Bancorp Southern IndianaBCSO 60 FCF Margin % is 19.52% as of Dec. 2025, which is at its 10-year median of 19.52. 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 1,509 Banks companies, Bancorp Southern Indiana ranks worse than 57.52% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's FCF Margin % 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.
Bancorp Southern Indiana (BCSO) has a FCF Margin % of 19.52% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bancorp Southern Indiana and its competitors. This is near median its historical median of 19.52. According to the industry distribution chart, Bancorp Southern Indiana ranks #868 out of 1509 companies in the Banks industry, placing it in the top 57.5%.
Is Bancorp Southern Indiana's FCF Margin % too high?
Bancorp Southern Indiana's current FCF Margin % of 19.52% is near median its 10-year median of 19.52. The Banks industry median FCF Margin % is 26.55. Bancorp Southern Indiana's value of 19.52% is 26.5% below this industry median. Based on the distribution chart, Bancorp Southern Indiana ranks #868 out of 1509 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to IBTN and CZBT?
According to the Banks industry distribution chart, Bancorp Southern Indiana ranks #868 out of 1509 companies for FCF Margin %. This places Bancorp Southern Indiana in the lower half of its industry. The industry median FCF Margin % is 26.55. Bancorp Southern Indiana's value of 19.52% is 26.5% below this benchmark. While the company's 10-year median is 19.52 vs. the industry median of 26.55, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,509 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current FCF Margin % of 19.52% is 26.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current FCF Margin % is 19.52%, which is near median its own 10-year median of 19.52. 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 FCF Margin % of 19.52%. 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 FCF Margin % is 19.52%, which is near median its 10-year median of 19.52 and 26.5% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current FCF Margin % is 19.52% 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:
FCF Margin %: 19.52% (near median its 10-year median of 19.52)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
Industry Position: 26.5% below the Banks median (#868 of 1509)
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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