ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Bancorp Southern Indiana's annualizedNet Income for the quarter that ended in Dec. 2025 was $8.28 Mil.
Bancorp Southern Indiana's average Total Assets over the quarter that ended in Dec. 2025 was $1,024.78 Mil. Therefore, Bancorp Southern Indiana's annualized ROA % for the quarter that ended in Dec. 2025 was 0.81%.
The historical rank and industry rank for Bancorp Southern Indiana's ROA % or its related term are showing as below:
BCSO'
s ROA % Range Over the Past 10 Years
Min: 0.7 Med: 0.91 Max: 1.19
Current: 0.81
During the past 7 years, Bancorp Southern Indiana's highest ROA % was 1.19%. The lowest was 0.70%. And the median was 0.91%.
BCSO's ROA % is ranked worse than 61.62% of 1532
companies
in the Banks industry
Industry Median: 0.98
vs BCSO: 0.81
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Bancorp Southern Indiana's ROA % distribution charts can be found below:
* The bar in red indicates where Bancorp Southern Indiana's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Bancorp Southern Indiana (BCSO) has a ROA % of 0.81% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total 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 ROA % has ranged from 0.70 to 1.19. According to the industry distribution chart, Bancorp Southern Indiana ranks #944 out of 1532 companies in the Banks industry, placing it in the top 61.6%.
Is Bancorp Southern Indiana's ROA % too high?
Bancorp Southern Indiana's current ROA % 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 1.19. The Banks industry median ROA % is 0.98. Bancorp Southern Indiana's value of 0.81% is 17.3% below this industry median. Based on the distribution chart, Bancorp Southern Indiana ranks #944 out of 1532 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 ROA % compare to IBTN and CZBT?
According to the Banks industry distribution chart, Bancorp Southern Indiana ranks #944 out of 1532 companies for ROA %. This places Bancorp Southern Indiana in the lower half of its industry. The industry median ROA % is 0.98. Bancorp Southern Indiana's value of 0.81% is 17.3% below this benchmark. Historically, Bancorp Southern Indiana's own ROA % has ranged from 0.70 to 1.19 over the past decade. While the company's 10-year median is 0.91 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bancorp Southern Indiana's current ROA % of 0.81% is 17.3% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Bancorp Southern Indiana and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bancorp Southern Indiana's current ROA % 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 ROA % 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 ROA % is 0.81%, which is 11% below median its 10-year median of 0.91 and 17.3% below the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Bancorp Southern Indiana (BCSO), the current ROA % 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:
ROA %: 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)
Industry Position: 17.3% below the Banks median (#944 of 1532)
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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