BCSO (Bancorp Southern Indiana) Moat Score: 2/10 (As of Jun. 29, 2026)


BCSO Bancorp Southern Indiana BCSO
60 GF Score
Price $60.00
GF Value $71.81
! 4 Warning Signs
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What is Bancorp Southern Indiana Moat Score?

Bancorp Southern Indiana BCSO 60 Moat Score is 2 as of Jun. 29, 2026. 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 1,614 Banks companies, Bancorp Southern Indiana ranks better than 59.85% on this metric.

Bancorp Southern Indiana has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Bancorp Southern Indiana has No Moat: Bancorp Southern Indiana has limited competitive advantages with no significant market leadership or cost advantages. The company lacks strong brand strength, intellectual property, and regulatory barriers that would provide a durable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bancorp Southern Indiana might have No Moat - Very weak/transient advantages.

Bancorp Southern Indiana  (OTCPK:BCSO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bancorp Southern Indiana Moat Score Related Terms

BCSO vs IBTN, CZBT, FSMK: Moat Score Comparison

For the Banks - Diversified subindustry, Bancorp Southern Indiana's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bancorp Southern Indiana's Moat Score distribution charts can be found below:

* The bar in red indicates where Bancorp Southern Indiana's Moat Score falls into.


BCSO
60GF Score
Bancorp Southern Indiana BCSO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Bancorp Southern Indiana (BCSO) has a Moat Score of 2 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bancorp Southern Indiana ranks #648 out of 1614 companies in the Banks industry, placing it in the top 40.1%.
Is Bancorp Southern Indiana's Moat Score too high?
Bancorp Southern Indiana's current Moat Score is 2. Based on the distribution chart, Bancorp Southern Indiana ranks #648 out of 1614 companies in the Banks industry, which is above 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 Moat Score compare to IBTN and CZBT?
According to the Banks industry distribution chart, Bancorp Southern Indiana ranks #648 out of 1614 companies for Moat Score. This puts Bancorp Southern Indiana in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bancorp Southern Indiana's current Moat Score is 2. 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 Moat Score of 2. 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 Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current Moat Score is 2 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:

  • Moat Score: 2
  • GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
  • GF Score™: 60/100 with 4 warning signs

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 Business Description

Address 125 South Chestnut Street, P.O. Box 1001, Seymour, IN, USA, 47274
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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$60.00
Price
$71.81
GF Value