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 9.8% 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 BreakdownBeta
How Bancorp. of Southern Indiana makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 36 | 7 | 0 | 0 |
| 31 Dec 22 | 32 | 7 | 0 | 0 |
| 31 Dec 21 | 33 | 9 | 0 | 0 |
| 31 Dec 20 | 30 | 7 | 0 | 0 |
| 31 Dec 19 | 26 | 6 | 0 | 0 |
| 31 Dec 18 | 22 | 4 | 0 | 0 |
| 31 Dec 17 | 19 | 3 | 0 | 0 |
| 31 Dec 16 | 17 | 3 | 0 | 0 |
| 31 Dec 15 | 16 | 3 | 0 | 0 |
| 31 Dec 14 | 17 | 4 | 0 | 0 |
| 31 Dec 13 | 17 | 4 | 0 | 0 |
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 (-12.2%).
Return on Equity
High ROE: BCSO's Return on Equity (9.7%) is considered low.