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Bancorp. of Southern Indiana (BCSO) Fair Value & Analysis

Financial Services · US · Market cap $80.9M

Price$60.00
Fair Value$64.98
Upside+8.3%
Quality95/100
Evidence: High Range $48.74 – $81.23

Fair value as of: Jun 26, 2026

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Analysis

Bancorp. of Southern Indiana (BCSO) currently trades at $60.00, while our model-based Fair Value estimate is $64.98 — implying the stock looks roughly 8.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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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Frequently asked questions

Is Bancorp. of Southern Indiana (BCSO) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $64.98 versus a price of $60.00 — about +8% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BCSO?
Our 21-model fair value for Bancorp. of Southern Indiana is $64.98 (as of Jun 26, 2026), built from audited fundamentals. The current price is $60.00.
What is the quality score of BCSO?
Bancorp. of Southern Indiana has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.