Bancorp Southern IndianaBCSO 60 Dividend Payout Ratio is 0.26 as of Dec. 2025, which is 10% below its 10-year median of 0.29. 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 1,172 Banks companies, Bancorp Southern Indiana ranks better than 65.27% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Bancorp Southern Indiana's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.26.
The historical rank and industry rank for Bancorp Southern Indiana's Dividend Payout Ratio or its related term are showing as below:
BCSO'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.23 Med: 0.29 Max: 0.32
Current: 0.26
During the past 7 years, the highest Dividend Payout Ratio of Bancorp Southern Indiana was 0.32. The lowest was 0.23. And the median was 0.29.
BCSO's Dividend Payout Ratio is ranked better than 65.27% of 1172
companies
in the Banks industry
Industry Median: 0.32
vs BCSO: 0.26
During the past 7 years, the highest Trailing Annual Dividend Yield of Bancorp Southern Indiana was 3.67%. The lowest was 2.01%. And the median was 2.78%.
During the past 12 months, Bancorp Southern Indiana's average Dividends Per Share Growth Rate was 0.90% per year.
During the past 3 years, the average Dividends Per Share Growth Rate was 0.50% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was 5.00% per year.
During the past 7 years, the highest 3-Year average Dividends Per Share Growth Rate of Bancorp Southern Indiana was 10.90% per year. The lowest was 0.50% per year. And the median was 4.25% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Bancorp Southern Indiana (OTCPK:BCSO) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Bancorp Southern Indiana Dividend Payout Ratio Related Terms
Bancorp Southern Indiana Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for Bancorp Southern Indiana's Dividend Payout Ratio can be seen below:
* 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 Dividend Payout Ratio Chart
BCSO vs IBTN, CZBT, FSMK: Dividend Payout Ratio Comparison
For the Banks - Diversified subindustry, Bancorp Southern Indiana's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's Dividend Payout Ratio falls into.
Bancorp Southern Indiana Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
Bancorp Southern Indiana's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.26 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bancorp Southern Indiana and its competitors. This is 10% below median its historical median of 0.29. Over the past decade, Bancorp Southern Indiana's Dividend Payout Ratio has ranged from 0.23 to 0.32. According to the industry distribution chart, Bancorp Southern Indiana ranks #407 out of 1172 companies in the Banks industry, placing it in the top 34.7%.
Is Bancorp Southern Indiana's Dividend Payout Ratio too high?
Bancorp Southern Indiana's current Dividend Payout Ratio of 0.26 is 10% below median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.23 to a high of 0.32. The Banks industry median Dividend Payout Ratio is 0.32. Bancorp Southern Indiana's value of 0.26 is 18.8% below this industry median. Based on the distribution chart, Bancorp Southern Indiana ranks #407 out of 1172 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 Dividend Payout Ratio compare to IBTN and CZBT?
According to the Banks industry distribution chart, Bancorp Southern Indiana ranks #407 out of 1172 companies for Dividend Payout Ratio. This puts Bancorp Southern Indiana in the upper half of its industry. The industry median Dividend Payout Ratio is 0.32. Bancorp Southern Indiana's value of 0.26 is 18.8% below this benchmark. Historically, Bancorp Southern Indiana's own Dividend Payout Ratio has ranged from 0.23 to 0.32 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 0.32, 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,172 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current Dividend Payout Ratio of 0.26 is 18.8% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current Dividend Payout Ratio is 0.26, which is 10% below median its own 10-year median of 0.29. 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 Dividend Payout Ratio of 0.26. 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 Dividend Payout Ratio is 0.26, which is 10% below median its 10-year median of 0.29 and 18.8% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current Dividend Payout Ratio is 0.26 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:
Dividend Payout Ratio: 0.26 (10% below median its 10-year median of 0.29)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
Industry Position: 18.8% below the Banks median (#407 of 1172)
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
Get the complete analysis for BCSO
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BCSO has been successfully added to your 