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Bancorp. of Southern Indiana operates as the bank holding company for Jackson County Bank that provides various banking products and services in Indiana. It offers checking, savings, youth, and individual retirement accounts; remote and night deposit services; and debit and credit cards. The company also provides home equity, consumer, commercial real estate, construction, term, and agricultural loans; mortgages; lines of credit; and letters of credit. In addition, it offers investment management, trust, estate administration, guardianship, escrow agent, wealth management, treasury management, funds management, wire transfer, and merchant services; and mobile, telephone, and online banking services. The company operates in Jackson, Bartholomew, Monroe, Lawrence, and Jennings Counties. The company was founded in 1900 and is based in Seymour, Indiana.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Bancorp of Southern Indiana is a regional bank holding company providing deposit, lending and related services to consumers and businesses in Southern Indiana. Long-term growth may be driven by local economic expansion, loan growth and interest-rate spread dynamics, and investors may find appeal in its community-focused deposit franchise.
Material risks include limited liquidity and transparency from its PINK/OTC listing, regional loan concentration and credit risk, competitive pressure from larger banks and fintechs, and regulatory or capital constraints.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Income before tax | 8.10M | 7.97M | 8.52M | 10.56M | 8.21M |
| Net income | 6.74M | 6.81M | 7.25M | 8.88M | 6.96M |
| Gross profit | 39.48M | 37.32M | 36.59M | 36.54M | 35.63M |
| Reconciled depreciation | 1.86M | 1.72M | 1.68M | 1.64M | 1.43M |
| Ebit | - | 7.97M | 9.16M | 10.56M | 8.21M |
| Ebitda | - | 9.20M | 10.20M | 12.20M | 9.64M |
| Depreciation and amortization | 1.86M | 1.22M | 1.04M | 1.64M | 1.43M |
| Operating income | 16.79M | 16.52M | 8.52M | 10.56M | 8.21M |
| Other operating expenses | 22.68M | 20.80M | 28.07M | 25.98M | 27.42M |
| Interest expense | 23.45M | 14.35M | 4.13M | 3.25M | 4.32M |
| Tax provision | 1.36M | 1.16M | 1.26M | 1.68M | 1.25M |
| Interest income | 51.10M | 41.13M | 27.35M | 24.24M | 23.73M |
| Net interest income | 27.65M | 26.78M | 23.22M | 20.98M | 19.41M |
| Income tax expense | 1.36M | 1.16M | 1.26M | 1.68M | 1.25M |
| Total revenue | 39.48M | 37.32M | 36.59M | 36.54M | 35.63M |
| Total operating expenses | 22.68M | 20.80M | 7.81M | 16.32M | 15.57M |
| Cost of revenue | - | -15.26M | - | - | - |
| Total other income expense net | -8.69M | -8.55M | -23.94M | -22.72M | -21.30M |
| Net income from continuing ops | 6.74M | 6.81M | 7.25M | 8.88M | 6.96M |
| Net income applicable to common shares | - | - | - | 8.88M | 6.96M |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Total assets | 982.33M | 953.35M | 819.20M | - | - |
| Intangible assets | 1.65M | 1.89M | 1.09M | - | - |
| Other current assets | - | 25.27M | 40.23M | 9.33M | 10.61M |
| Total liab | 908.91M | 883.44M | 754.95M | - | - |
| Total stockholder equity | 73.42M | 69.91M | 64.25M | - | - |
| Other current liab | 330.27M | 708.56M | 676.47M | - | - |
| Common stock | 0.23M | 0.23M | 0.23M | 70.24M | 64.87M |
| Capital stock | 0.23M | 0.23M | 0.23M | - | - |
| Retained earnings | 79.95M | 75.40M | 71.09M | - | - |
| Other liab | - | - | - | 7.77M | 8.57M |
| Good will | 3.38M | 3.38M | 2.35M | - | - |
| Other assets | 982.33M | -24.09M | - | 527.02M | 525.52M |
| Cash | 18.88M | 24.09M | 36.87M | - | - |
| Total current liabilities | 330.27M | 751.02M | 676.47M | 657.98M | 580.16M |
| Net debt | -18.88M | -24.09M | 23.85M | - | - |
| Short term debt | - | 42.46M | 14.30M | - | - |
| Short long term debt total | - | 133.83M | 60.71M | - | - |
| Other stockholder equity | -6.75M | 2.92M | 2.92M | - | - |
| Property plant equipment | - | - | - | 9.19M | 8.11M |
| Total current assets | 18.88M | 49.36M | 40.23M | 131.14M | 79.04M |
| Long term investments | 103.05M | 126.30M | 133.30M | - | - |
| Net tangible assets | - | - | - | 70.24M | 64.87M |
| Short term investments | - | -110.12M | -7.63M | - | - |
| Accounts payable | - | - | - | 651.65M | 572.43M |
| Accumulated other comprehensive income | - | -8.63M | -9.98M | - | - |
| Non currrent assets other | -127.06M | 777.15M | 25.81M | - | - |
| Non current assets total | 963.45M | 928.08M | 778.97M | - | - |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Investments | -36.15M | -145.24M | -146.85M | -23.89M | -69.45M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cash from financing activities | 23.76M | 123.05M | 40.01M | 69.71M | 105.52M |
| Net income | 6.74M | 6.81M | 7.25M | 8.88M | 6.96M |
| Change in cash | -3.51M | -12.92M | -88.95M | 55.29M | 34.51M |
| Begin period cash flow | 16.31M | 29.23M | 118.19M | 62.90M | 28.39M |
| End period cash flow | 12.80M | 16.31M | 29.23M | 118.19M | 62.90M |
| Total cash from operating activities | 8.88M | 9.26M | 7.62M | 9.47M | -1.56M |
| Issuance of capital stock | -0.06M | 0.00M | -0.25M | 0.00M | - |
| Depreciation | 1.86M | 1.72M | 1.04M | 1.64M | 1.43M |
| Other cashflows from investing activities | -57.19M | -144.83M | -4.24M | 1.91M | 2.62M |
| Dividends paid | 2.13M | 2.12M | 2.12M | 2.10M | 1.90M |
| Change to account receivables | 0.24M | -0.89M | - | - | - |
| Other cashflows from financing activities | 46.17M | 52.06M | 36.38M | 79.22M | 110.28M |
| Capital expenditures | 0.78M | 8.54M | 3.38M | 1.90M | 1.57M |
| Change in working capital | -0.25M | 0.49M | -0.65M | -2.36M | -2.14M |
| Other non cash items | 0.52M | 0.24M | 2.05M | -2.54M | -3.16M |
| Free cash flow | 8.10M | 0.48M | 4.25M | 7.57M | -3.13M |
Sector: Financial Services Industry: Banks - Diversified
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BCSO Bancorp. of Southern Indiana |
- -% |
60.00 | 13.03 | - | 2.00 | 1.10 | 4.56 |
| JPM JPMorgan Chase & Co |
2.29 0.69% |
336.33 | 15.10 | 14.01 | 5.03 | 2.63 | 5.76 |
| IDCBF Industrial and Commercial Bank of China |
- -% |
0.94 | 6.53 | 6.02 | 0.67 | 0.56 | 5.72 |
| IDCBY Industrial and Commercial Bank of China |
- -% |
18.93 | 6.49 | 6.00 | 0.65 | 0.55 | 5.72 |
| ACGBY Agricultural Bank of China PK |
0.20 0.94% |
21.50 | 6.92 | 6.73 | 0.67 | 0.60 | 6.34 |
Bancorp. of Southern Indiana operates as the bank holding company for Jackson County Bank that provides various banking products and services in Indiana. It offers checking, savings, youth, and individual retirement accounts; remote and night deposit services; and debit and credit cards. The company also provides home equity, consumer, commercial real estate, construction, term, and agricultural loans; mortgages; lines of credit; and letters of credit. In addition, it offers investment management, trust, estate administration, guardianship, escrow agent, wealth management, treasury management, funds management, wire transfer, and merchant services; and mobile, telephone, and online banking services. The company operates in Jackson, Bartholomew, Monroe, Lawrence, and Jennings Counties. The company was founded in 1900 and is based in Seymour, Indiana.
125 South Chestnut Street, Seymour, IN, United States, 47274
812 522 3607
171
| Name | Title | Year Born |
|---|---|---|
| Mr. Marvin S. Veatch | Pres & Director | 1965 |
| Ms. Melodie K. Yarnell | VP & Sec. | NA |
| Mr. Chad A. Key | VP & Treasurer | NA |
| Mr. Marvin S. Veatch | President & Director | 1965 |
| Ms. Melodie K. Yarnell | VP & Secretary | NA |
| Mr. Peymon S. Torabi | VP & Treasurer | 1977 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.
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