Bancorp Southern IndianaBCSO 60 PB Ratio is 0.98 as of Jun. 29, 2026, which is 7% below its 10-year median of 1.05. 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 1,519 Banks companies, Bancorp Southern Indiana ranks better than 57.27% on this metric.
The historical rank and industry rank for Bancorp Southern Indiana's PB Ratio or its related term are showing as below:
BCSO'
s PB Ratio Range Over the Past 10 Years
Min: 0.79 Med: 1.05 Max: 1.2
Current: 0.98
During the past 7 years, Bancorp Southern Indiana's highest PB Ratio was 1.20. The lowest was 0.79. And the median was 1.05.
BCSO's PB Ratio is ranked better than 57.27% of 1519
companies
in the Banks industry
Industry Median: 1.09
vs BCSO: 0.98
During the past 12 months, Bancorp Southern Indiana's average Book Value Per Share Growth Rate was 13.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 8.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.30% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Bancorp Southern Indiana was 8.90% per year. The lowest was 1.60% per year. And the median was 3.00% per year.
Back to Basics: PB Ratio
Bancorp Southern Indiana (OTCPK:BCSO) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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 PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's PB Ratio distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Bancorp Southern Indiana (BCSO) has a PB Ratio of 0.98 as of Jun. 29, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bancorp Southern Indiana and its competitors. This is near median its historical median of 1.05. Over the past decade, Bancorp Southern Indiana's PB Ratio has ranged from 0.79 to 1.20. According to the industry distribution chart, Bancorp Southern Indiana ranks #649 out of 1519 companies in the Banks industry, placing it in the top 42.7%.
Is Bancorp Southern Indiana's PB Ratio too high?
Bancorp Southern Indiana's current PB Ratio of 0.98 is near median its 10-year median of 1.05. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 1.20. The Banks industry median PB Ratio is 1.09. Bancorp Southern Indiana's value of 0.98 is 10.1% below this industry median. Based on the distribution chart, Bancorp Southern Indiana ranks #649 out of 1519 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 PB Ratio compare to IBTN and CZBT?
According to the Banks industry distribution chart, Bancorp Southern Indiana ranks #649 out of 1519 companies for PB Ratio. This puts Bancorp Southern Indiana in the upper half of its industry. The industry median PB Ratio is 1.09. Bancorp Southern Indiana's value of 0.98 is 10.1% below this benchmark. Historically, Bancorp Southern Indiana's own PB Ratio has ranged from 0.79 to 1.20 over the past decade. While the company's 10-year median is 1.05 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,519 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current PB Ratio of 0.98 is 10.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current PB Ratio is 0.98, which is near median its own 10-year median of 1.05. 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 PB Ratio of 0.98. 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 PB Ratio is 0.98, which is near median its 10-year median of 1.05 and 10.1% below the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current PB Ratio is 0.98 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:
PB Ratio: 0.98 (near median its 10-year median of 1.05)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
Industry Position: 10.1% below the Banks median (#649 of 1519)
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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