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The historical rank and industry rank for Bancorp Southern Indiana's EV-to-OCF or its related term are showing as below:
BCSO'
s EV-to-OCF Range Over the Past 10 Years
Min: -43.93 Med: 16.16 Max: 19.35
Current: 16.14
During the past 7 years, the highest EV-to-OCF of Bancorp Southern Indiana was 19.35. The lowest was -43.93. And the median was 16.16.
BCSO's EV-to-OCF is not ranked
in the Banks industry.
Industry Median: 3.98
vs BCSO: 16.14
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Bancorp Southern Indiana's PE Ratio (TTM) for today is calculated as:
Bancorp Southern Indiana's share price for today is $60.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Bancorp Southern Indiana's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was $6.130.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bancorp Southern Indiana EV-to-OCF Related Terms
Bancorp Southern Indiana EV-to-OCF Historical Data
* 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.
For the Banks - Diversified subindustry, Bancorp Southern Indiana's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's EV-to-OCF falls into.
Bancorp Southern Indiana's current Enterprise Value is $177.41 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Bancorp Southern Indiana's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2025 was $10.99 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.
Bancorp Southern Indiana (BCSO) has a EV-to-OCF of 16.14 as of Aug. 13, 2026. This is near median its historical median of 16.16.
Is Bancorp Southern Indiana's EV-to-OCF too high?
Bancorp Southern Indiana's current EV-to-OCF of 16.14 is near median its 10-year median of 16.16. The Banks industry median EV-to-OCF is 3.98. Bancorp Southern Indiana's value of 16.14 is 305.5% above 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 EV-to-OCF compare to IBTN and CZBT?
Bancorp Southern Indiana's EV-to-OCF of 16.14 can be compared against companies in the Banks industry. The industry median EV-to-OCF is 3.98. Bancorp Southern Indiana's value of 16.14 is 305.5% above this benchmark. While the company's 10-year median is 16.16 vs. the industry median of 3.98, Bancorp Southern Indiana has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current EV-to-OCF of 16.14 is 305.5% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current EV-to-OCF is 16.14, which is near median its own 10-year median of 16.16. 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 EV-to-OCF of 16.14. 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 EV-to-OCF is 16.14, which is near median its 10-year median of 16.16 and 305.5% above the Banks industry median of 3.98. 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 EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current EV-to-OCF is 16.14 as of Aug. 13, 2026. 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:
EV-to-OCF: 16.14 (near median its 10-year median of 16.16)
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
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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