Bancorp. of Southern Indiana Past Earnings Performance

Past criteria checks 2/6

Bancorp. of Southern Indiana has been growing earnings at an average annual rate of 8.4%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 9.1% per year. Bancorp. of Southern Indiana's return on equity is 9.7%, and it has net margins of 18.7%.

Key information

8.4%

Earnings growth rate

8.5%

EPS growth rate

Banks Industry Growth	11.2%
Revenue growth rate	9.1%
Return on equity	9.7%
Net Margin	18.7%
Last Earnings Update	31 Dec 2023

Recent past performance updates

No updates

Recent updates

No updates

Revenue & Expenses Breakdown

How Bancorp. of Southern Indiana makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:BCSO Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings
31 Dec 23	36	7
31 Dec 22	32	7
31 Dec 21	33	9
31 Dec 20	30	7
31 Dec 19	26	6
31 Dec 18	22	4
31 Dec 17	19	3
31 Dec 16	17	3
31 Dec 15	16	3
31 Dec 14	17	4
31 Dec 13	17	4

Quality Earnings: BCSO has high quality earnings.

Growing Profit Margin: BCSO's current net profit margins (18.7%) are lower than last year (22.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BCSO's earnings have grown by 8.4% per year over the past 5 years.

Accelerating Growth: BCSO's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BCSO had negative earnings growth (-6.1%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).

Return on Equity

High ROE: BCSO's Return on Equity (9.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 14:28
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

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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