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First Bancorp of IndianaFBPI 49 OCF Margin % is 14.86% as of Jun. 2025, which is 8% below its 10-year median of 16.11. 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 1,498 Banks companies, First Bancorp of Indiana ranks worse than 67.09% 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp of Indiana's OCF Margin % distribution charts can be found below:
* The bar in red indicates where First Bancorp of Indiana's OCF 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 OCF Margin % of 14.86% as of Jun. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Bancorp of Indiana and its competitors. This is near median its historical median of 16.11. According to the industry distribution chart, First Bancorp of Indiana ranks #1005 out of 1498 companies in the Banks industry, placing it in the top 67.1%.
Is First Bancorp of Indiana's OCF Margin % too high?
First Bancorp of Indiana's current OCF Margin % of 14.86% is near median its 10-year median of 16.11. The Banks industry median OCF Margin % is 29.16. First Bancorp of Indiana's value of 14.86% is 49% below this industry median. Based on the distribution chart, First Bancorp of Indiana ranks #1005 out of 1498 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 OCF Margin % compare to CNAF and CAIB?
According to the Banks industry distribution chart, First Bancorp of Indiana ranks #1005 out of 1498 companies for OCF Margin %. This places First Bancorp of Indiana in the lower half of its industry. The industry median OCF Margin % is 29.16. First Bancorp of Indiana's value of 14.86% is 49% below this benchmark. While the company's 10-year median is 16.11 vs. the industry median of 29.16, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.16, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp of Indiana's current OCF Margin % of 14.86% is 49% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on First Bancorp of Indiana and its competitors. For the Banks industry, the median OCF Margin % is 29.16 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp of Indiana's current OCF Margin % is 14.86%, which is near median its own 10-year median of 16.11. 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 $12.77, compared to a current price of $14.37 — trading 12.6% above its estimated fair value. The current OCF Margin % is 14.86%, which is near median its 10-year median of 16.11 and 49% below the Banks industry median of 29.16. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For First Bancorp of Indiana (FBPI), the current OCF Margin % is 14.86% 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:
OCF Margin %: 14.86% (near median its 10-year median of 16.11)
GF Value™: $12.77 vs. price of $14.37 (12.6% above fair value)
Industry Position: 49% below the Banks median (#1005 of 1498)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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