KS Bancorp, Inc. (KSBI)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 18 | 21 | 24 | 23 | 26 | 32 | 35 | - |
| Operating profit | $m | 12 | 13 | ||||||
| Net profit | $m | 4 | 6 | 8 | 6 | 6 | 9 | 10 | - |
| EPS reported | $ | 8.44 | 9.46 | ||||||
| Operating cashflow per share | $ | 10.24 | 0.00 | ||||||
| Capex per share | $ | 2.07 | 0.00 | ||||||
| FCF per share | $ | 8.17 | 0.00 | ||||||
| Free cash flow | $m | 9 | 0 | ||||||
| Net debt | $m | -25 | -14 | ||||||
| Book value equity | $m | 56 | 61 | ||||||
| Book value per share | $ | 50.41 | 54.71 | ||||||
| Number of shares | m | 1.11 | 1.11 | ||||||
| DPS (TTM paid) | $ | 1.10 | 1.22 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.02 | 8.82 | ||||||
| P/B LTM | x | 1.18 | 1.08 | ||||||
| P/S LTM | x | 2.04 | 1.87 | ||||||
| P/FCF LTM | x | 7.25 | 0.00 | ||||||
| EV/EBITDA LTM | x | 3.13 | 3.03 | ||||||
| EV/Sales LTM | x | 0.86 | 0.65 | ||||||
| Earnings Yield LTM | % | +14.25% | +11.34% | ||||||
| FCF Yield | % | +13.79% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +16.76% | +18.41% | ||||||
| ROIC | % | +12.28% | +1.13% | ||||||
| Operating margin | % | +25.50% | +25.46% | ||||||
| Gross margin | % | +67.88% | +65.70% | ||||||
| FCF/Sales | % | +19.14% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +51.80% | +70.14% | ||||||
| Sales Growth YoY | % | +24.99% | +36.27% | ||||||
| Net Income Growth YoY | % | +51.99% | +70.26% | ||||||
| FCF Growth | % | +82.68% | -100.00% | ||||||
| Operating Profit Growth | % | +48.45% | +65.04% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.86% | +1.49% | ||||||
| Dividend Growth | % | +6.80% | +18.45% | ||||||
| Payout Ratio | % | +13.03% | 0.00% | ||||||
| FCF/Debt | x | 0.80 | 0.00 | ||||||
| Net Debt/EBITDA | x | -1.93 | -4.21 | ||||||
| EBIT/Net interest | x | 0.79 | 0.78 | ||||||
| Net debt/market cap | % | +17.14% | +13.07% | ||||||
| Net debt/Equity | x | -0.45 | -0.24 | ||||||
| Gross debt/equity | x | 0.20 | 0.40 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
KS Bancorp, Inc. functions as the parent entity for KS Bank, Inc., providing an extensive array of localized banking solutions to both individual and business clientele. For personal banking, it offers various deposit accounts such as checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. Its lending portfolio includes personal loans for vehicles, marine craft, recreational activities, student financing, debt consolidation, deposit/investment-secured loans, and home equity options like loans and lines of credit. Credit card services are also available. Commercial clients can access business checking, savings, and payroll card accounts. The bank supports businesses with construction financing, including speculative and pre-sale builder loans, as well as general commercial builder loans. Additional commercial lending options cover equipment financing, facility acquisition, debt refinancing, and real estate. Businesses can also utilize lines of credit for managing seasonal cash flow, inventory, and accounts receivable. Beyond core banking, KS Bancorp delivers a suite of specialized services, such as merchant processing, payroll administration, comprehensive cash management, and remote deposit capture. Its mortgage offerings facilitate home purchases, refinancing, and combined construction-to-permanent loans. Furthermore, the company provides robust wealth management services, encompassing investment guidance, financial and retirement planning, trust and estate administration, and exclusive private banking. The company conducts its operations through nine full-service branch offices strategically located across North Carolina in Kenly, Goldsboro, Wilson, Garner, Selma, Clayton, Wendell, Four Oaks, and Smithfield. Established in 1924, KS Bancorp, Inc. maintains its corporate headquarters in Smithfield, North Carolina.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
KS Bancorp, Inc. functions as the parent entity for KS Bank, Inc., providing an extensive array of localized banking solutions to both individual and business clientele. For personal banking, it offers various deposit accounts such as checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. Its lending portfolio includes personal loans for vehicles, marine craft, recreational activities, student financing, debt consolidation, deposit/investment-secured loans, and home equity options like loans and lines of credit. Credit card services are also available. Commercial clients can access business checking, savings, and payroll card accounts. The bank supports businesses with construction financing, including speculative and pre-sale builder loans, as well as general commercial builder loans. Additional commercial lending options cover equipment financing, facility acquisition, debt refinancing, and real estate. Businesses can also utilize lines of credit for managing seasonal cash flow, inventory, and accounts receivable. Beyond core banking, KS Bancorp delivers a suite of specialized services, such as merchant processing, payroll administration, comprehensive cash management, and remote deposit capture. Its mortgage offerings facilitate home purchases, refinancing, and combined construction-to-permanent loans. Furthermore, the company provides robust wealth management services, encompassing investment guidance, financial and retirement planning, trust and estate administration, and exclusive private banking. The company conducts its operations through nine full-service branch offices strategically located across North Carolina in Kenly, Goldsboro, Wilson, Garner, Selma, Clayton, Wendell, Four Oaks, and Smithfield. Established in 1924, KS Bancorp, Inc. maintains its corporate headquarters in Smithfield, North Carolina.
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