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First Bancorp of IndianaFBPI 49 Return-on-Tangible-Asset is 0.19% as of Jun. 2025, which is 60% below its 10-year median of 0.48. 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 1,528 Banks companies, First Bancorp of Indiana ranks worse than 90.84% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. First Bancorp of Indiana's annualizedNet Income for the quarter that ended in Jun. 2025 was $1.17 Mil. First Bancorp of Indiana's average total tangible assets for the quarter that ended in Jun. 2025 was $614.31 Mil. Therefore, First Bancorp of Indiana's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2025 was 0.19%.
The historical rank and industry rank for First Bancorp of Indiana's Return-on-Tangible-Asset or its related term are showing as below:
FBPI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.16 Med: 0.48 Max: 0.8
Current: 0.19
During the past 13 years, First Bancorp of Indiana's highest Return-on-Tangible-Asset was 0.80%. The lowest was 0.16%. And the median was 0.48%.
FBPI's Return-on-Tangible-Asset is ranked worse than 90.84% of 1528
companies
in the Banks industry
Industry Median: 1.01
vs FBPI: 0.19
First Bancorp of Indiana (OTCPK:FBPI) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
First Bancorp of Indiana Return-on-Tangible-Asset Related Terms
First Bancorp of Indiana Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for First Bancorp of Indiana's Return-on-Tangible-Asset can be seen below:
* 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 Return-on-Tangible-Asset Chart
FBPI vs CNAF, CAIB, CTYP: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, First Bancorp of Indiana's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp of Indiana's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where First Bancorp of Indiana's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is one times the annual (Jun. 2025) net income data.
What does a Return-on-Tangible-Asset of 0.19% mean?
First Bancorp of Indiana (FBPI) has a Return-on-Tangible-Asset of 0.19% as of Jun. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Bancorp of Indiana and its competitors. This is 60% below median its historical median of 0.48. Over the past decade, First Bancorp of Indiana's Return-on-Tangible-Asset has ranged from 0.16 to 0.80. According to the industry distribution chart, First Bancorp of Indiana ranks #1388 out of 1528 companies in the Banks industry, placing it in the top 90.8%.
Is First Bancorp of Indiana's Return-on-Tangible-Asset too high?
First Bancorp of Indiana's current Return-on-Tangible-Asset of 0.19% is 60% below median its 10-year median of 0.48. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 0.80. The Banks industry median Return-on-Tangible-Asset is 1.01. First Bancorp of Indiana's value of 0.19% is 81.2% below this industry median. Based on the distribution chart, First Bancorp of Indiana ranks #1388 out of 1528 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 Return-on-Tangible-Asset compare to CNAF and CAIB?
According to the Banks industry distribution chart, First Bancorp of Indiana ranks #1388 out of 1528 companies for Return-on-Tangible-Asset. This places First Bancorp of Indiana in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. First Bancorp of Indiana's value of 0.19% is 81.2% below this benchmark. Historically, First Bancorp of Indiana's own Return-on-Tangible-Asset has ranged from 0.16 to 0.80 over the past decade. While the company's 10-year median is 0.48 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Bancorp of Indiana's current Return-on-Tangible-Asset of 0.19% is 81.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on First Bancorp of Indiana and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp of Indiana's current Return-on-Tangible-Asset is 0.19%, which is 60% below median its own 10-year median of 0.48. 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 Return-on-Tangible-Asset is 0.19%, which is 60% below median its 10-year median of 0.48 and 81.2% below the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For First Bancorp of Indiana (FBPI), the current Return-on-Tangible-Asset is 0.19% 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:
Return-on-Tangible-Asset: 0.19% (60% below median its 10-year median of 0.48)
GF Value™: $12.77 vs. price of $14.37 (12.6% above fair value)
Industry Position: 81.2% below the Banks median (#1388 of 1528)
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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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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