Bancorp. of Southern Indiana (BCSO) Stock Analysis & Winston Score

Bancorp of Southern Indiana is a small community bank holding company based in southern Indiana. It offers everyday banking services like checking and savings accounts, loans, and mortgages to local individuals and small businesses. Community banks like this one focus on serving customers in a specific region rather than competing nationally.

The company makes money primarily through net interest income — it takes in deposits and lends that money out at higher interest rates, keeping the difference as profit. It operates in a limited geographic area in southern Indiana, making it a very small bank with roughly $100 million in market value. Its main competitive advantage is local relationships and personalized service, but its biggest risk is its small size and concentration in one region, which makes it vulnerable to local economic downturns or rising competition from larger banks and online lenders.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+20.9% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+23.3% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

100.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$0 cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Bancorp. of Southern Indiana is a rare growth stock that's already generating positive cash flow while growing at 21%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.5% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 1.4M (2021) → 1.4M (2025)

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

0.0%

Thin — 0.0% gross margin

Operating Margin

100.0%

Excellent — 100.0% operating margin

ROCE

4.4%

Weak — 4.4% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+11.5%

Steady sales growth (11.5% YoY)

EPS YoY

+20.4%

Earnings growing fast (20.4% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

87%

Modest — 87% of profit becomes cash

FCF Margin

87.2%

Converts sales into free cash efficiently (87.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

1.53

Elevated debt (1.53)

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

10.5x

Attractive valuation — P/E 10.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield

2.88%

Moderate income — 2.88% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+5.7%

Dividend growing modestly (5.7% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial