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First Bancorp of IndianaFBPI 54 Cash-to-Debt is 0.03 as of Jun. 2025, which is 73% below its 10-year median of 0.11. GuruFocus rates FBPI with a GF Score™ of 54/100 and a GF Value™ of $12.61 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,492 Banks companies, First Bancorp of Indiana ranks worse than 93.03% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. First Bancorp of Indiana's cash to debt ratio for the quarter that ended in Jun. 2025 was 0.03.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, First Bancorp of Indianacouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2025.
The historical rank and industry rank for First Bancorp of Indiana's Cash-to-Debt or its related term are showing as below:
FBPI'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.07 Med: 0.11 Max: 0.14
Current: 0.11
During the past 13 years, First Bancorp of Indiana's highest Cash to Debt Ratio was 0.14. The lowest was 0.07. And the median was 0.11.
FBPI's Cash-to-Debt is ranked worse than 93.03% of 1492
companies
in the Banks industry
Industry Median: 1.37
vs FBPI: 0.11
First Bancorp of Indiana (OTCPK:FBPI) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
First Bancorp of Indiana Cash-to-Debt Related Terms
First Bancorp of Indiana Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, First Bancorp of Indiana's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Bancorp of Indiana Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp of Indiana's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where First Bancorp of Indiana's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Bancorp of Indiana (FBPI) has a Cash-to-Debt of 0.03 as of Jun. 2025. This is 73% below median its historical median of 0.11. Over the past decade, First Bancorp of Indiana's Cash-to-Debt has ranged from 0.07 to 0.14. According to the industry distribution chart, First Bancorp of Indiana ranks #1388 out of 1492 companies in the Banks industry, placing it in the top 93%.
Is First Bancorp of Indiana's Cash-to-Debt too high?
First Bancorp of Indiana's current Cash-to-Debt of 0.03 is 73% below median its 10-year median of 0.11. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.14. The Banks industry median Cash-to-Debt is 1.37. First Bancorp of Indiana's value of 0.03 is 97.8% below this industry median. Based on the distribution chart, First Bancorp of Indiana ranks #1388 out of 1492 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Bancorp of Indiana has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bancorp of Indiana's Cash-to-Debt compare to CAIB and CNAF?
According to the Banks industry distribution chart, First Bancorp of Indiana ranks #1388 out of 1492 companies for Cash-to-Debt. This places First Bancorp of Indiana in the lower half of its industry. The industry median Cash-to-Debt is 1.37. First Bancorp of Indiana's value of 0.03 is 97.8% below this benchmark. Historically, First Bancorp of Indiana's own Cash-to-Debt has ranged from 0.07 to 0.14 over the past decade. While the company's 10-year median is 0.11 vs. the industry median of 1.37, First Bancorp of Indiana has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,492 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp of Indiana's current Cash-to-Debt of 0.03 is 97.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp of Indiana's current Cash-to-Debt is 0.03, which is 73% below median its own 10-year median of 0.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Bancorp of Indiana stock overvalued right now?
Based on GuruFocus' analysis, First Bancorp of Indiana (FBPI) is currently considered Modestly Overvalued. The stock's GF Value™ is $12.61, compared to a current price of $15.25 — trading 20.9% above its estimated fair value. The current Cash-to-Debt is 0.03, which is 73% below median its 10-year median of 0.11 and 97.8% below the Banks industry median of 1.37. First Bancorp of Indiana's overall GF Score™ is 54/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For First Bancorp of Indiana (FBPI), the current Cash-to-Debt is 0.03 as of Jun. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Bancorp of Indiana (FBPI) Overvalued in 2026?
Based on GuruFocus' analysis, First Bancorp of Indiana stock appears to be overvalued.
The current stock price of $15.25 is trading 20.9% above its estimated GF Value™ of $12.61.
GuruFocus considers First Bancorp of Indiana to be Modestly Overvalued.
Key valuation signals for FBPI:
Cash-to-Debt: 0.03 (73% below median its 10-year median of 0.11)
GF Value™: $12.61 vs. price of $15.25 (20.9% above fair value)
Industry Position: 97.8% below the Banks median (#1388 of 1492)
No single metric tells the full story. See the FBPI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Bancorp of Indiana Inc. is a bank holding company. The bank offers commercial, residential, and consumer banking services, including lending, deposits, and investment management through its subsidiary, across branches in Southwestern Indiana and Henderson, Kentucky. Its lending portfolio includes commercial and residential mortgages, secured and unsecured business loans, home equity lines, and consumer loans, with additional scrutiny for classified loans. Commercial one-to-four family mortgages are mainly secured by construction or investment properties, with repayment dependent on property sales, lease income, and local market conditions. The majority of its revenue comes from net interest income on lending and investments.
54GF Score
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