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First Bancorp of IndianaFBPI 50 Net Margin % is 6.39% as of Jun. 2025, which is 53% below its 10-year median of 13.48. 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 1,526 Banks companies, First Bancorp of Indiana ranks worse than 91.61% on this metric.
First Bancorp of Indiana (OTCPK:FBPI) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
First Bancorp of Indiana Net Margin % Related Terms
First Bancorp of Indiana Net Margin % 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp of Indiana's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Bancorp of Indiana's Net 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 Net Margin % of 6.39% as of Jun. 2025. Net margin is the ratio of total net income to net sales. View historical data on First Bancorp of Indiana and its competitors. This is 53% below median its historical median of 13.48. Over the past decade, First Bancorp of Indiana's Net Margin % has ranged from 5.59 to 18.89. According to the industry distribution chart, First Bancorp of Indiana ranks #1398 out of 1526 companies in the Banks industry, placing it in the top 91.6%.
Is First Bancorp of Indiana's Net Margin % too high?
First Bancorp of Indiana's current Net Margin % of 6.39% is 53% below median its 10-year median of 13.48. Over the past 10 years, this metric has ranged from a low of 5.59 to a high of 18.89. The Banks industry median Net Margin % is 27.06. First Bancorp of Indiana's value of 6.39% is 76.4% below this industry median. Based on the distribution chart, First Bancorp of Indiana ranks #1398 out of 1526 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 Net Margin % compare to CNAF and CAIB?
According to the Banks industry distribution chart, First Bancorp of Indiana ranks #1398 out of 1526 companies for Net Margin %. This places First Bancorp of Indiana in the lower half of its industry. The industry median Net Margin % is 27.06. First Bancorp of Indiana's value of 6.39% is 76.4% below this benchmark. Historically, First Bancorp of Indiana's own Net Margin % has ranged from 5.59 to 18.89 over the past decade. While the company's 10-year median is 13.48 vs. the industry median of 27.06, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp of Indiana's current Net Margin % of 6.39% is 76.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on First Bancorp of Indiana and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp of Indiana's current Net Margin % is 6.39%, which is 53% below median its own 10-year median of 13.48. 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 Net Margin % is 6.39%, which is 53% below median its 10-year median of 13.48 and 76.4% below the Banks industry median of 27.06. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For First Bancorp of Indiana (FBPI), the current Net Margin % is 6.39% 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:
Net Margin %: 6.39% (53% below median its 10-year median of 13.48)
GF Value™: $12.77 vs. price of $14.37 (12.6% above fair value)
Industry Position: 76.4% below the Banks median (#1398 of 1526)
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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