Bancorp. of Southern Indiana (BCSO): fair value, margin of safety and Wheel Score

Is BCSO undervalued?

At 65.00 (close of 5 Nov 2026), BCSO trades 73% below the GLS average fair value of 241.23. That average comes from 7 models run on the latest filings, and 6 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Bancorp. of Southern Indiana the full Value points in the Wheel Score - and a closer look at what the market is pricing in.

There is a wide gap between DDM (25.46) and GLS Growth (557.36). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.

Ranked against every other company we cover, neither cheapness nor growth clearly wins for BCSO, so the nightly engine files it under Blend (value score 85, growth score 75, out of 100).

Nine valuation models for BCSO

Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.

Quality and financial health

Bancorp. of Southern Indiana scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability BCSO scores 6.2/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.

Returns on capital are thin or negative - ROIC 3.9%, ROE 10.0%, ROA 0.8% - with debt at 1.56 times equity and negative free cash flow.

The dividend yield is 2.66% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.

Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.

Wheel Score 32: No options

No options are listed on Bancorp. of Southern Indiana in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 32, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.

Volume runs at 0k shares a day on a market cap of $88M, with a beta of -0.07 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.

The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.

Upcoming events

No upcoming earnings date is recorded for BCSO in the nightly calendar.

Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.

Similar stocks in Banks - Diversified

The 12 companies below are the closest to Bancorp. of Southern Indiana by market cap within the Banks - Diversified industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.

⚖ Compare BCSO with 7 of them   All Financial Services stocks →