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First Bancorp of IndianaFBPI 50 Equity-to-Asset is 0.06 as of Jun. 2025, which is at its 10-year median of 0.06. GuruFocus rates FBPI with a GF Score™ of 50/100 and a GF Value™ of $12.77 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,525 Banks companies, First Bancorp of Indiana ranks worse than 84.85% on this metric.
First Bancorp of Indiana (OTCPK:FBPI) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
First Bancorp of Indiana Equity-to-Asset Related Terms
First Bancorp of Indiana Equity-to-Asset 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.
FBPI vs CNAF, CAIB, CTYP: Equity-to-Asset Comparison
For the Banks - Regional subindustry, First Bancorp of Indiana's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp of Indiana's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where First Bancorp of Indiana's Equity-to-Asset falls into.
First Bancorp of Indiana Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
First Bancorp of Indiana's Equity to Asset Ratio for the fiscal year that ended in Jun. 2025 is calculated as
* 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 Equity-to-Asset of 0.06 as of Jun. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Bancorp of Indiana and its competitors. This is near median its historical median of 0.06. Over the past decade, First Bancorp of Indiana's Equity-to-Asset has ranged from 0.05 to 0.09. According to the industry distribution chart, First Bancorp of Indiana ranks #1294 out of 1525 companies in the Banks industry, placing it in the top 84.9%.
Is First Bancorp of Indiana's Equity-to-Asset too high?
First Bancorp of Indiana's current Equity-to-Asset of 0.06 is near median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.05 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. First Bancorp of Indiana's value of 0.06 is 40% below this industry median. Based on the distribution chart, First Bancorp of Indiana ranks #1294 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Bancorp of Indiana has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Bancorp of Indiana's Equity-to-Asset compare to CNAF and CAIB?
According to the Banks industry distribution chart, First Bancorp of Indiana ranks #1294 out of 1525 companies for Equity-to-Asset. This places First Bancorp of Indiana in the lower half of its industry. The industry median Equity-to-Asset is 0.10. First Bancorp of Indiana's value of 0.06 is 40% below this benchmark. Historically, First Bancorp of Indiana's own Equity-to-Asset has ranged from 0.05 to 0.09 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp of Indiana's current Equity-to-Asset of 0.06 is 40% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on First Bancorp of Indiana and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp of Indiana's current Equity-to-Asset is 0.06, which is near median its own 10-year median of 0.06. 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 Equity-to-Asset is 0.06, which is near median its 10-year median of 0.06 and 40% below the Banks industry median of 0.10. First Bancorp of Indiana's overall GF Score™ is 50/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For First Bancorp of Indiana (FBPI), the current Equity-to-Asset is 0.06 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 $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:
Equity-to-Asset: 0.06 (near median its 10-year median of 0.06)
GF Value™: $12.77 vs. price of $14.37 (12.6% above fair value)
Industry Position: 40% below the Banks median (#1294 of 1525)
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.
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