Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
First Bancorp of IndianaFBPI 49 EV-to-OCF is 34.01 as of Aug. 01, 2026, which is 20% below its 10-year median of 42.65. GuruFocus rates FBPI with a GF Score™ of 49/100 and a GF Value™ of $12.77 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,500 Banks companies, First Bancorp of Indiana ranks worse than 93.33% on this metric.
The historical rank and industry rank for First Bancorp of Indiana's EV-to-OCF or its related term are showing as below:
FBPI'
s EV-to-OCF Range Over the Past 10 Years
Min: 17.74 Med: 42.65 Max: 91.36
Current: 34.01
During the past 13 years, the highest EV-to-OCF of First Bancorp of Indiana was 91.36. The lowest was 17.74. And the median was 42.65.
FBPI's EV-to-OCF is ranked worse than 93.33% of 1500
companies
in the Banks industry
Industry Median: 3.975
vs FBPI: 34.01
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Bancorp of Indiana (OTCPK:FBPI) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
First Bancorp of Indiana's PE Ratio (TTM) for today is calculated as:
First Bancorp of Indiana's share price for today is $14.373.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Bancorp of Indiana's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2025 was $0.690.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
First Bancorp of Indiana EV-to-OCF Related Terms
First Bancorp of Indiana EV-to-OCF 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.
For the Banks - Regional subindustry, First Bancorp of Indiana's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp of Indiana's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where First Bancorp of Indiana's EV-to-OCF falls into.
First Bancorp of Indiana's current Enterprise Value is $92.88 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. First Bancorp of Indiana's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2025 was $2.73 Mil.
* 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 EV-to-OCF of 34.01 as of Aug. 01, 2026. This is 20% below median its historical median of 42.65. Over the past decade, First Bancorp of Indiana's EV-to-OCF has ranged from 17.74 to 91.36. According to the industry distribution chart, First Bancorp of Indiana ranks #1400 out of 1500 companies in the Banks industry, placing it in the top 93.3%.
Is First Bancorp of Indiana's EV-to-OCF too high?
First Bancorp of Indiana's current EV-to-OCF of 34.01 is 20% below median its 10-year median of 42.65. Over the past 10 years, this metric has ranged from a low of 17.74 to a high of 91.36. The Banks industry median EV-to-OCF is 3.98. First Bancorp of Indiana's value of 34.01 is 755.6% above this industry median. Based on the distribution chart, First Bancorp of Indiana ranks #1400 out of 1500 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Bancorp of Indiana has a GF Score™ of 49/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bancorp of Indiana's EV-to-OCF compare to CNAF and CAIB?
According to the Banks industry distribution chart, First Bancorp of Indiana ranks #1400 out of 1500 companies for EV-to-OCF. This places First Bancorp of Indiana in the lower half of its industry. The industry median EV-to-OCF is 3.98. First Bancorp of Indiana's value of 34.01 is 755.6% above this benchmark. Historically, First Bancorp of Indiana's own EV-to-OCF has ranged from 17.74 to 91.36 over the past decade. While the company's 10-year median is 42.65 vs. the industry median of 3.98, First Bancorp of Indiana has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.98, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp of Indiana's current EV-to-OCF of 34.01 is 755.6% above 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp of Indiana's current EV-to-OCF is 34.01, which is 20% below median its own 10-year median of 42.65. 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 $12.77, compared to a current price of $14.37 — trading 12.6% above its estimated fair value. The current EV-to-OCF is 34.01, which is 20% below median its 10-year median of 42.65 and 755.6% above the Banks industry median of 3.98. First Bancorp of Indiana's overall GF Score™ is 49/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For First Bancorp of Indiana (FBPI), the current EV-to-OCF is 34.01 as of Aug. 01, 2026. 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 $14.37 is trading 12.6% above its estimated GF Value™ of $12.77.
GuruFocus considers First Bancorp of Indiana to be Modestly Overvalued.
Key valuation signals for FBPI:
EV-to-OCF: 34.01 (20% below median its 10-year median of 42.65)
GF Value™: $12.77 vs. price of $14.37 (12.6% above fair value)
Industry Position: 755.6% above the Banks median (#1400 of 1500)
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.
49GF Score
Get the complete analysis for FBPI
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FBPI has been successfully added to your 
