Bancorp. of Southern Indiana (BCSO)
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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 | 31 | 33 | 32 | 23 | 16 | 46 | 34 | - |
| Operating profit | $m | 10 | 34 | ||||||
| Net profit | $m | 7 | 9 | 7 | 7 | 7 | 8 | 34 | - |
| EPS reported | $ | 6.13 | 6.30 | ||||||
| Operating cashflow per share | $ | 0.00 | 0.00 | ||||||
| Capex per share | $ | 0.00 | 0.00 | ||||||
| FCF per share | $ | 0.00 | 0.00 | ||||||
| Free cash flow | $m | 0 | 26 | ||||||
| Net debt | $m | 111 | 111 | ||||||
| Book value equity | $m | 83 | 83 | ||||||
| Book value per share | $ | 61.37 | 61.09 | ||||||
| Number of shares | m | 1.35 | 1.36 | ||||||
| DPS (TTM paid) | $ | 1.73 | 1.73 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.62 | 9.82 | ||||||
| P/B LTM | x | 0.96 | 0.96 | ||||||
| P/S LTM | x | 1.75 | 2.31 | ||||||
| P/FCF LTM | x | 0.00 | 3.03 | ||||||
| EV/EBITDA LTM | x | 18.98 | 5.54 | ||||||
| EV/Sales LTM | x | 2.82 | 5.58 | ||||||
| Earnings Yield LTM | % | +10.40% | +10.18% | ||||||
| FCF Yield | % | 0.00% | +32.96% | ||||||
| Quality | |||||||||
| ROE | % | +9.98% | +41.58% | ||||||
| ROIC | % | +0.78% | +3.23% | ||||||
| Operating margin | % | +14.85% | +100.00% | ||||||
| Gross margin | % | +64.98% | +100.00% | ||||||
| FCF/Sales | % | 0.00% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +23.34% | +26.76% | ||||||
| Sales Growth YoY | % | +184.66% | +115.13% | ||||||
| Net Income Growth YoY | % | +22.74% | +411.21% | ||||||
| FCF Growth | % | -100.00% | +224.32% | ||||||
| Operating Profit Growth | % | -40.05% | +105.24% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.92% | +2.88% | ||||||
| Dividend Growth | % | +8.81% | +8.81% | ||||||
| Payout Ratio | % | 0.00% | +28.08% | ||||||
| FCF/Debt | x | 0.00 | 0.20 | ||||||
| Net Debt/EBITDA | x | 11.06 | 3.23 | ||||||
| EBIT/Net interest | x | 0.45 | 0.00 | ||||||
| Net debt/market cap | % | +1.62% | +1.60% | ||||||
| Net debt/Equity | x | 1.34 | 1.34 | ||||||
| Gross debt/equity | x | 1.56 | 1.56 | ||||||
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
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.
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.
Bancorp. of Southern Indiana (BCSO)
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.
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.
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