2022's 17.2% ROE alongside just 1.0% ROA points to leverage, not a step-change in asset productivity. Reported debt-to-equity rose from 11.6x in FY2021 to 15.8x in FY2022 as equity contracted, making shareholder returns more sensitive to balance-sheet structure.

FY2022 operating cash flow of $9.5M exceeded net income of $6.7M, so reported earnings translated into cash rather than remaining chiefly an accrual. Free cash flow of $8.9M stayed close to operating cash flow because capital expenditures were $565K, making reinvestment a small cash claim.

Revenue remained near $20M from FY2020 through FY2022 while net margin held at 31.8%, indicating a stable earnings model rather than scale-driven expansion. With assets at $653.3M in FY2022, the business is balance-sheet-led: funding and asset deployment matter more to interpretation than sales growth.

Financial Health Signals

Financial health score not available

BANK OF SO CAROLINA CORP does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

5/6

BANK OF SO CAROLINA CORP passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.42x

For every $1 of reported earnings, BANK OF SO CAROLINA CORP generates $1.42 in operating cash flow ($9.5M OCF vs $6.7M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$5.0M

YoY-1.8%

QoQ-2.1%

5Y CAGR+0.8%

10Y CAGR+2.9%

BANK OF SO CAROLINA CORP generated $5.0M in revenue in Q2 2023. This represents a decrease of 1.8% from the same quarter a year earlier. Against the prior quarter it is down 2.1%.

Net Income

$1.3M

YoY-17.2%

QoQ-19.6%

5Y CAGR-5.8%

10Y CAGR+2.0%

BANK OF SO CAROLINA CORP reported $1.3M in net income in Q2 2023. This represents a decrease of 17.2% from the same quarter a year earlier. Against the prior quarter it is down 19.6%.

EPS (Diluted)

$0.23

YoY-14.8%

QoQ-17.9%

5Y CAGR-5.8%

10Y CAGR0.0%

BANK OF SO CAROLINA CORP earned $0.23 per diluted share (EPS) in Q2 2023. This represents a decrease of 14.8% from the same quarter a year earlier. Against the prior quarter it is down 17.9%.

EBITDA

Not reported for Q2 2023.

Cash & Balance Sheet

Free Cash Flow

$412K

YoY+462.8%

QoQ-74.7%

5Y CAGR-20.9%

10Y CAGR-9.5%

BANK OF SO CAROLINA CORP generated $412K in free cash flow in Q2 2023, representing cash available after capex. This represents an increase of 462.8% from the same quarter a year earlier. Against the prior quarter it is down 74.7%.

Cash & Debt

$25.4M

YoY-40.5%

QoQ+15.4%

5Y CAGR+2.7%

10Y CAGR-5.2%

BANK OF SO CAROLINA CORP held $25.4M in cash as of Q2 2023; long-term debt is not reported for that period.

Dividends Per Share

$0.17

YoY0.0%

QoQ0.0%

BANK OF SO CAROLINA CORP paid $0.17 per share in dividends in Q2 2023. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY-0.1%

QoQ-0.1%

5Y CAGR+0.1%

10Y CAGR+2.2%

BANK OF SO CAROLINA CORP had 6M shares outstanding in Q2 2023. This represents a decrease of 0.1% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Margins & Returns

Net Margin

25.3%

YoY-4.7pp

QoQ-5.5pp

5Y change-10.3pp

10Y change-2.3pp

BANK OF SO CAROLINA CORP's net profit margin was 25.3% in Q2 2023, showing the share of revenue converted to profit. This is down 4.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 5.5 percentage points.

Return on Equity

3.0%

YoY-0.7pp

QoQ-0.6pp

5Y change-1.0pp

10Y change0.0pp

BANK OF SO CAROLINA CORP's ROE was 3.0% in Q2 2023, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.6 percentage points.

Gross Margin

Not reported for Q2 2023.

Operating Margin

Not reported for Q2 2023.

Capital Allocation

Capital Expenditures

$123K

YoY+46.2%

QoQ+20.0%

5Y CAGR+9.0%

10Y CAGR+12.1%

BANK OF SO CAROLINA CORP invested $123K in capex in Q2 2023, funding long-term assets and infrastructure. This represents an increase of 46.2% from the same quarter a year earlier. Against the prior quarter it is up 20.0%.

R&D Spending

Not reported for Q2 2023.

Share Buybacks

Not reported for Q2 2023.

BKSC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BKSC quarterly income statement

Metric	TTM	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Revenue	$21.2M	$21.0M-1.3%	$21.2M+4.5%	$20.3M+0.2%	$20.3M+4.4%	$19.4M+7.9%	$18.0M+1.3%	$17.8M+5.3%	$16.9M+8.3%	$15.6M+5.1%	$14.8M+3.3%	$14.4M+8.1%	$13.3M+0.9%	$13.2M+4.5%	$12.6M
SG&A Expenses	$9.1M	$7.5M+1.5%	$7.4M+3.0%	$7.2M+6.0%	$6.8M+4.9%	$6.5M+7.1%	$6.1M-0.4%	$6.1M+3.9%	$5.9M+7.2%	$5.5M+5.3%	$5.2M+2.9%	$5.0M+6.4%	$4.7M+3.8%	$4.6M+7.7%	$4.2M
Interest Expense	$2.6M	$302K+73.4%	$174K-43.0%	$305K-62.5%	$815K+17.4%	$694K+63.8%	$424K+11.9%	$379K-5.9%	$402K-1.6%	$409K-1.7%	$416K-8.7%	$456K-41.4%	$778K-27.0%	$1.1M-20.2%	$1.3M
Income Tax	$1.7M	$2.0M-4.5%	$2.1M+5.4%	$2.0M-9.6%	$2.2M+96.2%	$1.1M-60.6%	$2.8M+66.7%	$1.7M-26.2%	$2.3M+14.5%	$2.0M+9.2%	$1.8M+14.1%	$1.6M+19.0%	$1.3M-2.6%	$1.4M+82.1%	$760K
Net Income	$6.5M	$6.7M-1.3%	$6.7M+4.4%	$6.5M-11.7%	$7.3M+5.7%	$6.9M+41.2%	$4.9M-6.6%	$5.2M+7.4%	$4.9M+11.0%	$4.4M+7.9%	$4.1M+11.2%	$3.7M+15.0%	$3.2M+2.5%	$3.1M+66.4%	$1.9M
EPS (Basic)	N/A	$1.20-1.6%	$1.22+4.3%	$1.17-12.0%	$1.33+5.6%	$1.26+40.0%	$0.90-7.2%	$0.97-2.0%	$0.99+10.0%	$0.90+8.4%	$0.83+1.2%	$0.82+13.9%	$0.72+2.9%	$0.70+62.8%	$0.43
EPS (Diluted)	$1.16	$1.18-0.8%	$1.19+4.4%	$1.14-13.0%	$1.31+5.6%	$1.24+40.9%	$0.88-6.4%	$0.94-2.1%	$0.96+10.3%	$0.87+4.8%	$0.83+1.2%	$0.82+13.9%	$0.72+2.9%	$0.70+62.8%	$0.43
Diluted Shares (Avg)	N/A	6M-0.6%	6M0.0%	6M+1.6%	6M0.0%	6M+0.4%	6M+0.1%	6M+9.8%	5M+0.7%	5M+2.6%	5M+10.4%	4M+0.1%	4M+0.5%	4M+0.5%	4M

Metric	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-K	Q2'2210-Q	Q1'2210-Q	Q4'2110-K	Q3'2110-K
Revenue	$5.0M-1.8%	$5.1M+6.1%	$5.5M+7.1%	$5.5M+2.9%	$5.1M-2.5%	$4.9M-12.2%	$5.2M-5.9%	$5.3M+2.0%
SG&A Expenses	$2.0M+9.1%	$2.0M+8.5%	$3.2M+1.1%	$1.9M+1.4%	$1.9M+0.6%	$1.8M+0.7%	$3.1M+4.5%	$1.8M+4.2%
Interest Expense	$1.4M+3654.4%	$931K+2430.4%	$190K+401.2%	$38K-4.6%	$38K-10.6%	$37K-32.5%	$38K-40.1%	$39K-45.5%
Income Tax	$380K-16.9%	$266K-40.5%	$527K+13.4%	$546K+3.8%	$458K-11.2%	$447K-21.0%	$465K-12.1%	$526K+1.1%
Net Income	$1.3M-17.2%	$1.6M+8.5%	$1.8M+17.5%	$1.8M+6.6%	$1.5M-7.5%	$1.5M-19.1%	$1.5M-11.3%	$1.7M+1.4%
EPS (Basic)	$0.23-17.9%	$0.29+11.5%	$0.33+17.9%	$0.33+6.5%	$0.28-6.7%	$0.26-21.2%	$0.28-9.7%	$0.310.0%
EPS (Diluted)	$0.23-14.8%	$0.28+7.7%	$0.32+18.5%	$0.33+10.0%	$0.27-6.9%	$0.26-18.8%	$0.27-12.9%	$0.300.0%
Diluted Shares (Avg)	6M-0.9%	6M-0.8%	N/A	6M-0.6%	6M+0.1%	6M+0.1%	N/A	6M-0.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

BKSC Balance Sheet

BKSC quarterly balance sheet

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Total Assets	$653.3M-3.8%	$679.2M+27.6%	$532.5M+19.7%	$445.0M+3.7%	$429.1M-3.9%	$446.6M+7.9%	$413.9M+3.7%	$399.2M+8.7%	$367.2M+7.7%	$340.9M+4.8%	$325.4M-4.4%	$340.5M+21.4%	$280.5M	N/A
Cash & Equivalents	$27.8M-80.2%	$140.1M+189.9%	$48.3M-1.6%	$49.1M+54.2%	$31.8M-2.1%	$32.5M+23.9%	$26.2M-10.1%	$29.2M+181.3%	$10.4M-53.1%	$22.1M-28.7%	$31.0M-40.4%	$52.1M+113.1%	$24.4M+155.0%	$9.6M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$614.5M-1.7%	$625.3M+30.9%	$477.5M+21.2%	$393.8M+2.7%	$383.7M-5.0%	$403.8M+8.2%	$373.3M+3.7%	$360.0M+8.9%	$330.5M+7.9%	$306.2M+5.0%	$291.5M-4.8%	$306.1M+21.6%	$251.8M	N/A
Total Equity	$38.8M-28.0%	$53.9M-1.9%	$55.0M+7.5%	$51.2M+12.5%	$45.5M+6.3%	$42.8M+5.3%	$40.6M+3.7%	$39.2M+6.5%	$36.8M+5.8%	$34.7M+2.4%	$33.9M+6.1%	$32.0M+11.4%	$28.7M+4.2%	$27.6M
Retained Earnings	$14.0M+25.9%	$11.1M+27.9%	$8.7M+47.9%	$5.9M+121.8%	$2.7M-70.0%	$8.8M+33.2%	$6.6M+63.4%	$4.1M-53.0%	$8.6M+23.3%	$7.0M+35.9%	$5.2M-15.9%	$6.1M+182.9%	$2.2M	N/A

Metric	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-K	Q2'2210-Q	Q1'2210-Q	Q4'2110-K	Q3'2110-K
Total Assets	$648.4M-1.1%	$647.4M-2.7%	$653.3M-3.8%	$630.1M-8.9%	$655.5M+12.6%	$665.0M+20.0%	$679.2M+27.6%	$691.8M+30.7%
Cash & Equivalents	$25.4M-40.5%	$22.0M-68.3%	$27.8M-80.2%	$9.1M-94.5%	$42.6M-45.8%	$69.4M+16.7%	$140.1M+189.9%	$164.3M+269.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$605.8M-1.3%	$603.9M-2.6%	$614.5M-1.7%	$594.1M-6.8%	$613.8M+16.4%	$620.0M+23.7%	$625.3M+30.9%	$637.4M+34.3%
Total Equity	$42.6M+2.3%	$43.5M-3.2%	$38.8M-28.0%	$36.0M-33.8%	$41.6M-23.6%	$45.0M-15.2%	$53.9M-1.9%	$54.4M-0.2%
Retained Earnings	$15.0M+22.4%	$14.6M+25.8%	$14.0M+25.9%	$13.1M+24.8%	$12.2M+25.7%	$11.6M+29.2%	$11.1M+27.9%	$10.5M+33.3%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

BKSC Cash Flow Statement

BKSC quarterly cash flow statement

Metric	TTM	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Operating Cash Flow	$10.1M	$9.5M-45.8%	$17.5M+5881.0%	$292K-93.4%	$4.4M-52.3%	$9.3M+13.9%	$8.2M+35.4%	$6.0M-15.1%	$7.1M+227.5%	$2.2M-88.4%	$18.8M+417.5%	-$5.9M-363.8%	$2.2M+350.2%	$498K-82.8%	$2.9M
Depreciation & Amortization	N/A	$359K-13.0%	$413K-1.9%	$421K+82.8%	$230K+17.6%	$196K+1.4%	$193K+2.2%	$189K-3.9%	$197K-1.7%	$200K+3.8%	$193K-6.7%	$207K-1.3%	$209K-9.7%	$232K+6.5%	$218K
Stock-Based Compensation	N/A	$122K+18.1%	$103K+10.8%	$93K+19.1%	$78K+7.8%	$72K+1.0%	$72K-6.3%	$77K-3.1%	$79K+5.4%	$75K+0.2%	$75K+2.5%	$73K+12.9%	$65K+27.3%	$51K+7.5%	$47K
Capital Expenditures	$674K	$565K+297.1%	$142K-22.7%	$184K-91.6%	$2.2M+661.5%	$287K+103.3%	$141K-28.2%	$197K+47.1%	$134K+36.7%	$98K-39.3%	$161K+93.7%	$83K-78.4%	$385K+152.7%	$152K-50.8%	$309K
Free Cash Flow	$9.4M	$8.9M-48.6%	$17.3M+15960.8%	$108K-95.2%	$2.3M-75.0%	$9.0M+12.3%	$8.0M+37.5%	$5.8M-16.3%	$7.0M+236.5%	$2.1M-88.8%	$18.6M+410.4%	-$6.0M-423.0%	$1.9M+437.2%	$345K-86.7%	$2.6M
Investing Cash Flow	-$15.5M	-$107.7M-57.0%	-$68.6M+14.5%	-$80.2M-503.0%	$19.9M+42.0%	$14.0M+147.1%	-$29.8M-44.6%	-$20.6M-34.1%	-$15.4M+56.5%	-$35.3M+12.4%	-$40.3M-1462.0%	-$2.6M+88.9%	-$23.3M-1042.2%	$2.5M+107.3%	-$33.9M
Financing Cash Flow	-$11.9M	-$14.1M-109.9%	$142.9M+80.6%	$79.1M+1217.7%	-$7.1M+70.5%	-$24.0M-186.2%	$27.9M+140.4%	$11.6M-57.1%	$27.1M+26.3%	$21.4M+69.3%	$12.6M+200.9%	-$12.5M-125.7%	$48.7M+309.7%	$11.9M-41.7%	$20.4M
Dividends Paid	$3.8M	$3.8M-12.5%	$4.3M+20.0%	$3.6M-10.9%	$4.0M+9.0%	$3.7M+30.6%	$2.8M+8.4%	$2.6M+54803.1%	-$5K-100.2%	$2.9M+27.6%	$2.2M+3.9%	$2.2M+20.7%	$1.8M	N/A	N/A
Share Buybacks	N/A	N/A	N/A	$399K	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$2K	N/A

Metric	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-K	Q2'2210-Q	Q1'2210-Q	Q4'2110-K	Q3'2110-K
Operating Cash Flow	$534K+1905.8%	$1.7M+1.5%	$1.8M-64.4%	$6.0M-19.2%	-$30K-101.0%	$1.7M-14.7%	$5.0M+140.0%	$7.5M+446.8%
Depreciation & Amortization	$79K-12.7%	$85K-12.8%	$82K-15.8%	$89K-13.4%	$91K-14.8%	$98K-8.2%	$97K-7.1%	$103K-2.6%
Stock-Based Compensation	N/A	$30K+7.7%	N/A	N/A	N/A	$28K+21.7%	N/A	N/A
Capital Expenditures	$123K+46.2%	$102K+223.5%	$347K+1259.2%	$102K+44.9%	$84K+395.2%	$32K+8.0%	$26K-16.8%	$71K-1.6%
Free Cash Flow	$412K+462.8%	$1.6M-2.6%	$1.4M-71.3%	$5.9M-19.8%	-$113K-103.8%	$1.7M-15.1%	$5.0M+142.3%	$7.4M+471.7%
Investing Cash Flow	$1.7M+108.6%	$4.5M+106.8%	-$2.7M+81.8%	-$19.0M+38.4%	-$19.8M-86.3%	-$66.2M-432.8%	-$14.7M-3914.1%	-$30.8M+17.7%
Financing Cash Flow	$1.2M+116.8%	-$12.0M-93.3%	$19.6M+235.5%	-$20.6M-118.9%	-$6.9M-125.8%	-$6.2M-128.9%	-$14.5M-784.3%	$109.0M+796.9%
Dividends Paid	$944K0.0%	$944K+0.2%	$944K+0.3%	$944K+0.3%	$944K-36.7%	$942K+0.4%	$941K+0.3%	$941K+6.3%

Not reported in any period shown, so not listed: Share Buybacks.

BKSC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BKSC quarterly financial ratios

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Net Margin	31.8%0.0pp	31.8%0.0pp	31.8%-4.3pp	36.1%+0.4pp	35.6%+8.4pp	27.2%-2.3pp	29.5%+0.6pp	28.9%+0.7pp	28.2%+0.7pp	27.5%+1.9pp	25.6%+1.5pp	24.0%+0.4pp	23.6%+8.8pp	14.8%
Return on Equity	17.2%+4.6pp	12.5%+0.8pp	11.8%-2.5pp	14.3%-0.9pp	15.2%+3.8pp	11.5%-1.5pp	12.9%+0.4pp	12.5%+0.5pp	12.0%+0.2pp	11.7%+0.9pp	10.8%+0.8pp	10.0%-0.9pp	10.8%+4.0pp	6.8%
Return on Assets	1.0%0.0pp	1.0%-0.2pp	1.2%-0.4pp	1.6%0.0pp	1.6%+0.5pp	1.1%-0.2pp	1.3%0.0pp	1.2%0.0pp	1.2%0.0pp	1.2%+0.1pp	1.1%+0.2pp	0.9%-0.2pp	1.1%	N/A
Debt-to-Equity	15.83+4.2x	11.60+2.9x	8.69+1.0x	7.70-0.7x	8.44-1.0x	9.44+0.2x	9.190.0x	9.20+0.2x	8.99+0.2x	8.81+0.2x	8.59-1.0x	9.57+0.8x	8.77	N/A
Asset Turnover	0.030.0x	0.030.0x	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.05	N/A
FCF Margin	42.5%-39.0pp	81.5%+81.0pp	0.5%-10.6pp	11.1%-35.3pp	46.5%+1.8pp	44.6%+11.8pp	32.9%-8.5pp	41.4%+28.1pp	13.3%	125.4%	-41.7%-55.7pp	14.0%+11.3pp	2.6%-17.9pp	20.5%

Metric	Q2'2310-Q	Q1'2310-Q	Q4'2210-K	Q3'2210-K	Q2'2210-Q	Q1'2210-Q	Q4'2110-K	Q3'2110-K
Net Margin	25.3%-4.7pp	30.9%+0.7pp	32.8%+2.9pp	33.7%+1.2pp	30.0%-1.6pp	30.2%-2.6pp	29.9%-1.8pp	32.6%-0.2pp
Return on Equity	3.0%-0.7pp	3.6%+0.4pp	4.7%+1.8pp	5.1%+1.9pp	3.7%+0.7pp	3.3%-0.2pp	2.9%-0.3pp	3.2%+0.1pp
Return on Assets	0.2%0.0pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp	0.2%-0.1pp	0.2%-0.1pp	0.2%-0.1pp	0.3%-0.1pp
Debt-to-Equity	14.23-0.5x	13.88+0.1x	15.83+4.2x	16.50+4.8x	14.75+5.1x	13.79+4.3x	11.60+2.9x	11.71+3.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	8.2%+10.4pp	31.6%-2.9pp	25.9%-70.5pp	108.6%	-2.2%-59.2pp	34.5%-1.2pp	96.4%+59.0pp	139.3%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Where BANK OF SO CAROLINA CORP Ranks

Frequently Asked Questions

What is BANK OF SO CAROLINA CORP's annual revenue?

BANK OF SO CAROLINA CORP (BKSC) reported $21.0M in total revenue for fiscal year 2022. This represents a -1.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is BANK OF SO CAROLINA CORP's revenue growing?

BANK OF SO CAROLINA CORP (BKSC) revenue declined by 1.3% year-over-year, from $21.2M to $21.0M in fiscal year 2022.

Is BANK OF SO CAROLINA CORP profitable?

Yes, BANK OF SO CAROLINA CORP (BKSC) reported a net income of $6.7M in fiscal year 2022, with a net profit margin of 31.8%.

What is BANK OF SO CAROLINA CORP's net profit margin?

BANK OF SO CAROLINA CORP (BKSC) had a net profit margin of 31.8% in fiscal year 2022, representing the share of revenue converted into profit after all expenses.

Does BANK OF SO CAROLINA CORP pay dividends?

Yes, BANK OF SO CAROLINA CORP (BKSC) paid $0.68 per share in dividends during fiscal year 2022.

What is BANK OF SO CAROLINA CORP's return on equity (ROE)?

BANK OF SO CAROLINA CORP (BKSC) has a return on equity of 17.2% for fiscal year 2022, measuring how efficiently the company generates profit from shareholder equity.

What is BANK OF SO CAROLINA CORP's free cash flow?

BANK OF SO CAROLINA CORP (BKSC) generated $8.9M in free cash flow during fiscal year 2022. This represents a -48.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is BANK OF SO CAROLINA CORP's operating cash flow?

BANK OF SO CAROLINA CORP (BKSC) generated $9.5M in operating cash flow during fiscal year 2022, representing cash generated from core business activities.

What are BANK OF SO CAROLINA CORP's total assets?

BANK OF SO CAROLINA CORP (BKSC) had $653.3M in total assets as of fiscal year 2022, including both current and long-term assets.

What are BANK OF SO CAROLINA CORP's capital expenditures?

BANK OF SO CAROLINA CORP (BKSC) invested $565K in capital expenditures during fiscal year 2022, funding long-term assets and infrastructure.

How many shares does BANK OF SO CAROLINA CORP have outstanding?

BANK OF SO CAROLINA CORP (BKSC) had 6M shares outstanding as of fiscal year 2022.

What is BANK OF SO CAROLINA CORP's debt-to-equity ratio?

BANK OF SO CAROLINA CORP (BKSC) had a debt-to-equity ratio of 15.83 as of fiscal year 2022, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is BANK OF SO CAROLINA CORP's return on assets (ROA)?

BANK OF SO CAROLINA CORP (BKSC) had a return on assets of 1.0% for fiscal year 2022, measuring how efficiently the company uses its assets to generate profit.

What is BANK OF SO CAROLINA CORP's P/E ratio?

BANK OF SO CAROLINA CORP (BKSC) trades at 15.4x earnings, its market capitalization divided by net income of $6.5M net income, trailing 12 months to June 30, 2023. The market capitalization is $100.5M as of Sep 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is BANK OF SO CAROLINA CORP's price-to-sales ratio?

BANK OF SO CAROLINA CORP (BKSC) trades at 4.7x sales, its market capitalization divided by revenue of $21.2M revenue, trailing 12 months to June 30, 2023. The market capitalization is $100.5M as of Sep 15, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is BANK OF SO CAROLINA CORP's Piotroski F-Score?

BANK OF SO CAROLINA CORP (BKSC) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are BANK OF SO CAROLINA CORP's earnings high quality?

BANK OF SO CAROLINA CORP (BKSC) has an earnings quality ratio of 1.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.