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First Bancorp of Indiana
(OTC:FBPI)
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Rating:57Neutral
Price Target:
$15.50
▲(7.64% Upside)
Action:Reiterated
Date:09/26/26
The score is held back primarily by mixed financial performance, led by negative 2026 operating/free cash flow and margin compression despite improved leverage. Offsetting that, technicals are moderately positive with price above key moving averages and a positive MACD, while valuation is reasonable with a mid-teens P/E and a modest dividend yield.
Positive Factors
Improved Leverage
The substantial reduction in debt-to-equity strengthens financial stability and gives the bank greater flexibility to manage credit cycles, fund lending, and absorb earnings volatility. Lower leverage can also reduce balance-sheet risk and improve the durability of future capital allocation.
Negative Factors
Negative Cash Generation
Negative operating and free cash flow raise concerns about the consistency and quality of earnings, even while reported net income remains positive. If sustained, weaker cash generation could constrain internal funding capacity and reduce flexibility for lending, investment, or capital returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
The substantial reduction in debt-to-equity strengthens financial stability and gives the bank greater flexibility to manage credit cycles, fund lending, and absorb earnings volatility. Lower leverage can also reduce balance-sheet risk and improve the durability of future capital allocation.
Read all positive factors
First Bancorp of Indiana (FBPI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$24.07M
Dividend Yield2.07%
Average Volume (3M)292.00
Price to Earnings (P/E)13.5
Beta (1Y)-0.02
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees91
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.92
Shares Outstanding1,707,291
10 Day Avg. Volume329
30 Day Avg. Volume292
Financial Highlights & Ratios
PEG Ratio0.25
Price to Book (P/B)0.65
Price to Sales (P/S)0.73
P/FCF Ratio-28.13
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
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 bro...
How the Company Makes Money
FBPI makes money primarily through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between interest and fees collected on loans and interest-bearing securities (such as...
First Bancorp of Indiana Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
54
Neutral
Cash Flow
41
Neutral
| Breakdown | TTM | Jun 2025 | Jun 2025 | Jun 2023 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 30.36M | 34.13M | 18.38M | 18.48M | 27.46M | 20.18M |
| Gross Profit | 19.52M | 20.04M | 18.38M | 18.48M | 19.73M | 17.65M |
| EBITDA | 1.20M | 2.59M | 714.52K | 2.24M | 3.95M | 3.70M |
| Net Income | 1.58M | 1.82M | 1.17M | 1.53M | 2.85M | 2.44M |
Balance Sheet | ||||||
| Total Assets | 579.89M | 577.71M | 605.75M | 635.32M | 631.34M | 518.48M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 15.61M | 0.00 | 8.57M | 13.37M | 14.69M |
| Total Debt | 81.00M | 61.99M | 76.95M | 129.89M | 129.83M | 90.77M |
| Total Liabilities | 543.43M | 539.71M | 572.42M | 603.78M | 599.33M | 485.89M |
| Stockholders Equity | 36.46M | 38.00M | 33.34M | 31.54M | 32.01M | 32.59M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -880.11K | 2.25M | 669.73K | 64.85K | 3.32M |
| Operating Cash Flow | 0.00 | -421.22K | 2.73M | 1.58M | 1.66M | 5.74M |
| Investing Cash Flow | 0.00 | 29.70M | 34.86M | -7.32M | -106.86M | -88.01M |
| Financing Cash Flow | 0.00 | -34.41M | -32.58M | 2.36M | 110.02M | 45.56M |
First Bancorp of Indiana Technical Analysis
Negative
14.40
Price Trends
14.55
Negative
14.39
Negative
13.48
Positive
Market Momentum
0.02
Positive
41.39
Neutral
22.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FBPI, the sentiment is Negative. The current price of 14.4 is below the 20-day moving average (MA) of 14.76, below the 50-day MA of 14.55, and above the 200-day MA of 13.48, indicating a neutral trend. The MACD of 0.02 indicates Positive momentum. The RSI at 41.39 is Neutral, neither overbought nor oversold. The STOCH value of 22.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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% | |
57 Neutral | $24.07M | 13.46 | 4.94% | 2.07% | ― | ― | |
57 Neutral | $47.39M | 26.16 | 3.86% | 0.85% | 8.69% | 958.30% | |
52 Neutral | $12.62M | -82.84 | -0.75% | 8.71% | 13.37% | -600.93% | |
41 Neutral | $1.46M | -0.11 | -52.68% | ― | -28.59% | 94.79% |
* Financial Sector Average
FBPI
First Bancorp of Indiana
14.40
2.93
25.53%
CARV
Carver Bancorp
1.79
-0.97
-35.14%
GLBZ
Glen Burnie Bancorp
4.32
-0.36
-7.80%
KFFB
Kentucky First Federal Bancorp
5.65
1.98
53.74%
SHFS
SHF Holdings
1.47
-87.45
-98.35%
MBBC
Marathon Bancorp
15.00
4.60
44.23%
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.