Bank of South Carolina Corporation — Cyborg Score 6/10

Strategic Profile

The bank offers deposit products including non-interest-bearing demand accounts, NOW accounts, money market accounts, time deposits, savings accounts, and certificates of deposit, as well as secured and unsecured commercial loans, commercial real estate construction loans, consumer construction loans, and home equity lines of credit. As a deeply regional institution with 85 employees, the bank maintains a niche position in the Charleston-area market.

Cyborg Score Rationale

Bank of South Carolina is a stable, dividend-paying regional bank with a long operational history and modest but consistent earnings. The low stock volatility (0.08 beta), attractive dividend yield (5.56%), and reasonable P/E ratio (11.06) reflect solid fundamentals. However, micro-cap status, limited geographic footprint, and minimal growth visibility constrain the upside.

Top Insights

• Strong dividend commitment: 121+ consecutive quarterly dividends paid since 1987 with current yield of 5.56%
• Micro-cap position: ~$90M market capitalization with 85 employees and concentrated geographic presence in lowcountry South Carolina
• Low volatility profile: Beta of 0.08 and modest stock price swings indicate defensive characteristics attractive to income investors
• Legacy stability: Established in 1986 and consistently profitable with recent quarter net income of ~$2M

Named Competitors

• Carolina Bank Holdings — Regional bank focused on mid-Atlantic markets
• Renasant Bank — Regional bank serving Southeast and Mid-South regions
• Wells Fargo — Large national bank competitor

Open the full interactive Bank of South Carolina Corporation report

Strategic research, analyst-debate audio, full Cyborg Score breakdown across 11 dimensions, and saved-company audio playlists.