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Bancorp. of Southern Indiana BCSO

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Price alert · BCSO

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65.00 USD 0.00 0.00%

At close · Oct 30

65.00 Day range 65.00
52.00 52-week range 65.00
YTD
+10.17%
1 year
+25.00%
Open
65.00
Prev close
65.00
Mkt cap
87.67M
Vol
100
Avg vol
20
EPS
6.13
P/E
10.60
More statistics
Low
65.00
High
65.00

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Financial health

Altman Z-Score

0.20 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 3
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 3
  • P/B 1

Valuation

P/E 9.6×
FY 2016: 14.8×FY 2017: 17.6×FY 2018: 14.2×FY 2019: 11.0×FY 2020: 8.2×FY 2021: 8.8×FY 2022: 9.3×FY 2023: 9.9×FY 2024: 9.5×FY 2025: 9.6×
FY 2016 5y median 9.5× FY 2025
P/S 1.2×
FY 2016: 2.4×FY 2017: 2.6×FY 2018: 2.3×FY 2019: 2.0×FY 2020: 1.6×FY 2021: 2.1×FY 2022: 1.9×FY 2023: 1.8×FY 2024: 1.6×FY 2025: 1.2×
FY 2016 5y median 1.8× FY 2025
P/B 1.0×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 1.2×FY 2019: 1.0×FY 2020: 0.9×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 0.0×
FY 2016: 14.8×FY 2017: 17.5×FY 2018: 14.1×FY 2019: 11.0×FY 2020: -18.2×FY 2021: 10.3×FY 2022: 15.9×FY 2023: 142×FY 2024: 7.8×FY 2025: 0.0×
FY 2016 5y median 10.3× FY 2025
EV/EBITDA 19.0×
FY 2016: 27.6×FY 2017: 19.3×FY 2018: 22.7×FY 2019: 14.8×FY 2020: 5.5×FY 2021: 1.3×FY 2022: 9.0×FY 2023: 18.3×FY 2024: 17.8×FY 2025: 19.0×
FY 2016 5y median 17.8× FY 2025
EV/Sales 2.8×
FY 2016: 5.1×FY 2017: 4.1×FY 2018: 4.3×FY 2019: 3.1×FY 2020: 1.5×FY 2021: 0.4×FY 2022: 2.5×FY 2023: 4.8×FY 2024: 4.5×FY 2025: 2.8×
FY 2016 5y median 2.8× FY 2025
FCF Yield 0.0%
FY 2016: 6.8%FY 2017: 5.7%FY 2018: 7.1%FY 2019: 9.1%FY 2020: -5.5%FY 2021: 9.7%FY 2022: 6.3%FY 2023: 0.7%FY 2024: 12.8%FY 2025: 0.0%
FY 2016 5y median 6.3% FY 2025

Profitability

Gross Margin 65.0%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 65.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 14.9%
FY 2016: 19.3%FY 2017: 21.4%FY 2018: 19.2%FY 2019: 21.0%FY 2020: 23.0%FY 2021: 28.9%FY 2022: 23.3%FY 2023: 44.3%FY 2024: 42.5%FY 2025: 14.9%
FY 2016 5y median 28.9% FY 2025
Net Margin 12.2%
FY 2016: 16.2%FY 2017: 14.9%FY 2018: 16.5%FY 2019: 17.9%FY 2020: 19.5%FY 2021: 24.3%FY 2022: 19.8%FY 2023: 18.2%FY 2024: 17.1%FY 2025: 12.2%
FY 2016 5y median 18.2% FY 2025
ROE 10.0%
FY 2016: 6.8%FY 2017: 6.6%FY 2018: 8.2%FY 2019: 9.5%FY 2020: 10.7%FY 2021: 12.6%FY 2022: 11.3%FY 2023: 9.7%FY 2024: 9.2%FY 2025: 10.0%
FY 2016 5y median 10.0% FY 2025
ROIC 0.8%
FY 2016: 0.8%FY 2017: 0.7%FY 2018: 0.9%FY 2019: 1.1%FY 2020: 1.2%FY 2021: 1.4%FY 2022: 5.1%FY 2023: 1.4%FY 2024: 69.0%FY 2025: 0.8%
FY 2016 5y median 1.4% FY 2025
ROA 0.8%
FY 2016: 0.6%FY 2017: 0.6%FY 2018: 0.8%FY 2019: 0.9%FY 2020: 1.0%FY 2021: 1.1%FY 2022: 0.9%FY 2023: 0.7%FY 2024: 0.7%FY 2025: 0.8%
FY 2016 5y median 0.8% FY 2025

Growth (YoY)

Revenue 71.7%
FY 2016: 5.0%FY 2017: 11.1%FY 2018: 18.8%FY 2019: 18.3%FY 2020: 15.1%FY 2021: 2.6%FY 2022: 0.2%FY 2023: 2.0%FY 2024: 5.8%FY 2025: 71.7%
FY 2016 FY 2025
Operating Income -40.1%
FY 2016: -2.8%FY 2017: 23.6%FY 2018: 6.2%FY 2019: 29.5%FY 2020: 26.3%FY 2021: 28.7%FY 2022: -19.3%FY 2023: 93.9%FY 2024: 1.7%FY 2025: -40.1%
FY 2016 FY 2025
EPS (diluted) 23.3%
FY 2016: -1.2%FY 2017: 2.1%FY 2018: 31.4%FY 2019: 28.3%FY 2020: 25.5%FY 2021: 27.7%FY 2022: -18.0%FY 2023: -6.0%FY 2024: -1.4%FY 2025: 23.3%
FY 2016 FY 2025
Free Cash Flow -100.0%
FY 2016: -1.5%FY 2017: 2.3%FY 2018: 31.4%FY 2019: 28.1%FY 2020: -156.6%FY 2021: 341.8%FY 2022: -43.9%FY 2023: -88.8%FY 2024: 1598.1%FY 2025: -100.0%
FY 2016 FY 2025

Financial Health

Current Ratio 1.9×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.9×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 1.9×
FY 2016: 0.4×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 1.9×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 1.6×
FY 2016: 1.5×FY 2017: 0.9×FY 2018: 1.3×FY 2019: 1.1×FY 2020: 0.9×FY 2021: 0.8×FY 2022: 0.9×FY 2023: 1.9×FY 2024: 1.5×FY 2025: 1.6×
FY 2016 5y median 1.5× FY 2025
Net Debt / EBITDA 11.1×
FY 2016: 14.6×FY 2017: 7.1×FY 2018: 10.5×FY 2019: 5.4×FY 2020: -0.4×FY 2021: -5.0×FY 2022: 2.3×FY 2023: 11.3×FY 2024: 11.4×FY 2025: 11.1×
FY 2016 5y median 11.1× FY 2025
Interest Coverage 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 1.3×FY 2020: 1.9×FY 2021: 3.2×FY 2022: 2.1×FY 2023: 1.2×FY 2024: 0.7×FY 2025: 0.5×
FY 2016 5y median 1.2× FY 2025

Dividends

Dividend Yield 2.9%
FY 2016: 2.7%FY 2017: 2.2%FY 2018: 2.2%FY 2019: 1.5%FY 2020: 3.3%FY 2021: 2.7%FY 2022: 3.1%FY 2023: 3.1%FY 2024: 3.4%FY 2025: 2.9%
FY 2016 5y median 3.1% FY 2025
Payout Ratio 28.1%
FY 2016: 39.3%FY 2017: 38.8%FY 2018: 31.4%FY 2019: 16.2%FY 2020: 27.3%FY 2021: 23.7%FY 2022: 29.3%FY 2023: 31.2%FY 2024: 31.7%FY 2025: 28.1%
FY 2016 5y median 29.3% FY 2025

Annual · latest fiscal year ends 2025-12-31