Stock fact sheet · data as of
Bancorp. of Southern Indiana (BCSO): fair value, margin of safety and Wheel Score
Financial Services · Banks - Diversified · United States · Defensive
Is BCSO undervalued?
At 60.00 (close of 16 Oct 2026), BCSO trades 75% below the GLS average fair value of 241.46. 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 (564.19). 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.
The nightly engine files BCSO under Defensive: a low beta, a dividend and positive earnings.
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.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 77.08 | +28% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 186.84 | +211% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 438.26 | +630% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 116.17 | +94% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 564.19 | +840% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 25.46 | -58% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 282.21 | +370% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -716.64 | -1294% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Bancorp. of Southern Indiana scores only 4 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. 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 6.0/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
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 2.88% 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.
| Piotroski F-score | 4 / 9 | ROIC | 3.9% |
|---|---|---|---|
| GLS Moat | 6.0 / 10 | ROE | 10.0% |
| Debt / equity | 1.56 | ROA | 0.8% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
No options are listed on Bancorp. of Southern Indiana in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 1k shares a day on a market cap of $81M, 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 gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 75% margin of safety | |
| Health | 9 / 20 | Piotroski 4/9 | |
| Moat | 9 / 15 | moat 6.0/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 1k shares/day, $81M cap, beta -0.07 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score 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.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| FRBT Forbright, Inc. Class A Common Stock | 17.39 | 9.92 | -75% | 14No options | $883M |
| WFCNP Wells Fargo & Company | 2.75 | 45.50 | +94% | 39No options | $8.4B |
| WF Woori Financial Group Inc. | 68.78 | 235,316.97 | +100% | 39No options | $16.8B |
| BAP Credicorp Ltd. | 388.42 | 1,029.94 | +62% | 85Prime | $30.8B |
| BCS Barclays PLC | 22.81 | 78.16 | +71% | 84Prime | $77.3B |
| ING ING Groep N.V. | 33.27 | 46.09 | +28% | 82Prime | $94.0B |
| SMFG Sumitomo Mitsui Financial Group, Inc. | 24.75 | 4,921.66 | +99% | 86Prime | $95.9B |
| CM Canadian Imperial Bank of Commerce | 112.26 | 148.21 | +24% | 70Good | $101.9B |
| BNS The Bank of Nova Scotia | 91.12 | 169.08 | +46% | 74Good | $111.1B |
| BMO Bank of Montreal | 166.05 | 311.77 | +47% | 74Good | $115.4B |
| BBVA Banco Bilbao Vizcaya Argentaria, S.A. | 25.95 | 91.89 | +72% | 82Prime | $144.3B |
| UBS UBS Group AG | 47.15 | 75.19 | +37% | 85Prime | $144.4B |
⚖ Compare BCSO with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about BCSO
Is BCSO undervalued right now?
By the GLS models, yes: at 60.00 the stock is 75% below the average fair value of 241.46 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of BCSO and what does it mean?
BCSO has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for BCSO?
241.46 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Bancorp. of Southern Indiana report earnings next?
No upcoming earnings date is recorded for BCSO in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does BCSO have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on BCSO, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.