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During the past 12 months, Bancorp Southern Indiana's average EPS without NRI Growth Rate was 22.80% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 4.60% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 0.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 7 years, the highest 3-Year average EPS without NRI Growth Rate of Bancorp Southern Indiana was 9.50% per year. The lowest was -8.60% per year. And the median was 2.05% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Bancorp Southern Indiana 3-Year EPS without NRI Growth Rate Related Terms
BCSO vs IBTN, CZBT, FSMK: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Diversified subindustry, Bancorp Southern Indiana's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bancorp Southern Indiana 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's 3-Year EPS without NRI Growth Rate falls into.
Bancorp Southern Indiana 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 4.60% mean?
Bancorp Southern Indiana (BCSO) has a 3-Year EPS without NRI Growth Rate of 4.60% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Bancorp Southern Indiana and its competitors. This is 124% above median its historical median of 2.05.
Is Bancorp Southern Indiana's 3-Year EPS without NRI Growth Rate too high?
Bancorp Southern Indiana's current 3-Year EPS without NRI Growth Rate of 4.60% is 124% above median its 10-year median of 2.05. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Bancorp Southern Indiana's value of 4.60% is 38.7% below this industry median. 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 3-Year EPS without NRI Growth Rate compare to IBTN and CZBT?
Bancorp Southern Indiana's 3-Year EPS without NRI Growth Rate of 4.60% can be compared against companies in the Banks industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Bancorp Southern Indiana's value of 4.60% is 38.7% below this benchmark. While the company's 10-year median is 2.05 vs. the industry median of 7.50, Bancorp Southern Indiana has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,407 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current 3-Year EPS without NRI Growth Rate of 4.60% is 38.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Bancorp Southern Indiana and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current 3-Year EPS without NRI Growth Rate is 4.60%, which is 124% above median its own 10-year median of 2.05. 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 3-Year EPS without NRI Growth Rate of 4.60%. 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 3-Year EPS without NRI Growth Rate is 4.60%, which is 124% above median its 10-year median of 2.05 and 38.7% below the Banks industry median of 7.50. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current 3-Year EPS without NRI Growth Rate is 4.60% 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:
3-Year EPS without NRI Growth Rate: 4.60% (124% above median its 10-year median of 2.05)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
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 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
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