OTC · Banks - Diversified

Bancorp. of Southern Indiana (BCSO) Stock

$60.00 +0.00% OTC: BCSO Financial Services

Bancorp. of Southern Indiana (BCSO) serves as the parent organization for Jackson County Bank, which delivers a comprehensive array of banking and financial services throughout Indiana.

Valuation

MetricValue
Price$60.00
Market Cap$80.92M
P/E Ratio9.82
P/B Ratio0.98
P/S Ratio2.40
EPS (TTM)$6.11
52-Week High$77.00
52-Week Low$52.00
Dividend Yield1.12%

Financials & Margins

MetricValue
ROE40.69%
ROA3.16%
ROCE3.19%
Gross Margin100.00%
Operating Margin100.00%
Net Margin100.00%
Debt/Equity1.56
Current Ratio1.94

Annual Financials (USD)

Metric20212022202320242025
Revenue$37.0M$37.0M$37.0M$39.0M$68.0M
Operating Profit$11.0M$9.0M$17.0M$17.0M$10.0M
Net Profit$9.0M$7.0M$7.0M$7.0M$8.0M
EPS$6.54$5.36$5.04$4.97$6.13
Op Margin28.9%23.3%44.3%42.5%14.8%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$783.0M$819.0M$953.0M$982.0M$1.1B
Total Liabilities$713.0M$755.0M$883.0M$909.0M$984.0M
Cash$115.0M$37.0M$24.0M$0$18.0M
Borrowings$53.0M$61.0M$134.0M$114.0M$129.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$9.0M$8.0M$10.0M$9.0M$0
Investing Cash Flow$-27.0M$-43.0M$-154.0M$-37.0M$0
Financing Cash Flow$79.0M$36.0M$52.0M$46.0M$0
Net Cash Flow$55.0M$-89.0M$-13.0M$-4.0M$0
Free Cash Flow$8.0M$4.0M$0$8.0M$0

Valuation & Return Ratios

MetricValue
PEG Ratio0.81
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y3.23%
Return 3Y31.44%
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
CCVSCitizens Commerce Bancshares, Inc. $15.50 +0.00% $61.82M 0.00%
CFGWCommunity Financial Group, Inc. $44.00 +8.51% 78.57 $67.99M 0.00%
CNUNCommunity Bancshares, Inc. $75.00 +0.00% 10.20 $98.09M 0.00%
CZNBCitizens Bancorp (Nevada City, CA) $0.00 0.00 $67.86M 0.00%
FISB1st Capital Bancorp $14.00 +0.72% 21.88 $78.48M 0.00%

About Bancorp. of Southern Indiana

Bancorp. of Southern Indiana (BCSO) serves as the parent organization for Jackson County Bank, which delivers a comprehensive array of banking and financial services throughout Indiana. Customers can access fundamental deposit options, including checking, savings, youth, and individual retirement accounts. The bank also facilitates convenient remote and night deposit services, in addition to providing debit and credit cards. Its robust lending solutions cover diverse needs, offering home equity, consumer, commercial real estate, construction, term, and agricultural loans. Furthermore, they provide traditional mortgages, flexible lines of credit, and letters of credit. Beyond these core services, Jackson County Bank extends specialized financial support, such as investment management, trust and estate administration, guardianship, escrow agent functions, wealth management, treasury and funds management, wire transfers, and merchant services. For enhanced accessibility, it also supports modern mobile, telephone, and online banking platforms. The institution's operations span across Jackson, Bartholomew, Monroe, Lawrence, and Jennings Counties. Bancorp. of Southern Indiana, which was founded in 1900, is headquartered in Seymour, Indiana.

Bancorp. of Southern Indiana is headquartered in US.

Bancorp. of Southern Indiana (BCSO) stock trades at $60.00 with a market capitalization of $80.92M. The stock is valued at a price-to-earnings (P/E) ratio of 9.82, price-to-book of 0.98, price-to-sales of 2.40. Over the past 52 weeks the stock has ranged between $52.00 and $77.00, and currently trades 22.1% below its 52-week high. It pays a dividend yielding 1.12%.

On profitability, Bancorp. of Southern Indiana generates a return on equity (ROE) of 40.69% — well above the market average, a sign of a high-quality business, return on capital employed of 3.19%, an operating margin of 100.00%, a net profit margin of 100.00%.

Official website: www.jcbank.com

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