Bancorp Southern IndianaBCSO 60 Return-on-Tangible-Equity is 11.30% as of Dec. 2025, which is at its 10-year median of 11.30. GuruFocus rates BCSO with a GF Scoreâ„¢ of 60/100 and a GF Valueâ„¢ of $71.81. The stock has 4 warning signs investors should review. Among 1,525 Banks companies, Bancorp Southern Indiana ranks better than 51.15% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Bancorp Southern Indiana's annualized net income for the quarter that ended in Dec. 2025 was $8.28 Mil. Bancorp Southern Indiana's average shareholder tangible equity for the quarter that ended in Dec. 2025 was $73.25 Mil. Therefore, Bancorp Southern Indiana's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 11.30%.
The historical rank and industry rank for Bancorp Southern Indiana's Return-on-Tangible-Equity or its related term are showing as below:
BCSO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 10.14 Med: 11.3 Max: 13.9
Current: 11.3
During the past 7 years, Bancorp Southern Indiana's highest Return-on-Tangible-Equity was 13.90%. The lowest was 10.14%. And the median was 11.30%.
BCSO's Return-on-Tangible-Equity is ranked better than 51.15% of 1525
companies
in the Banks industry
Industry Median: 11.2
vs BCSO: 11.30
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Bancorp Southern Indiana Return-on-Tangible-Equity Related Terms
Bancorp Southern Indiana Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Bancorp Southern Indiana's Return-on-Tangible-Equity 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-Equity Comparison
For the Banks - Diversified subindustry, Bancorp Southern Indiana's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 11.30% mean?
Bancorp Southern Indiana (BCSO) has a Return-on-Tangible-Equity of 11.30% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bancorp Southern Indiana and its competitors. This is near median its historical median of 11.30. Over the past decade, Bancorp Southern Indiana's Return-on-Tangible-Equity has ranged from 10.14 to 13.90. According to the industry distribution chart, Bancorp Southern Indiana ranks #745 out of 1525 companies in the Banks industry, placing it in the top 48.9%.
Is Bancorp Southern Indiana's Return-on-Tangible-Equity too high?
Bancorp Southern Indiana's current Return-on-Tangible-Equity of 11.30% is near median its 10-year median of 11.30. Over the past 10 years, this metric has ranged from a low of 10.14 to a high of 13.90. The Banks industry median Return-on-Tangible-Equity is 11.20. Bancorp Southern Indiana's value of 11.30% is 0.9% above this industry median. Based on the distribution chart, Bancorp Southern Indiana ranks #745 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Bancorp Southern Indiana has a GF Scoreâ„¢ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Bancorp Southern Indiana's Return-on-Tangible-Equity compare to IBTN and CZBT?
According to the Banks industry distribution chart, Bancorp Southern Indiana ranks #745 out of 1525 companies for Return-on-Tangible-Equity. This puts Bancorp Southern Indiana in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Bancorp Southern Indiana's value of 11.30% is 0.9% above this benchmark. Historically, Bancorp Southern Indiana's own Return-on-Tangible-Equity has ranged from 10.14 to 13.90 over the past decade. While the company's 10-year median is 11.30 vs. the industry median of 11.20, Bancorp Southern Indiana has consistently been above 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 11.30% is 0.9% above 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — 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-Equity is 11.30%, which is near median its own 10-year median of 11.30. 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-Equity of 11.30%. 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-Equity is 11.30%, which is near median its 10-year median of 11.30 and 0.9% above the Banks industry median of 11.20. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current Return-on-Tangible-Equity is 11.30% 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-Equity: 11.30% (near median its 10-year median of 11.30)
GF Value™: $71.81 vs. price of $60.00 (16.4% below fair value)
Industry Position: 0.9% above the Banks median (#745 of 1525)
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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