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During the past 12 months, Bancorp Southern Indiana's average EPS without NRIGrowth Rate was 22.80% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 4.60% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 0.10% per year.
During the past 7 years, Bancorp Southern Indiana's highest 3-Year average EPS without NRI Growth Rate was 9.50% per year. The lowest was -8.60% per year. And the median was 2.05% per year.
Bancorp Southern Indiana (OTCPK:BCSO) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Bancorp Southern Indiana Earnings per Share (Diluted) Related Terms
Bancorp Southern Indiana Earnings per Share (Diluted) Historical Data
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The historical data trend for Bancorp Southern Indiana's Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
BCSO vs IBTN, CZBT, FSMK: Earnings per Share (Diluted) Comparison
For the Banks - Diversified subindustry, Bancorp Southern Indiana's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's PE Ratio distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's PE Ratio falls into.
Bancorp Southern Indiana Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Bancorp Southern Indiana's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
For stock reported annually, GuruFocus uses latest annual data as the TTM data. Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $6.13
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $6.13 mean?
Bancorp Southern Indiana (BCSO) has a Earnings per Share (Diluted) of $6.13 as of Dec. 2025. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Bancorp Southern Indiana and its competitors.
Is Bancorp Southern Indiana's Earnings per Share (Diluted) too high?
Bancorp Southern Indiana's current Earnings per Share (Diluted) is $6.13. The Banks industry median Earnings per Share (Diluted) is 7.30. Bancorp Southern Indiana's value of $6.13 is 16% 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 Earnings per Share (Diluted) compare to IBTN and CZBT?
Bancorp Southern Indiana's Earnings per Share (Diluted) of $6.13 can be compared against companies in the Banks industry. The industry median Earnings per Share (Diluted) is 7.30. Bancorp Southern Indiana's value of $6.13 is 16% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,412 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current Earnings per Share (Diluted) of $6.13 is 16% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current Earnings per Share (Diluted) is $6.13. 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 Earnings per Share (Diluted) of $6.13. 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 Earnings per Share (Diluted) is $6.13 and 16% below the Banks industry median of 7.30. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current Earnings per Share (Diluted) is $6.13 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:
Earnings per Share (Diluted): $6.13
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
Get the complete analysis for BCSO
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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