Bancorp Southern IndianaBCSO 60 Net Margin % is 18.14% as of Dec. 2025, which is 15% below its 10-year median of 21.29. 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 1,530 Banks companies, Bancorp Southern Indiana ranks worse than 74.71% on this metric.
The historical rank and industry rank for Bancorp Southern Indiana's Net Margin % or its related term are showing as below:
BCSO'
s Net Margin % Range Over the Past 10 Years
Min: 17.08 Med: 21.29 Max: 26.67
Current: 18.15
BCSO's Net Margin % is ranked worse than 74.71% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs BCSO: 18.15
Bancorp Southern Indiana (OTCPK:BCSO) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Bancorp Southern Indiana Net Margin % Related Terms
Bancorp Southern Indiana Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's Net 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 Net Margin % of 18.14% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Bancorp Southern Indiana and its competitors. This is 15% below median its historical median of 21.29. Over the past decade, Bancorp Southern Indiana's Net Margin % has ranged from 17.08 to 26.67. According to the industry distribution chart, Bancorp Southern Indiana ranks #1143 out of 1530 companies in the Banks industry, placing it in the top 74.7%.
Is Bancorp Southern Indiana's Net Margin % too high?
Bancorp Southern Indiana's current Net Margin % of 18.14% is 15% below median its 10-year median of 21.29. Over the past 10 years, this metric has ranged from a low of 17.08 to a high of 26.67. The Banks industry median Net Margin % is 26.85. Bancorp Southern Indiana's value of 18.14% is 32.4% below this industry median. Based on the distribution chart, Bancorp Southern Indiana ranks #1143 out of 1530 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 Net Margin % compare to IBTN and CZBT?
According to the Banks industry distribution chart, Bancorp Southern Indiana ranks #1143 out of 1530 companies for Net Margin %. This places Bancorp Southern Indiana in the lower half of its industry. The industry median Net Margin % is 26.85. Bancorp Southern Indiana's value of 18.14% is 32.4% below this benchmark. Historically, Bancorp Southern Indiana's own Net Margin % has ranged from 17.08 to 26.67 over the past decade. While the company's 10-year median is 21.29 vs. the industry median of 26.85, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current Net Margin % of 18.14% is 32.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current Net Margin % is 18.14%, which is 15% below median its own 10-year median of 21.29. 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 Net Margin % of 18.14%. 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 Net Margin % is 18.14%, which is 15% below median its 10-year median of 21.29 and 32.4% below the Banks industry median of 26.85. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current Net Margin % is 18.14% 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:
Net Margin %: 18.14% (15% below median its 10-year median of 21.29)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
Industry Position: 32.4% below the Banks median (#1143 of 1530)
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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