First Bancorp of Indiana Inc (FBPI)
OTHER OTC:FBPI
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First Bancorp of Indiana
(OTC:FBPI)
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Rating:59Neutral
Price Target:
$14.00
▲(15.42% Upside)
Action:ReiteratedDate:12/30/25
The score is driven primarily by mixed financial performance—improving leverage and better cash conversion, but a sharp 2025 revenue decline, margin compression, and weaker ROE. Technical indicators are modestly supportive with price above key moving averages and positive momentum, while valuation appears fair with a modest dividend yield.
Positive Factors
Improved leverage
A materially lower debt-to-equity ratio reduces solvency and funding stress versus last year. This stronger capital structure increases capacity to support core lending, absorb credit volatility, and act on strategic opportunities over the medium term, enhancing resilience.
Negative Factors
Sharp revenue decline
An 18.1% drop in revenue signals weakened loan production, fee income, or both. Persistent top-line contraction reduces scale benefits, limits margin recovery, and curtails internal reinvestment capacity, making it harder to restore earnings without a clear business recovery plan.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage
A materially lower debt-to-equity ratio reduces solvency and funding stress versus last year. This stronger capital structure increases capacity to support core lending, absorb credit volatility, and act on strategic opportunities over the medium term, enhancing resilience.
Read all positive factors
First Bancorp of Indiana (FBPI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$23.60M
Dividend Yield0.96%
Average Volume (3M)770.00
Price to Earnings (P/E)11.0
Beta (1Y)-0.04
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees91
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.14
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 Cap4.24
Enterprise Value/Revenue5.44
Enterprise Value/Gross Profit5.44
Enterprise Value/Ebitda212.05
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
First Bancorp of Indiana Business Overview & Revenue Model
Company Description
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 th...
How the Company Makes Money
FBPI makes money primarily through its banking subsidiary by (1) generating net interest income—the spread between interest earned on interest-earning assets (primarily loans such as commercial, real estate, and consumer loans, and investment secu...
First Bancorp of Indiana Financial Statement Overview
Summary
Income Statement
48
Neutral
Balance Sheet
60
Neutral
Cash Flow
55
Neutral
| Breakdown | Jun 2025 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 18.38M | 18.48M | 27.46M | 20.18M | 23.27M |
| Gross Profit | 18.38M | 18.48M | 19.73M | 17.65M | 20.05M |
| EBITDA | 714.52K | 2.24M | 3.95M | 3.70M | 5.30M |
| Net Income | 1.17M | 1.53M | 2.85M | 2.44M | 3.79M |
Balance Sheet | |||||
| Total Assets | 605.75M | 635.32M | 631.34M | 518.48M | 480.87M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 8.57M | 13.37M | 14.69M | 9.01M |
| Total Debt | 76.95M | 129.89M | 129.83M | 90.77M | 65.16M |
| Total Liabilities | 572.42M | 603.78M | 599.33M | 485.89M | 439.32M |
| Stockholders Equity | 33.34M | 31.54M | 32.01M | 32.59M | 41.55M |
Cash Flow | |||||
| Free Cash Flow | 2.25M | 669.73K | 64.85K | 3.32M | 4.05M |
| Operating Cash Flow | 2.73M | 1.58M | 1.66M | 5.74M | 4.56M |
| Investing Cash Flow | 34.86M | -7.32M | -106.86M | -88.01M | 17.44M |
| Financing Cash Flow | -32.58M | 2.36M | 110.02M | 45.56M | 2.84M |
First Bancorp of Indiana Technical Analysis
Positive
12.13
Price Trends
12.93
Positive
12.23
Positive
11.34
Positive
Market Momentum
0.16
Positive
64.11
Neutral
71.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FBPI, the sentiment is Positive. The current price of 12.13 is below the 20-day moving average (MA) of 13.55, below the 50-day MA of 12.93, and above the 200-day MA of 11.34, indicating a neutral trend. The MACD of 0.16 indicates Positive momentum. The RSI at 64.11 is Neutral, neither overbought nor oversold. The STOCH value of 71.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FBPI.
First Bancorp of Indiana Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | $23.60M | 10.98 | 4.85% | 0.96% | ― | ― | |
54 Neutral | $35.66M | 30.97 | 1.71% | ― | 15.56% | ― | |
51 Neutral | $14.10M | -32.65 | 0.09% | ― | 5.76% | -72.73% | |
43 Neutral | $2.31M | 28.99 | -229.75% | ― | -42.15% | -1001.66% |
* Financial Sector Average
FBPI
First Bancorp of Indiana
13.55
3.50
34.81%
CARV
Carver Bancorp
1.69
0.25
17.57%
GLBZ
Glen Burnie Bancorp
4.83
-0.22
-4.36%
KFFB
Kentucky First Federal Bancorp
4.41
1.59
56.38%
SHFS
SHF Holdings
0.75
-1.39
-64.95%
MBBC
Marathon Bancorp
13.25
3.63
37.73%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.