How does BCSO's PE Ratio compare to its peers?

BCSO is good value based on its Price-To-Earnings Ratio (9.3x) compared to the peer average (10x).

How does BCSO's PE Ratio compare vs other companies in the US Banks Industry?

BCSO is good value based on its Price-To-Earnings Ratio (9.3x) compared to the US Banks industry average (12.4x).

What is BCSO's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate BCSO's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of BCSO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

BCSO ($47) is trading below our estimate of [[fair value]] ($87.41)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

BCSO Stock Overview

Operates as the bank holding company for Jackson County Bank that provides various banking products and services in Indiana. More details

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

Rewards

Trading at 46.2% below our estimate of its fair value

Pays a reliable dividend of 3.34%

Risk Analysis

Shares are highly illiquid

Does not have a meaningful market cap ($63M)

Latest financial reports are more than 6 months old

My Notes

Capture your thoughts, links and company narrative

Bancorp. of Southern Indiana Competitors

Bank of Botetourt

OTCPK:BORT

US$63.2m

Potomac Bancshares

OTCPK:PTBS

US$68.3m

Peak Bancorp

OTCPK:IDFB

US$64.5m

Skyline Bankshares

OTCPK:SLBK

US$68.9m

Price History & Performance

Summary of share price highs, lows and changes for Bancorp. of Southern Indiana
Historical stock prices
Current Share Price	US$47.00
52 Week High	US$85.00
52 Week Low	US$47.00
Beta	0.20
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	110.45%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	BCSO	US Banks	US Market
7D	0%	-3.5%	-2.7%
1Y	n/a	29.1%	23.4%

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

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

Price Volatility

Is BCSO's price volatile compared to industry and market?
BCSO volatility
BCSO Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.9%
10% least volatile stocks in US Market	3.2%

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

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

About the Company

Founded	Employees	CEO	Website
1900	n/a	n/a	www.jcbank.com

Bancorp. of Southern Indiana operates as the bank holding company for Jackson County Bank that provides various banking products and services in Indiana. It offers checking, savings, youth, and individual retirement accounts; remote and night deposit services; and debit and credit cards. The company also provides home equity, consumer, commercial real estate, construction, term, and agricultural loans; mortgages; lines of credit; and letters of credit.

Bancorp. of Southern Indiana Fundamentals Summary

How do Bancorp. of Southern Indiana's earnings and revenue compare to its market cap?
BCSO fundamental statistics
Market cap	US$63.49m
Earnings (TTM)	US$6.81m
Revenue (TTM)	US$36.42m

9.3x

P/E Ratio

0.9x

P/B Ratio

Is BCSO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BCSO income statement (TTM)
Revenue	US$36.42m
Cost of Revenue	US$0
Gross Profit	US$36.42m
Other Expenses	US$29.61m
Earnings	US$6.81m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	5.04
Gross Margin	100.00%
Net Profit Margin	18.70%
Debt/Equity Ratio	189.1%

How did BCSO perform over the long term?

See historical performance and comparison

Dividends

3.3%

Current Dividend Yield

31%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 02:18
End of Day Share Price	2024/11/29 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

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

Bancorp. of Southern Indiana 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