Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.
Bancorp Southern Indiana Effective Interest Rate on Debt % Related Terms
Bancorp Southern Indiana Effective Interest Rate on Debt % Historical Data
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The historical data trend for Bancorp Southern Indiana's Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % Chart
BCSO vs IBTN, CZBT, FSMK: Effective Interest Rate on Debt % Comparison
For the Banks - Diversified subindustry, Bancorp Southern Indiana's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's Effective Interest Rate on Debt % falls into.
* 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is one times the annual (Dec. 2025) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 20.25% mean?
Bancorp Southern Indiana (BCSO) has a Effective Interest Rate on Debt % of 20.25% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bancorp Southern Indiana and its competitors.
Is Bancorp Southern Indiana's Effective Interest Rate on Debt % too high?
Bancorp Southern Indiana's current Effective Interest Rate on Debt % is 20.25%. 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 Effective Interest Rate on Debt % compare to IBTN and CZBT?
Bancorp Southern Indiana's Effective Interest Rate on Debt % of 20.25% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bancorp Southern Indiana and its competitors. Bancorp Southern Indiana's current Effective Interest Rate on Debt % is 20.25%. 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 Effective Interest Rate on Debt % of 20.25%. 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 Effective Interest Rate on Debt % is 20.25%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current Effective Interest Rate on Debt % is 20.25% 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:
Effective Interest Rate on Debt %: 20.25%
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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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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