Bank of South Carolina Corporation Financial Ratios — BKSC

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	112.7	84.79	67.03	56.22	76.89	98	63.29	120.43	171.6	88.67	68.07	52.98	36.93	- -	72.47
Return on Assets (%)	1.04	1.11	1.22	1.24	1.27	1.29	1.14	1.58	1.67	1.32	1.11	1	0.85	- -	2.75
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	11.12	11.87	11.21	11.78	13.16	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	- -	100
EBITDA Margin (%)	1.58	38.16	41.12	42.32	43.66	40.08	1.07	1.01	1.14	2.07	1.94	1.71	1.84	- -	2.24
Operating Margin (%)	- -	36.73	39.82	41.04	42.49	39.01	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	-3,951.52	490.26	132.6	64.82	60.09	-26.21	-2,941.07	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.17	36.73	39.82	41.04	42.49	39.01	42.84	41.32	46.78	41.43	41.5	41.18	34.08	- -	40.15
Profit Margin (%)	24.02	25.55	27.49	28.22	28.94	29.51	27.21	35.62	36.06	31.76	31.75	31.75	27.08	- -	31.47
Net Income to Common Margin (%)	24.02	25.55	27.49	28.22	28.94	29.51	27.21	35.62	36.06	31.76	31.75	31.75	27.08	- -	31.47
Effective Tax Rate (%)	29.71	30.43	30.98	31.23	31.89	24.34	36.48	13.81	22.91	23.33	23.5	22.91	20.55	- -	21.62
Dvd Payout Ratio (%)	43.16	67.9	40.41	62.87	48.73	49.81	57.78	53.44	55.08	55.61	63.93	56.7	68.51	- -	56.27
Sustainable Growth Rate (%)	64.06	27.22	39.94	20.87	39.42	49.18	26.72	56.07	77.08	39.36	24.55	22.94	11.63	- -	31.69

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	- -	7	- -	- -	- -	- -	13	13	14	13	59	- -	11
ST Debt	- -	- -	- -	7	- -	- -	- -	- -	- -	- -	- -	- -	46	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	13	13	14	13	13	- -	11
Total Debt/EBITDA	- -	- -	- -	1.06	- -	- -	- -	- -	57.34	30.24	34.01	37.39	157.66	- -	20.36
Net Debt/EBITDA	-248.73	-5.67	-3.63	-0.52	-3.96	-3.68	-168.24	-162.47	-213.1	-114.78	-339.36	-77.3	64.58	- -	-91.31
Total Debt/EBIT	- -	- -	- -	1.09	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-5.89	-3.75	-0.53	-4.07	-3.78	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.05	1.59	2.06	2.35	1.02	1.6	1.98	0.62	1.32	1.63	1.64	2.14	2.48	- -	3.79
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	25.82	23.15	26.04	34.61	27.19	- -	19.04
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	69.2	59.42	55.8	48.96	17.17	- -	34.41
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	2.97	2.39	2.07	2.06	2.02	- -	1.99
Total Debt/Equity (%)	- -	- -	- -	18.99	- -	- -	- -	- -	25.82	23.15	26.04	34.61	124.89	- -	19.04
Total Debt/Capital (%)	- -	- -	- -	44.69	- -	- -	- -	- -	69.2	59.42	55.8	48.96	78.88	- -	34.41
Total Debt/Total Assets (%)	- -	- -	- -	1.9	- -	- -	- -	- -	2.97	2.39	2.07	2.06	9.28	- -	1.99
Net Debt to Equity	-162.73	-91.49	-63.69	-9.24	-74.57	-64.62	-76.04	-70.02	-95.95	-87.9	-259.86	-71.56	51.15	- -	-85.37
Net Debt/Capital (%)	107.19	119.93	146.36	-64.83	116.18	133.9	137.37	109.08	163.62	179.64	121.89	8,279.28	45.76	- -	284.15
EBITDA	- -	5	6	7	7	7	- -	- -	- -	- -	- -	- -	- -	1	1
EBITDA-CapEx	- -	5	6	6	7	7	- -	- -	-2	- -	- -	- -	- -	1	- -
Operating Income (Loss)	- -	5	6	6	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.05	1.59	2.06	2.35	1.02	1.6	1.98	0.62	1.32	1.63	1.64	2.14	2.48	- -	3.79
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	25.82	23.15	26.04	34.61	27.19	- -	19.04
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	69.2	59.42	55.8	48.96	17.17	- -	34.41
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	2.97	2.39	2.07	2.06	2.02	- -	1.99
Total Debt/Equity (%)	- -	- -	- -	18.99	- -	- -	- -	- -	25.82	23.15	26.04	34.61	124.89	- -	19.04
Total Debt/Capital (%)	- -	- -	- -	44.69	- -	- -	- -	- -	69.2	59.42	55.8	48.96	78.88	- -	34.41
Total Debt/Total Assets (%)	- -	- -	- -	1.9	- -	- -	- -	- -	2.97	2.39	2.07	2.06	9.28	- -	1.99
CFO/Total Liabilities	0.74	-2.03	6.13	0.66	1.98	1.62	2.03	2.43	1.13	0.06	2.79	1.54	0.84	- -	3.07
CFO/CapEx	5.82	-71.13	116.58	22.23	53.25	30.74	57.95	32.46	2.03	1.59	122.75	16.77	10.48	- -	37.57
Altman's Z-Score	0.15	0.22	0.27	0.25	0.25	0.29	0.21	0.21	0.22	0.17	0.16	0.15	0.07	- -	0.2

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	12.06	12.64	12.86	12.61	13.11	12.27	10.8	11.84	14.14	14	14.16	11.81	8.96	- -	25.34
Days Sales Outstanding	30.27	28.89	28.38	28.95	27.84	29.75	33.79	30.82	25.82	26.07	25.77	30.91	40.72	- -	14.4
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	46	48	71	66	79	103	96	100	104	89	113	91	- -	- -	86
- Cash & Cash Equivalents	52	31	22	10	29	26	33	32	49	48	140	28	22	- -	51
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	7	- -	- -	- -	- -	13	13	14	13	59	- -	11
Enterprise Value	-66	-42	-46	-51	-70	-43	-76	-51	-33	-82	-225	-194	-128	- -	-58
Total Capital	3	5	7	16	4	7	9	3	19	21	25	27	75	- -	33
Total Debt/Capital (%)	- -	- -	- -	44.69	- -	- -	- -	- -	69.2	59.42	55.8	48.96	78.88	- -	34.41
Total Debt / EV	- -	- -	- -	-0.14	- -	- -	- -	- -	-0.4	-0.16	-0.06	-0.07	-0.46	- -	-0.2
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	46	48	71	68	81	106	98	102	105	91	116	93	- -	- -	89
Diluted Enterprise Value	-6	17	49	64	52	79	65	70	69	55	-10	78	37	- -	49
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	13	14	15	16	17	18	18	19	20	20	21	21	20	- -	25
TTM EBITDA	- -	5	6	7	7	7	- -	- -	- -	- -	- -	- -	- -	1	1
TTM Operating Income	- -	5	6	6	7	7	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	2	-6	19	2	7	6	8	9	4	- -	17	9	5	- -	16
TTM Free Cash Flow to Firm	3	-6	19	2	7	6	8	10	7	- -	18	10	5	- -	16

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	17.4	-8.19	3.75	29.79	11.23	16.94	11.74	10.6	15.83	191.18	6.61	9.22	- -	- -	5.46
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-66	-42	-46	-51	-70	-43	-76	-51	-33	-82	-225	-194	-128	- -	-58
Low Price	7.39	8.34	8.86	11.67	12.03	12.77	15.77	16.75	17.32	11.43	15.98	14.7	9.52	10.56	12.99
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	14.32	13.01	17.36	15	16.15	19.66	19.59	14.47	14.17	13.71	16.81	13.68	- -	- -	10.83
Price/Earnings Average	14.93	13.85	14.73	15.35	15.12	16.31	19.98	15.44	14.07	14.23	16.39	14.77	- -	- -	10.14
Price/Earnings High	18.95	16.31	19.04	17.46	17.4	22.55	22.32	17.88	15.7	16.64	21.04	17.55	- -	- -	11.99
Price/Earnings Low	12.45	12.24	11.71	14.32	13.31	13.21	17.6	13.31	13.07	9.78	13.11	12.26	- -	- -	8.93
Price/Book Value	13.08	9.25	10.1	7.63	19.41	15.53	10.85	37.79	17.64	10.19	10.2	6.5	- -	- -	3.92
Price/Book Value Average	13.64	9.84	8.57	7.81	18.16	12.88	11.07	40.33	17.52	10.58	9.94	7.02	- -	- -	3.67
Price/Book Value High	17.31	11.6	11.08	8.89	20.91	17.81	12.37	46.69	19.55	12.37	12.76	8.34	- -	- -	4.35
Price/Book Value Low	11.37	8.7	6.81	7.29	15.99	10.44	9.75	34.76	16.27	7.27	7.95	5.83	- -	- -	3.24
Price/Tangible Book Value	1.43	1.41	2.04	1.79	2.02	2.54	2.25	2.2	2.03	1.61	2.1	2.35	- -	- -	1.42
Price/Tangible Book Value Average	1.49	1.5	1.73	1.84	1.89	2.11	2.29	2.35	2.01	1.67	2.05	2.53	- -	- -	1.33
Price/Tangible Book Value High	1.89	1.76	2.23	2.09	2.17	2.91	2.56	2.72	2.25	1.96	2.63	3.01	- -	- -	1.58
Price/Tangible Book Value Low	1.24	1.32	1.37	1.71	1.66	1.71	2.02	2.03	1.87	1.15	1.64	2.1	- -	- -	1.17
Price/Sales	3.44	3.32	4.77	4.23	4.67	5.8	5.33	5.15	5.11	4.36	5.34	4.34	- -	- -	3.41
Price/Sales Average	3.59	3.54	4.05	4.33	4.37	4.81	5.44	5.5	5.07	4.52	5.2	4.69	- -	- -	3.19
Price/Sales High	4.55	4.17	5.23	4.93	5.04	6.65	6.07	6.37	5.66	5.29	6.68	5.57	- -	- -	3.77
Price/Sales Low	2.99	3.13	3.22	4.04	3.85	3.9	4.79	4.74	4.71	3.11	4.16	3.89	- -	- -	2.81
Price/Cash Flow	20.39	-8.08	3.77	30.36	11.09	17.07	11.74	10.75	23.34	303.43	6.49	9.61	- -	- -	5.42
Price/Cash Flow Average	21.26	-8.59	3.2	31.07	10.38	14.17	11.97	11.47	23.18	314.96	6.33	10.37	- -	- -	5.07
Price/Cash Flow High	26.99	-10.13	4.14	35.35	11.95	19.58	13.37	13.28	25.86	368.16	8.12	12.33	- -	- -	6
Price/Cash Flow Low	17.73	-7.59	2.54	28.99	9.14	11.47	10.54	9.89	21.52	216.36	5.06	8.61	- -	- -	4.47
Price/Free Cash Flow Average	18.14	-8.72	3.18	30.49	10.51	14.05	11.98	11.31	15.72	198.45	6.45	9.96	- -	- -	5.11
Price/Free Cash Flow High	23.03	-10.27	4.11	34.69	12.09	19.42	13.38	13.09	17.54	231.97	8.28	11.83	- -	- -	6.05
Price/Free Cash Flow Low	15.13	-7.7	2.53	28.45	9.25	11.38	10.55	9.75	14.6	136.32	5.16	8.27	- -	- -	4.5
EV/Sales Average	- -	1.37	2.56	4.11	2.64	3.34	3.63	3.86	3.31	2.77	- -	4	1.82	- -	1.6
EV/Sales High	0.63	2	3.74	4.71	3.31	5.18	4.27	4.73	3.89	3.54	0.74	4.89	1.82	- -	2.19
EV/Sales Low	- -	0.96	1.73	3.82	2.12	2.42	2.98	3.1	2.94	1.36	- -	3.21	1.82	- -	1.22
EV/EBITDA Average	-21.28	3.6	6.22	9.72	6.06	8.33	338.51	383.14	291.29	133.88	-37.65	233.61	98.9	- -	71.64
EV/EBITDA High	40.01	5.25	9.1	11.13	7.57	12.92	397.83	469.16	343.04	170.78	38.3	285.14	98.9	- -	97.74
EV/EBITDA Low	-59.06	2.52	4.2	9.03	4.86	6.05	278.11	307.74	259.38	65.5	-91.26	187.19	98.9	- -	54.63
EV/EBIT Average	- -	3.74	6.42	10.02	6.22	8.56	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	5.46	9.4	11.48	7.78	13.27	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	2.62	4.34	9.32	4.99	6.21	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.5	8.87	13.14	12.22	14.6	19	17.55	18.21	18.78	16.03	20.5	16.4	15.02	13.18	15.75
High Price	11.25	11.12	14.41	14.23	15.73	21.79	20	22.5	20.81	19.45	25.65	21.04	17.15	14.27	17.45
Enterprise Value Average	-4	20	38	64	45	59	65	75	67	56	-16	84	37	- -	40
Enterprise Value High	8	29	56	73	56	92	77	92	79	72	16	102	37	- -	55
Enterprise Value Low	-12	14	26	60	36	43	54	60	60	28	-38	67	37	- -	31

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	5	5	5	5	5	5	5	6	6	6	6	6	5	- -	5
Diluted Weighted Avg Shares	5	5	5	6	6	6	6	6	6	6	6	6	- -	- -	6
Basic Weighted Avg Shares	5	5	5	5	5	5	5	6	6	6	6	6	- -	- -	5
Revenue per Share	2.47	2.67	2.75	2.89	3.12	3.27	3.29	3.53	3.68	3.68	3.84	3.78	- -	- -	4.62
EBITDA per Share	0.04	1.02	1.13	1.22	1.36	1.31	0.04	0.04	0.04	0.08	0.07	0.06	- -	- -	0.1
Operating Income per Share	- -	0.98	1.1	1.19	1.33	1.28	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.59	0.68	0.76	0.81	0.9	0.97	0.9	1.26	1.33	1.17	1.22	1.2	- -	- -	1.45
Basic EPS from Cont Ops	0.59	0.68	0.76	0.81	0.9	0.97	0.9	1.26	1.33	1.17	1.22	1.2	- -	- -	1.45
Diluted EPS, GAAP	0.59	0.68	0.76	0.79	0.88	0.94	0.88	1.24	1.31	1.14	1.19	1.18	- -	- -	1.41
Diluted EPS from Cont Ops	0.59	0.68	0.76	0.79	0.88	0.94	0.88	1.24	1.31	1.14	1.19	1.18	- -	- -	1.41
Dividend per Share	0.26	0.46	0.31	0.51	0.44	0.48	0.52	0.67	0.73	0.65	0.78	0.68	- -	- -	0.82
Cash Flow per Share	0.42	-1.1	3.48	0.4	1.32	1.11	1.5	1.69	0.8	0.05	3.16	1.71	- -	- -	2.91
Free Cash Flow per Basic Share	0.35	-1.11	3.45	0.38	1.29	1.08	1.47	1.64	0.41	0.02	3.13	1.61	- -	- -	2.83
Cash & Equivalents per Share	20.78	16.65	21.67	23.04	27.61	26.93	31.4	27.55	27.08	33.14	63.72	53.86	- -	- -	28.5
Book Value per Share	0.65	0.96	1.3	1.6	0.75	1.22	1.62	0.48	1.06	1.57	2.01	2.52	- -	- -	4.01
Tangible Book Value per Share	5.96	6.31	6.45	6.81	7.25	7.48	7.82	8.27	9.27	9.95	9.75	6.99	- -	- -	11.06

Bank of South Carolina Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)