This small capital member of the Regional Banks Industry from Columbia, SC has declared a cash dividend of 17 cents per unit of stock for the second quarter in succession. The stock price has been $36 at the end of the first trading week between end April and the start of May 2008. This is very close to the 52-week high of $38. This is a creditable performance considering the state of the financial sector over the past six months.

The management has beaten the trend of the sector to which it belongs through excellence in marketing. It has a clear customer focus, and identifies closely with the local communities in the areas where it operates. It has a full range of products and services for individuals and for enterprises in the area. The bank is also very current in terms of technology, with comprehensive Internet banking facilities. Bank staff maintains a personal touch with each client. The corporation aims to stay at the top spot for its Industry in South Carolina by providing the best services. It has invested steadily in acquiring deep customer insights, and operates by helping people and businesses achieve their genuine objectives. Employees are empowered and skilled in designing mortgage plans to suit individual needs and capacities.

You do not need to be a customer or live in South Carolina to invest in the stock of this very professionally run financial institution. The Price to Earnings Ratio is 15.41, institutions own just over a quarter of the stock, business has grown by 17% over the past five years, and the Net Profit Margin has averaged 19.53% while Return on Equity has been 12.39% during this period.

Let us hear your thoughts below: