Bancorp Southern IndianaBCSO 60 EV-to-FCF is 19.93 as of Jun. 29, 2026, which is 12% above its 10-year median of 17.74. 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. Among 1,196 Banks companies, Bancorp Southern Indiana ranks worse than 82.02% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Bancorp Southern Indiana's Enterprise Value is $177.41 Mil.
Bancorp Southern Indiana's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $8.90 Mil. Therefore, Bancorp Southern Indiana's EV-to-FCF for today is 19.93.
The historical rank and industry rank for Bancorp Southern Indiana's EV-to-FCF or its related term are showing as below:
BCSO'
s EV-to-FCF Range Over the Past 10 Years
Min: -21.83 Med: 17.74 Max: 246.58
Current: 19.93
During the past 7 years, the highest EV-to-FCF of Bancorp Southern Indiana was 246.58. The lowest was -21.83. And the median was 17.74.
BCSO's EV-to-FCF is ranked worse than 82.02% of 1196
companies
in the Banks industry
Industry Median: 6.555
vs BCSO: 19.93
EV-to-FCF 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-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Bancorp Southern Indiana EV-to-FCF Related Terms
Bancorp Southern Indiana EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's EV-to-FCF 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 Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was $8.90 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-FCF of 19.93 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bancorp Southern Indiana and its competitors. This is 12% above median its historical median of 17.74. According to the industry distribution chart, Bancorp Southern Indiana ranks #981 out of 1196 companies in the Banks industry, placing it in the top 82%.
Is Bancorp Southern Indiana's EV-to-FCF too high?
Bancorp Southern Indiana's current EV-to-FCF of 19.93 is 12% above median its 10-year median of 17.74. The Banks industry median EV-to-FCF is 6.56. Bancorp Southern Indiana's value of 19.93 is 204% above this industry median. Based on the distribution chart, Bancorp Southern Indiana ranks #981 out of 1196 companies in the Banks industry, which is in the bottom quartile relative to peers. 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-FCF compare to IBTN and CZBT?
According to the Banks industry distribution chart, Bancorp Southern Indiana ranks #981 out of 1196 companies for EV-to-FCF. This places Bancorp Southern Indiana in the lower half of its industry. The industry median EV-to-FCF is 6.56. Bancorp Southern Indiana's value of 19.93 is 204% above this benchmark. While the company's 10-year median is 17.74 vs. the industry median of 6.56, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current EV-to-FCF of 19.93 is 204% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current EV-to-FCF is 19.93, which is 12% above median its own 10-year median of 17.74. 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-FCF of 19.93. 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-FCF is 19.93, which is 12% above median its 10-year median of 17.74 and 204% above the Banks industry median of 6.56. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current EV-to-FCF is 19.93 as of Jun. 29, 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-FCF: 19.93 (12% above median its 10-year median of 17.74)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
Industry Position: 204% above the Banks median (#981 of 1196)
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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