First Bancorp of Indiana AI Stock Analysis
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First Bancorp of Indiana (FBPI) AI Stock Analysis
First Bancorp of Indiana
(Other OTC:FBPI)
The overall score is low, driven primarily by severe cash flow weakness and deteriorating profitability. The stock's extremely overbought technical condition adds significant near-term downside risk. A moderate valuation and improved balance sheet provide only minor support.
First Bancorp of Indiana (FBPI) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $32.78M
- Dividend Yield
- 1.52%
- Average Volume (3M)
- 7,194
- Price to Earnings (P/E)
- 16.0
- Beta (1Y)
- -0.13
- Revenue Growth
- ―
- EPS Growth
- ―
- Country
- US
- Employees
- 91
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
First Bancorp of Indiana Business Overview & Revenue Model
Company Description
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...
How the Company Makes Money
FBPI primarily makes money through its bank subsidiary by earning interest income on loans and investment securities and by paying interest on deposits and other funding sources, with the spread between these (net interest income) being a core earnin...
First Bancorp of Indiana Financial Statement Overview
Summary
Financial performance is weak. While the balance sheet has improved via debt reduction, profitability has deteriorated sharply and cash flow has turned deeply negative, indicating poor earnings quality and operational stress.
Income Statement
45NeutralBalance Sheet
55NeutralCash Flow
25Negative| Breakdown | TTM | Jun 2025 | Jun 2025 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 30.36M | 18.38M | 34.13M | 18.48M | 27.46M | 23.27M |
| Gross Profit | 19.52M | 18.38M | 20.04M | 18.48M | 19.73M | 20.05M |
| EBITDA | 1.20M | 714.52K | 2.59M | 2.24M | 3.95M | 5.30M |
| Net Income | 1.58M | 1.17M | 1.82M | 1.53M | 2.85M | 3.79M |
Balance Sheet | ||||||
| Total Assets | 579.89M | 605.75M | 577.71M | 635.32M | 631.34M | 480.87M |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 0 | 15.61M | 8.57M | 13.37M | 9.01M |
| Total Debt | 81.00M | 76.95M | 61.99M | 129.89M | 129.83M | 65.16M |
| Total Liabilities | 543.43M | 572.42M | 539.71M | 603.78M | 599.33M | 439.32M |
| Stockholders Equity | 36.46M | 33.34M | 38.00M | 31.54M | 32.01M | 41.55M |
Cash Flow | ||||||
| Free Cash Flow | 0 | 2.25M | -880.11K | 669.73K | 64.85K | 4.05M |
| Operating Cash Flow | 0 | 2.73M | -421.22K | 1.58M | 1.66M | 4.56M |
| Investing Cash Flow | 0 | 34.86M | 29.70M | -7.32M | -106.86M | 17.44M |
| Financing Cash Flow | 0 | -32.58M | -34.41M | 2.36M | 110.02M | 2.84M |
First Bancorp of Indiana Technical Analysis
Price Trends
Market Momentum
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 19.20 is above the 20-day moving average (MA) of 15.88, above the 50-day MA of 15.13, and above the 200-day MA of 14.10, indicating a bullish trend. The MACD of 1.16 indicates Negative momentum. The RSI at 87.42 is Negative, neither overbought nor oversold. The STOCH value of 99.20 is Negative, 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
Overall Rating
KFFB71Outperform- FBPI43Neutral
GLBZ39Underperform
SHFS38Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| KFFB | 71Outperform | $48.12M | 19.61 | 4.97% | 0.84% | 7.24% | 360.42% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| FBPI | 43Neutral | $32.78M | 16.00 | 5.67% | 1.52% | ― | ― |
| GLBZ | 39Underperform | $11.50M | -148.12 | -0.39% | ― | 17.13% | -395.56% |
| SHFS | 38Underperform | $4.01M | -0.00 | -73.97% | ― | -14.63% | 94.07% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| FBPI | First Bancorp of Indiana | 19.20 | 8.07 | 72.48% | |
| CARV | Carver Bancorp | 2.00 | -1.14 | -36.31% | |
| GLBZ | Glen Burnie | 3.94 | -0.54 | -12.05% | |
| KFFB | Kentucky First Federal | 5.95 | 1.64 | 37.92% | |
| SHFS | Shf Holdings Inc. | 0.03 | -17.61 | -99.83% | |
| MBBC | Marathon Bancorp, Inc. | 14.94 | 3.76 | 33.63% |
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.
Date of analysis: Nov 06, 2026