BCSO (Bancorp Southern Indiana) Change In Receivables: $-3.38 Mil (TTM As of Dec. 2025)

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BCSO Bancorp Southern Indiana BCSO
60 GF Score
Price $60.00
GF Value $71.81
! 4 Warning Signs
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What is Bancorp Southern Indiana Change In Receivables?

Bancorp Southern Indiana BCSO 60 Change In Receivables is $-3.38 Mil as of Dec. 2025. GuruFocus rates BCSO with a GF Score™ of 60/100 and a GF Value™ of $71.81. The stock has 4 warning signs investors should review.

Bancorp Southern Indiana's change in receivables for the quarter that ended in Dec. 2025 was $-3.38 Mil. It means Bancorp Southern Indiana's Accounts Receivable increased by $3.38 Mil from Dec. 2024 to Dec. 2025 .

Bancorp Southern Indiana's change in receivables for the fiscal year that ended in Dec. 2025 was $-3.38 Mil. It means Bancorp Southern Indiana's Accounts Receivable increased by $3.38 Mil from Dec. 2024 to Dec. 2025 .

Bancorp Southern Indiana's Accounts Receivable for the quarter that ended in Dec. 2025 was $0.00 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Bancorp Southern Indiana's Days Sales Outstanding for the six months ended in Dec. 2025 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Bancorp Southern Indiana's liquidation value for the six months ended in Dec. 2025 was $-960.83 Mil.


Bancorp Southern Indiana  (OTCPK:BCSO) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Bancorp Southern Indiana's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/45.605*91
=0.00

2. In Ben Graham's calculation of liquidation value, Bancorp Southern Indiana's accounts receivable are only considered to be worth 75% of book value:

Bancorp Southern Indiana's liquidation value for the quarter that ended in Dec. 2025 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=23.514-984.345+0.75 * 0+0.5 * 0
=-960.83

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Bancorp Southern Indiana Change In Receivables Related Terms


Bancorp Southern Indiana Change In Receivables Historical Data

* Premium members only.

The historical data trend for Bancorp Southern Indiana's Change In Receivables can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bancorp Southern Indiana Change In Receivables Chart

Bancorp Southern Indiana Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial -2.00 -0.47 -0.89 0.24 -3.38

Bancorp Southern Indiana Semi-Annual Data
Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables Get a 7-Day Free Trial -2.00 -0.47 -0.89 0.24 -3.38
BCSO
60GF Score
Bancorp Southern Indiana BCSO
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
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Bancorp Southern Indiana Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. Change In Receivables for the trailing twelve months (TTM) ended in Dec. 2025 was $-3.38 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of $-3.38 Mil mean?
Bancorp Southern Indiana (BCSO) has a Change In Receivables of $-3.38 Mil as of Dec. 2025. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Bancorp Southern Indiana and its competitors.
Is Bancorp Southern Indiana's Change In Receivables too high?
Bancorp Southern Indiana's current Change In Receivables is $-3.38 Mil. Overall, Bancorp Southern Indiana has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Bancorp Southern Indiana's Change In Receivables compare to IBTN and CZBT?
Bancorp Southern Indiana's Change In Receivables of $-3.38 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Bancorp Southern Indiana and its competitors. Bancorp Southern Indiana's current Change In Receivables is $-3.38 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancorp Southern Indiana stock overvalued right now?
Bancorp Southern Indiana (BCSO) has a current Change In Receivables of $-3.38 Mil. The stock's GF Value™ is $71.81, compared to a current price of $60.00 — trading 16.4% below its estimated fair value. The current Change In Receivables is $-3.38 Mil. Bancorp Southern Indiana's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current Change In Receivables is $-3.38 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bancorp Southern Indiana (BCSO) Overvalued in 2026?

Based on GuruFocus' analysis, Bancorp Southern Indiana stock appears to be undervalued. The current stock price of $60.00 is trading 16.4% below its estimated GF Value™ of $71.81.

Key valuation signals for BCSO:

  • Change In Receivables: $-3.38 Mil
  • GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
  • GF Score™: 60/100 with 4 warning signs

No single metric tells the full story. See the BCSO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bancorp Southern Indiana Business Description

Address 125 South Chestnut Street, P.O. Box 1001, Seymour, IN, USA, 47274
Bancorp Southern Indiana is a full-service commercial bank. The company provides business banking; loans; treasury management and other services. The bank recently launched the Lending Portal for customers to have easy access to apply for a consumer lending product such as auto loans, personal loans, or other non-real estate products.
60GF Score

Get the complete analysis for BCSO

Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$60.00
Price
$71.81
GF Value