Bancorp Southern IndianaBCSO 60 OCF Margin % is 24.10% as of Dec. 2025, which is at its 10-year median of 24.10. 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 1,505 Banks companies, Bancorp Southern Indiana ranks worse than 57.61% 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's OCF 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 OCF Margin % of 24.10% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bancorp Southern Indiana and its competitors. This is near median its historical median of 24.10. According to the industry distribution chart, Bancorp Southern Indiana ranks #867 out of 1505 companies in the Banks industry, placing it in the top 57.6%.
Is Bancorp Southern Indiana's OCF Margin % too high?
Bancorp Southern Indiana's current OCF Margin % of 24.10% is near median its 10-year median of 24.10. The Banks industry median OCF Margin % is 29.44. Bancorp Southern Indiana's value of 24.10% is 18.1% below this industry median. Based on the distribution chart, Bancorp Southern Indiana ranks #867 out of 1505 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 OCF Margin % compare to IBTN and CZBT?
According to the Banks industry distribution chart, Bancorp Southern Indiana ranks #867 out of 1505 companies for OCF Margin %. This places Bancorp Southern Indiana in the lower half of its industry. The industry median OCF Margin % is 29.44. Bancorp Southern Indiana's value of 24.10% is 18.1% below this benchmark. While the company's 10-year median is 24.10 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current OCF Margin % of 24.10% is 18.1% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current OCF Margin % is 24.10%, which is near median its own 10-year median of 24.10. 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 OCF Margin % of 24.10%. 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 OCF Margin % is 24.10%, which is near median its 10-year median of 24.10 and 18.1% below the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current OCF Margin % is 24.10% 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:
OCF Margin %: 24.10% (near median its 10-year median of 24.10)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
Industry Position: 18.1% below the Banks median (#867 of 1505)
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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