Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Bancorp Southern Indiana's annualizedNet Income for the quarter that ended in Dec. 2025 was $8.28 Mil. Bancorp Southern Indiana's average total tangible assets for the quarter that ended in Dec. 2025 was $1,019.88 Mil. Therefore, Bancorp Southern Indiana's annualized Return-on-Tangible-Asset for the quarter that ended in Dec. 2025 was 0.81%.
The historical rank and industry rank for Bancorp Southern Indiana's Return-on-Tangible-Asset or its related term are showing as below:
BCSO'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.7 Med: 0.91 Max: 1.2
Current: 0.81
During the past 7 years, Bancorp Southern Indiana's highest Return-on-Tangible-Asset was 1.20%. The lowest was 0.70%. And the median was 0.91%.
BCSO's Return-on-Tangible-Asset is not ranked
in the Banks industry.
Industry Median: 0.99
vs BCSO: 0.81
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Bancorp Southern Indiana Return-on-Tangible-Asset Related Terms
Bancorp Southern Indiana Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Bancorp Southern Indiana's Return-on-Tangible-Asset 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.
BCSO vs IBTN, CZBT, FSMK: Return-on-Tangible-Asset Comparison
For the Banks - Diversified subindustry, Bancorp Southern Indiana's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.81% mean?
Bancorp Southern Indiana (BCSO) has a Return-on-Tangible-Asset of 0.81% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bancorp Southern Indiana and its competitors. This is 11% below median its historical median of 0.91. Over the past decade, Bancorp Southern Indiana's Return-on-Tangible-Asset has ranged from 0.70 to 1.20.
Is Bancorp Southern Indiana's Return-on-Tangible-Asset too high?
Bancorp Southern Indiana's current Return-on-Tangible-Asset of 0.81% is 11% below median its 10-year median of 0.91. Over the past 10 years, this metric has ranged from a low of 0.70 to a high of 1.20. The Banks industry median Return-on-Tangible-Asset is 0.99. Bancorp Southern Indiana's value of 0.81% is 18.2% below this industry median. 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 Return-on-Tangible-Asset compare to IBTN and CZBT?
Bancorp Southern Indiana's Return-on-Tangible-Asset of 0.81% can be compared against companies in the Banks industry. The industry median Return-on-Tangible-Asset is 0.99. Bancorp Southern Indiana's value of 0.81% is 18.2% below this benchmark. Historically, Bancorp Southern Indiana's own Return-on-Tangible-Asset has ranged from 0.70 to 1.20 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current Return-on-Tangible-Asset of 0.81% is 18.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current Return-on-Tangible-Asset is 0.81%, which is 11% below median its own 10-year median of 0.91. 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 Return-on-Tangible-Asset of 0.81%. 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 Return-on-Tangible-Asset is 0.81%, which is 11% below median its 10-year median of 0.91 and 18.2% below the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current Return-on-Tangible-Asset is 0.81% 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:
Return-on-Tangible-Asset: 0.81% (11% below median its 10-year median of 0.91)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
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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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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