Bancorp. of Southern Indiana

Financial Services US BCSO

NoneUSD
-(-%)

Last update at 2025-05-30T14:12:28.912038Z

Day Range

--
LowHigh

52 Week Range

47.0060.00
LowHigh

Fundamentals

  • Previous Close -
  • Market Cap81.15M
  • VolumeNone
  • P/E Ratio12.02
  • Dividend Yield2.63%
  • Revenue TTM36.41M
  • Revenue Per Share TTM26.93
  • Gross Profit TTM 36.41M
  • Diluted EPS TTM4.99

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

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
Minority interest - - - - -
Net income 6.74M 6.81M 7.25M 8.88M 6.96M
Selling general administrative - - - - -
Selling and marketing expenses - - - - -
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
Non operating income net other - - - - -
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
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
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 - -15.25600M - - -
Total other income expense net -8.69200M -8.54600M -23.93700M -22.72400M -21.30400M
Discontinued operations - - - - -
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
Preferred stock and other adjustments - - - - -
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 - -
Earning assets - - - - -
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 - -
Deferred long term liab - - - - -
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 -24.09500M - 527.02M 525.52M
Cash 18.88M 24.09M 36.87M - -
Cash and equivalents - - - - -
Total current liabilities 330.27M 751.02M 676.47M 657.98M 580.16M
Current deferred revenue - - - - -
Net debt -18.87500M -24.09500M 23.85M - -
Short term debt - 42.46M 14.30M - -
Short long term debt - - - - -
Short long term debt total - 133.83M 60.71M - -
Other stockholder equity -6.75000M 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 - -110.12500M -7.63200M - -
Net receivables - - - - -
Long term debt - - - - -
Inventory - - - - -
Accounts payable - - - 651.65M 572.43M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - -8.63100M -9.98200M - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other -127.06000M 777.15M 25.81M - -
Deferred long term asset charges - - - - -
Non current assets total 963.45M 928.08M 778.97M - -
Capital lease obligations - - - - -
Long term debt total - - - - -
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 -36.15100M -145.23500M -146.85400M -23.89400M -69.45300M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities - - - - -
Net borrowings - - - - -
Total cash from financing activities 23.76M 123.05M 40.01M 69.71M 105.52M
Change to operating activities - - - - -
Net income 6.74M 6.81M 7.25M 8.88M 6.96M
Change in cash -3.51400M -12.92000M -88.95200M 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 -1.55600M
Issuance of capital stock -0.06200M 0.00000M -0.24900M 0.00000M -
Depreciation 1.86M 1.72M 1.04M 1.64M 1.43M
Other cashflows from investing activities -57.18500M -144.82700M -4.23600M 1.91M 2.62M
Dividends paid 2.13M 2.12M 2.12M 2.10M 1.90M
Change to inventory - - - - -
Change to account receivables 0.24M -0.89400M - - -
Sale purchase of stock - - - - -
Other cashflows from financing activities 46.17M 52.06M 36.38M 79.22M 110.28M
Change to netincome - - - - -
Capital expenditures 0.78M 8.54M 3.38M 1.90M 1.57M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -0.24700M 0.49M -0.64500M -2.36000M -2.14100M
Stock based compensation - - - - -
Other non cash items 0.52M 0.24M 2.05M -2.54100M -3.16100M
Free cash flow 8.10M 0.48M 4.25M 7.57M -3.13100M

Peer Comparison

Sector: Financial Services Industry: Banks - Diversified

Company 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
- -% - 12.02 - 2.23 1.10 4.56
JPM
JPMorgan Chase & Co
-1.55 0.58% 266.69 9.99 10.83 3.38 1.66
BAC
Bank of America Corp
-0.1793 0.40% 44.44 16.63 12.74 3.72 1.32 7.30
IDCBF
Industrial and Commercial Bank of China
- -% 0.80 3.36 3.16 0.30 0.34
IDCBY
Industrial Commercial Bank of China
-0.17 1.08% 15.51 3.41 3.16 0.31 0.34

Reports Covered

Stock Research & News

Profile

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.

Bancorp. of Southern Indiana

125 South Chestnut Street, Seymour, IN, United States, 47274

Key Executives

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

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