First Bancorp of Indiana Inc (FBPI)

OTHER OTC:FBPI

FBPI

First Bancorp of Indiana

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First Bancorp of Indiana (FBPI) Price & Analysis

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FBPI Stock Chart & Stats

$12.13

$0.15(1.52%)

At close: Jan 07 4:00 PM EST

$12.13

$0.15(1.52%)

Day’s Range― - ―

52-Week Range$9.25 - $15.00

Previous CloseN/A

Volume4.15K

Average Volume (3M)770.00

Market Cap

$25.26M

Enterprise Value$101.94M

Total Cash (Recent Filing)$0.00

Total Debt (Recent Filing)$76.95M

Price to Earnings (P/E)15.8

Beta-0.05

Next Earnings

Jul 31, 2026

EPS EstimateN/A

Next Dividend Ex-DateN/A

Dividend Yield0.96%

Share Statistics

EPS (TTM)0.69

Shares Outstanding1,742,000

10 Day Avg. Volume767

30 Day Avg. Volume770

Financial Highlights & Ratios

PEG Ratio-0.58

Price to Book (P/B)0.49

Price to Sales (P/S)0.89

P/FCF Ratio7.25

Enterprise Value/Market Cap4.04

Enterprise Value/Revenue5.55

Enterprise Value/Gross Profit5.55

Enterprise Value/Ebitda216.20

Forecast

1Y Price TargetN/A

Price Target UpsideN/A

Rating ConsensusN/A

Number of Analyst Covering0

EPS Forecast (FY)N/A

Revenue Forecast (FY)N/A

Bulls Say, Bears Say

Bulls Say

Improved LeverageA meaningful reduction in debt-to-equity to ~2.31x materially improves the bank’s capital posture. Over the next 2–6 months this reduces solvency and funding strain, lowers regulatory and market pressure, and gives management more flexibility to absorb credit volatility or fund modest growth without urgent capital raises.

Stronger Cash GenerationFree cash flow covering ~0.82x of net income and positive operating cash flow signal improving cash conversion. This durable improvement enhances debt servicing ability, supports dividends or targeted reinvestment, and provides a buffer to navigate loan-seasonality or credit hiccups over coming quarters.

Sustained ProfitabilityEven with recent compression, the business remains profitable, reflecting a viable community-banking model that generates net interest and fee income. Persistent profitability provides a foundation to restore margins, fund operations, and execute strategic actions over several months without eroding core franchise value.

Bears Say

Sharp Revenue DeclineAn ~18.1% drop in revenue is a structural concern: shrinking top line reduces scale economics, limits ability to cover fixed costs, and weakens capacity to invest in origination or services. If revenue pressure persists, recovery could take multiple quarters and strain margins and strategic options.

Margin Compression & Weak ROENet margin compressed to ~6.4% and ROE fell to ~3.5%, lowering internal capital generation. Persistently low returns impair the bank’s ability to build capital organically, constrain dividend capacity and limit lending expansion, making sustained profitability recovery an intermediate-term challenge.

Low Cash-flow Coverage Vs DebtOperating cash flow coverage versus debt remains very low (near ~0.3%–1.2%), leaving limited cushion for shocks. This structural weakness restricts financial flexibility, increases vulnerability to rate or credit deterioration, and could force costly funding or capital actions if conditions worsen.

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 $15.00 in the past 12 months.

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

First Bancorp of Indiana Inc’s market cap is $25.26M.

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

First Bancorp of Indiana Inc’s upcoming earnings report date is Jul 31, 2026 which is in 32 days.

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

First Bancorp of Indiana Inc released its earnings results on May 13, 2026. The company reported $0.153 earnings per share for the quarter, beating the consensus estimate of N/A by $0.153.

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 $0.08 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 $0.153 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -3.33%.

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

As the parent entity for First Federal Savings Bank, First Bancorp of Indiana, Inc. delivers a comprehensive suite of banking solutions to both personal and commercial clients. The corporation facilitates diverse deposit accounts and extends a broad array of credit offerings, encompassing mortgages for commercial properties (including one-to-four family and multi-family dwellings), secured and unsecured commercial business financing, residential mortgages (first and second liens for one-to-four family homes), general consumer credit, and home equity lines of credit. Furthermore, the company manages investment security portfolios and furnishes additional services such as safe deposit facilities, check cashing, issuance of cashier's checks, electronic fund transfers, and brokerage support. Its operational footprint includes nine comprehensive banking branches situated across Southwestern Indiana, complemented by a dedicated loan production office in Henderson, Kentucky. Established in 1904, First Bancorp of Indiana, Inc. maintains its principal executive offices in Evansville, Indiana.