Community Banking FranchiseA local community-bank franchise anchors steadier, relationship-driven deposit funding and core lending. That business model generates recurring net interest income from loans and deposit spreads, supporting durable earnings capacity within its regional market over the medium term.

Material Leverage ImprovementA sizeable drop in debt-to-equity materially reduces balance-sheet risk and interest burden, improving capital flexibility. This structural repair gives management more room for provisioning or targeted lending growth without immediate recapitalization, strengthening resilience over coming quarters.

Improving Cash Conversion / Positive FCFRising free cash flow coverage signals better cash conversion and internal funding capacity. Positive FCF supports reinvestment, loan origination, and operational needs without relying solely on external capital, a structurally beneficial trend for medium-term stability.

Bears Say

Sharp Revenue Decline & Margin CompressionAn 18% revenue drop and materially compressed net margin erode core earnings power and limit reinvestment capacity. If sustained, lower NII and margins reduce ability to absorb credit costs and fund growth, presenting a structural headwind to medium-term profitability recovery.

Weak And Declining Returns On EquityROE near 3.5% signals limited ability to generate shareholder returns from core operations. Persistently low ROE constrains internal capital accumulation, makes external capital less accretive, and reduces capacity to fund strategic initiatives without dilutive or costly financing.

Operating Cash Flow Weak Vs. DebtOperating cash flow coverage that is small versus debt constrains financial flexibility under stress. Even with improving FCF, low operating cash generation relative to liabilities raises structural liquidity and refinancing risk if credit conditions tighten or loan losses rise.

FBPI FAQ

What was First Bancorp of Indiana Inc’s price range in the past 12 months?

First Bancorp of Indiana Inc lowest stock price was $9.25 and its highest was $14.00 in the past 12 months.

What is First Bancorp of Indiana Inc’s market cap?

First Bancorp of Indiana Inc’s market cap is $23.94M.

When is First Bancorp of Indiana Inc’s upcoming earnings report date?

First Bancorp of Indiana Inc’s upcoming earnings report date is Apr 17, 2026 which is in 24 days.

How were First Bancorp of Indiana Inc’s earnings last quarter?

First Bancorp of Indiana Inc released its earnings results on Aug 01, 2025. The company reported $0.142 earnings per share for the quarter, beating the consensus estimate of N/A by $0.142.

Is First Bancorp of Indiana Inc overvalued?

According to Wall Street analysts First Bancorp of Indiana Inc’s price is currently Overvalued. Get more investment ideas with TipRanks Premium

Does First Bancorp of Indiana Inc pay dividends?

First Bancorp of Indiana Inc pays a Quarterly dividend of $0.06 which represents an annual dividend yield of 0.96%. See more information on First Bancorp of Indiana Inc dividends here

What is First Bancorp of Indiana Inc’s EPS estimate?

First Bancorp of Indiana Inc’s EPS estimate for its next earnings report is not yet available.

How many shares outstanding does First Bancorp of Indiana Inc have?

First Bancorp of Indiana Inc has 1,742,000 shares outstanding.

What happened to First Bancorp of Indiana Inc’s price movement after its last earnings report?

First Bancorp of Indiana Inc reported an EPS of $0.142 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -1.282%.

Which hedge fund is a major shareholder of First Bancorp of Indiana Inc?

Currently, no hedge funds are holding shares in FBPI

What is the TipRanks Smart Score and how is it calculated?

Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

Company Description

First Bancorp of Indiana Inc

First Bancorp of Indiana, Inc. operates as the bank holding company for First Federal Savings Bank that provides various banking products and services to individuals and business customers. The company accepts various deposits; and offers loans that include commercial one-to-four family mortgage, commercial and multi-family mortgage, secured commercial business, unsecured commercial business, residential one-to-four family mortgage, residential second mortgage, and consumer loans, as well as home equity lines of credit. It is also involved in the management of investment securities portfolios; and provides safe deposit box, check cashing and cashier's check, wire transfer, and brokerage services. The company operates 9 full-service offices in Southwestern Indiana; and 1 loan production office in Henderson, Kentucky. First Bancorp of Indiana, Inc. was founded in 1904 and is based in Evansville, Indiana.