KS Bancorp, Inc. Logo

KS Bancorp, Inc.

KSBI

(3.0)
Stock Price

48,75 USD

0.89% ROA

13.91% ROE

9.32x PER

Market Cap.

55.665.945,00 USD

25.84% DER

2.03% Yield

15.93% NPM

KS Bancorp, Inc. Stock Analysis

KS Bancorp, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

KS Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

2 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Dividend Growth

The company has demonstrated exceptional dividend growth over the past five years, consistently increasing payouts to shareholders year after year.

4 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

5 ROE

ROE in an average range (13.3%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.76%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (317) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 PBV

The stock's high Price-to-Book Value (P/BV) ratio (3.9x) suggests it's overvalued, potentially making it an expensive investment.

10 DER

The company has a high debt to equity ratio (314%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

11 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

KS Bancorp, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

KS Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Buy

KS Bancorp, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

KS Bancorp, Inc. Revenue
Year Revenue Growth
1993 0
1994 100.000 100%
1995 100.000 0%
1996 269.011 62.83%
1997 181.285 -48.39%
1998 274.437 33.94%
1999 5.143.414 94.66%
2000 6.937.686 25.86%
2001 6.651.880 -4.3%
2002 7.874.978 15.53%
2003 8.335.431 5.52%
2004 8.696.780 4.15%
2005 9.947.000 12.57%
2006 11.215.000 11.31%
2007 12.200.000 8.07%
2012 12.243.000 0.35%
2013 11.774.000 -3.98%
2014 12.075.000 2.49%
2015 12.478.000 3.23%
2016 16.892.000 26.13%
2017 17.999.000 6.15%
2018 19.675.000 8.52%
2019 20.490.000 3.98%
2020 21.614.502 5.2%
2021 22.681.379 4.7%
2022 25.329.310 10.45%
2023 32.620.762 22.35%
2024 38.580.000 15.45%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

KS Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1993 0
1994 0 0%
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

KS Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1993 1.600.000
1994 800.000 -100%
1995 1.000.000 20%
1996 1.123.758 11.01%
1997 1.340.730 16.18%
1998 1.549.916 13.5%
1999 1.872.707 17.24%
2000 2.221.607 15.7%
2001 2.454.475 9.49%
2002 2.789.246 12%
2003 3.491.859 20.12%
2004 3.854.999 9.42%
2005 4.235.000 8.97%
2006 4.689.000 9.68%
2007 5.156.000 9.06%
2012 792.000 -551.01%
2013 828.000 4.35%
2014 896.000 7.59%
2015 925.000 3.14%
2016 762.000 -21.39%
2017 785.000 2.93%
2018 835.000 5.99%
2019 892.000 6.39%
2020 608.057 -46.7%
2021 574.181 -5.9%
2022 660.540 13.07%
2023 0 0%
2024 976.000 100%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

KS Bancorp, Inc. EBITDA
Year EBITDA Growth
1993 900.000
1994 2.000.000 55%
1995 1.700.000 -17.65%
1996 1.414.462 -20.19%
1997 2.088.008 32.26%
1998 2.177.203 4.1%
1999 2.165.307 -0.55%
2000 3.542.907 38.88%
2001 2.573.241 -37.68%
2002 2.457.514 -4.71%
2003 2.658.804 7.57%
2004 2.326.217 -14.3%
2005 2.292.000 -1.49%
2006 3.033.000 24.43%
2007 3.640.000 16.68%
2012 -1.703.000 313.74%
2013 -825.000 -106.42%
2014 -545.000 -51.38%
2015 116.000 569.83%
2016 96.000 -20.83%
2017 -68.000 241.18%
2018 10.000 780%
2019 -4.627.000 100.22%
2020 -310.000 -1392.58%
2021 678.172 145.71%
2022 809.464 16.22%
2023 773.321 -4.67%
2024 4 -19332925%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

KS Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1993 0
1994 100.000 100%
1995 100.000 0%
1996 269.011 62.83%
1997 181.285 -48.39%
1998 274.437 33.94%
1999 5.143.414 94.66%
2000 6.937.686 25.86%
2001 6.651.880 -4.3%
2002 7.874.978 15.53%
2003 8.335.431 5.52%
2004 8.696.780 4.15%
2005 9.947.000 12.57%
2006 11.215.000 11.31%
2007 12.200.000 8.07%
2012 12.243.000 0.35%
2013 11.774.000 -3.98%
2014 12.075.000 2.49%
2015 12.478.000 3.23%
2016 16.892.000 26.13%
2017 17.999.000 6.15%
2018 19.675.000 8.52%
2019 20.490.000 3.98%
2020 21.614.502 5.2%
2021 22.681.379 4.7%
2022 25.329.310 10.45%
2023 32.621.000 22.35%
2024 38.580.000 15.45%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

KS Bancorp, Inc. Net Profit
Year Net Profit Growth
1993 600.000
1994 1.300.000 53.85%
1995 1.100.000 -18.18%
1996 825.317 -33.28%
1997 1.221.100 32.41%
1998 1.258.443 2.97%
1999 1.163.327 -8.18%
2000 1.993.112 41.63%
2001 1.374.458 -45.01%
2002 1.335.546 -2.91%
2003 1.401.336 4.69%
2004 1.289.597 -8.66%
2005 1.688.000 23.6%
2006 2.189.000 22.89%
2007 2.612.000 16.19%
2012 531.000 -391.9%
2013 788.000 32.61%
2014 994.000 20.72%
2015 1.416.000 29.8%
2016 2.109.000 32.86%
2017 2.059.000 -2.43%
2018 3.542.000 41.87%
2019 3.642.000 2.75%
2020 4.371.204 16.68%
2021 6.094.187 28.27%
2022 7.557.000 19.36%
2023 6.209.000 -21.71%
2024 6.628.000 6.32%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

KS Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1993 0
1994 0 0%
1995 0 0%
1996 1 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 100%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 100%
2005 1 0%
2006 2 0%
2007 2 50%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 2 0%
2017 2 0%
2018 3 66.67%
2019 3 0%
2020 4 0%
2021 6 40%
2022 7 16.67%
2023 6 -20%
2024 6 16.67%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

KS Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1993 1.100.000
1994 1.300.000 15.38%
1995 600.000 -116.67%
1996 31.669 -1794.6%
1997 1.130.349 97.2%
1998 458.788 -146.38%
1999 1.558.946 70.57%
2000 292.152 -433.61%
2001 800.084 63.48%
2002 104.877 -662.88%
2003 347.613 69.83%
2004 1.818.250 80.88%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 2.889.685 100%
2020 4.185.584 30.96%
2021 6.458.604 35.19%
2022 7.140.340 9.55%
2023 4.686.608 -52.36%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

KS Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1993 1.100.000
1994 1.300.000 15.38%
1995 1.200.000 -8.33%
1996 790.028 -51.89%
1997 1.470.417 46.27%
1998 639.572 -129.91%
1999 2.117.813 69.8%
2000 915.738 -131.27%
2001 2.344.709 60.94%
2002 405.681 -477.97%
2003 3.598.742 88.73%
2004 2.237.889 -60.81%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 4.074.826 100%
2020 5.522.729 26.22%
2021 7.355.202 24.91%
2022 8.372.016 12.15%
2023 7.171.767 -16.74%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

KS Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1993 0
1994 0 0%
1995 600.000 100%
1996 758.359 20.88%
1997 340.068 -123%
1998 180.784 -88.11%
1999 558.867 67.65%
2000 623.586 10.38%
2001 1.544.625 59.63%
2002 300.804 -413.5%
2003 3.251.129 90.75%
2004 419.639 -674.74%
2005 0 0%
2006 0 0%
2007 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 1.185.141 100%
2020 1.337.145 11.37%
2021 896.598 -49.14%
2022 1.231.676 27.21%
2023 2.485.159 50.44%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

KS Bancorp, Inc. Equity
Year Equity Growth
1993 14.100.000
1994 14.500.000 2.76%
1995 13.900.000 -4.32%
1996 13.721.039 -1.3%
1997 14.606.085 6.06%
1998 15.715.723 7.06%
1999 15.441.925 -1.77%
2000 15.842.574 2.53%
2001 16.799.313 5.7%
2002 17.510.591 4.06%
2003 18.576.864 5.74%
2004 18.919.557 1.81%
2005 15.613.000 -21.18%
2006 17.311.000 9.81%
2007 17.970.000 3.67%
2012 25.322.000 29.03%
2013 24.339.000 -4.04%
2014 21.768.000 -11.81%
2015 22.908.000 4.98%
2016 24.391.000 6.08%
2017 26.303.000 7.27%
2018 22.125.000 -18.88%
2019 26.827.000 17.53%
2020 32.020.970 16.22%
2021 36.644.766 12.62%
2022 32.235.965 -13.68%
2023 40.477.418 20.36%
2024 43.521.000 6.99%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

KS Bancorp, Inc. Assets
Year Assets Growth
1993 82.900.000
1994 82.300.000 -0.73%
1995 88.300.000 6.8%
1996 100.840.036 12.44%
1997 113.977.631 11.53%
1998 130.892.480 12.92%
1999 138.948.144 5.8%
2000 152.297.212 8.77%
2001 163.890.344 7.07%
2002 191.058.774 14.22%
2003 201.516.012 5.19%
2004 236.867.549 14.92%
2005 261.437.000 9.4%
2006 286.764.000 8.83%
2007 315.874.000 9.22%
2012 314.939.000 -0.3%
2013 305.447.000 -3.11%
2014 318.451.000 4.08%
2015 337.434.000 5.63%
2016 359.697.000 6.19%
2017 373.618.000 3.73%
2018 400.415.000 6.69%
2019 403.657.000 0.8%
2020 485.827.834 16.91%
2021 571.225.088 14.95%
2022 546.350.091 -4.55%
2023 613.596.065 10.96%
2024 668.804.000 8.25%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

KS Bancorp, Inc. Liabilities
Year Liabilities Growth
1993 0
1994 0 0%
1995 3.000.000 100%
1996 4.583.927 34.55%
1997 8.755.012 47.64%
1998 6.958.238 -25.82%
1999 6.000.000 -15.97%
2000 15.916.863 62.3%
2001 17.296.590 7.98%
2002 35.108.682 50.73%
2003 182.939.148 80.81%
2004 217.947.992 16.06%
2005 245.824.000 11.34%
2006 269.453.000 8.77%
2007 297.904.000 9.55%
2012 289.617.000 -2.86%
2013 281.108.000 -3.03%
2014 296.683.000 5.25%
2015 314.526.000 5.67%
2016 335.306.000 6.2%
2017 347.315.000 3.46%
2018 378.290.000 8.19%
2019 376.830.000 -0.39%
2020 453.806.864 16.96%
2021 534.580.322 15.11%
2022 514.114.126 -3.98%
2023 573.118.647 10.3%
2024 625.283.000 8.34%

KS Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
32.36
Net Income per Share
5.39
Price to Earning Ratio
9.32x
Price To Sales Ratio
1.55x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
1.28
EV to Sales
0.69
EV Over EBITDA
-13.85
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.11
FreeCashFlow Yield
0
Market Cap
0,06 Bil.
Enterprise Value
0,02 Bil.
Graham Number
69.04
Graham NetNet
-544.99

Income Statement Metrics

Net Income per Share
5.39
Income Quality
0
ROE
0.15
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.77
EBT Per Ebit
0.67
Ebit per Revenue
0.31
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.31
Pretax Profit Margin
0.21
Net Profit Margin
0.16

Dividends

Dividend Yield
0.02
Dividend Yield %
2.03
Payout Ratio
0
Dividend Per Share
1.02

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.25
Return on Tangible Assets
0.01
Days Sales Outstanding
26.48
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
13.78
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
37,74
Book Value per Share
39,29
Tangible Book Value per Share
39.29
Shareholders Equity per Share
39.29
Interest Debt per Share
18.12
Debt to Equity
0.26
Debt to Assets
0.02
Net Debt to EBITDA
17.5
Current Ratio
138.23
Tangible Asset Value
0,04 Bil.
Net Current Asset Value
-0,58 Bil.
Invested Capital
57688000
Working Capital
0,04 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-47749000
Debt to Market Cap
0.2

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

KS Bancorp, Inc. Dividends
Year Dividends Growth
2000 1
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 0%
2007 1 0%
2008 1 0%
2009 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

KS Bancorp, Inc. Profile

About KS Bancorp, Inc.

KS Bancorp, Inc. operates as the bank holding company for KS Bank, Inc. that provides a range of community banking services to consumers and businesses. It offers personal deposit accounts, such as checking, savings, money market, and individual retirement accounts, as well as certificates of deposit; loan products, including vehicle, boat and marine, recreational, deposit/investment secured, student, debt consolidation, and home equity loans, as well as home equity lines of credit; and credit cards. The company also provides business checking and savings, and payroll card accounts; construction loans, such as builders' speculative and pre-sale and commercial builder loans; commercial loans, including equipment, facilities purchase, debt refinancing, and real estate loans; and seasonal cash needs, inventory financing, and receivables financing lines of credit. In addition, it offers merchant, payroll, cash management, and remote deposit services; and mortgage services, including home purchase, home refinance, construction/permanent loans. Further, the company provides wealth management services comprising investment management, financial and retirement planning, trust and estate, and private banking services. It operates through nine full service branch offices located in Kenly, Goldsboro, Wilson, Garner, Selma, Clayton, Wendell, Four Oaks, and Smithfield, North Carolina. The company was incorporated in 1924 and is headquartered in Smithfield, North Carolina.

CEO
Mr. Earl W. Worley Jr.
Employee
0
Address
1031 North Brightleaf Boulevard
Smithfield, 27577

KS Bancorp, Inc. Executives & BODs

KS Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Earl W. Worley Jr.
President, Chief Executive Officer & Director
70
2 Mr. H. Geoffery Kokiko
Executive Vice President & Chief Banking Officer
70
3 Ms. Joy B. Watson
Corporate Secretary
70
4 Mr. Dit L. Breault
Chief Operations Officer
70
5 Denise W. Elliott
Corporate Secretary
70
6 Mr. William Charles Clarke
Senior Vice President & Senior VP of KS Bank Inc
70
7 Mr. John A. Parker
Executive Vice President & Chief Credit Officer
70
8 Mr. Roger K. Thomas
Executive Vice President & Chief Wealth Officer
70
9 Ms. Regina Johnson Smith
Executive Vice President & Chief Financial Officer
70
10 Ms. Tracy McKinley
Executive Vice President & Chief Information Officer
70

KS Bancorp, Inc. Competitors