KSBI Stock Overview

Operates as the bank holding company for KS Bank, Inc. More details

KSBI fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 50.1% below our estimate of its fair value

Pays a reliable dividend of 2.09%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($55M)

My Notes

Capture your thoughts, links and company narrative

KS Bancorp, Inc. Competitors

Oregon Pacific Bancorp

OTCPK:ORPB

US$57.1m

Bank of Botetourt

OTCPK:BORT

US$63.2m

Potomac Bancshares

OTCPK:PTBS

US$66.1m

1ST SUMMIT BANCORP of Johnstown

OTCPK:FSMK

US$55.5m

Price History & Performance

Summary of share price highs, lows and changes for KS Bancorp
Historical stock prices
Current Share Price	US$49.75
52 Week High	US$54.00
52 Week Low	US$45.00
Beta	0.36
1 Month Change	2.05%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	-12.98%
5 Year Change	82.57%
Change since IPO	667.75%

Recent updates

Shareholder Returns

	KSBI	US Banks	US Market
7D	-0.9%	0.9%	-0.8%
1Y	n/a	41.1%	22.7%

Return vs Industry: Insufficient data to determine how KSBI performed against the US Banks industry.

Return vs Market: Insufficient data to determine how KSBI performed against the US Market.

Price Volatility

Is KSBI's price volatile compared to industry and market?
KSBI volatility
KSBI Average Weekly Movement	n/a
Banks Industry Average Movement	5.1%
Market Average Movement	6.4%
10% most volatile stocks in US Market	18.7%
10% least volatile stocks in US Market	3.2%

Stable Share Price: KSBI's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine KSBI's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1924	n/a	Earl Worley	www.ksbankinc.com

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.

KS Bancorp, Inc. Fundamentals Summary

How do KS Bancorp's earnings and revenue compare to its market cap?
KSBI fundamental statistics
Market cap	US$55.11m
Earnings (TTM)	US$6.16m
Revenue (TTM)	US$25.19m

9.0x

P/E Ratio

1.2x

P/B Ratio

Is KSBI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
KSBI income statement (TTM)
Revenue	US$25.19m
Cost of Revenue	US$0
Gross Profit	US$25.19m
Other Expenses	US$19.03m
Earnings	US$6.16m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	5.56
Gross Margin	100.00%
Net Profit Margin	24.44%
Debt/Equity Ratio	49.4%

How did KSBI perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

19%

Payout Ratio

Does KSBI pay a reliable dividends?

See KSBI dividend history and benchmarks

When do you need to buy KSBI by to receive an upcoming dividend?
KS Bancorp dividend dates
Ex Dividend Date	Feb 03 2025
Dividend Pay Date	Feb 11 2025
Days until Ex dividend	0 days
Days until Dividend pay date	8 days

Does KSBI pay a reliable dividends?

See KSBI dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/02 23:20
End of Day Share Price	2025/01/27 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

KS Bancorp, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution