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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 FCF Margin % is 12.26% as of Jun. 2025, which is 25% above its 10-year median of 9.83. 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 1,502 Banks companies, First Bancorp of Indiana ranks worse than 65.45% on this metric.
* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp of Indiana's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Bancorp of Indiana's FCF Margin % 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 FCF Margin % of 12.26% as of Jun. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Bancorp of Indiana and its competitors. This is 25% above median its historical median of 9.83. According to the industry distribution chart, First Bancorp of Indiana ranks #983 out of 1502 companies in the Banks industry, placing it in the top 65.4%.
Is First Bancorp of Indiana's FCF Margin % too high?
First Bancorp of Indiana's current FCF Margin % of 12.26% is 25% above median its 10-year median of 9.83. The Banks industry median FCF Margin % is 25.85. First Bancorp of Indiana's value of 12.26% is 52.6% below this industry median. Based on the distribution chart, First Bancorp of Indiana ranks #983 out of 1502 companies in the Banks industry, which is below the industry midpoint. 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 FCF Margin % compare to CNAF and CAIB?
According to the Banks industry distribution chart, First Bancorp of Indiana ranks #983 out of 1502 companies for FCF Margin %. This places First Bancorp of Indiana in the lower half of its industry. The industry median FCF Margin % is 25.85. First Bancorp of Indiana's value of 12.26% is 52.6% below this benchmark. While the company's 10-year median is 9.83 vs. the industry median of 25.85, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 25.85, based on 1,502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp of Indiana's current FCF Margin % of 12.26% is 52.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Bancorp of Indiana and its competitors. For the Banks industry, the median FCF Margin % is 25.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp of Indiana's current FCF Margin % is 12.26%, which is 25% above median its own 10-year median of 9.83. 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 FCF Margin % is 12.26%, which is 25% above median its 10-year median of 9.83 and 52.6% below the Banks industry median of 25.85. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Bancorp of Indiana (FBPI), the current FCF Margin % is 12.26% 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:
FCF Margin %: 12.26% (25% above median its 10-year median of 9.83)
GF Value™: $12.77 vs. price of $14.37 (12.6% above fair value)
Industry Position: 52.6% below the Banks median (#983 of 1502)
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
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