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First Bancorp of IndianaFBPI 50 Return-on-Tangible-Equity is 4.48% as of Jun. 2025, which is 23% below its 10-year median of 5.80. GuruFocus rates FBPI with a GF Scoreâ„¢ of 50/100 and a GF Valueâ„¢ of $12.77 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,522 Banks companies, First Bancorp of Indiana ranks worse than 85.87% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. First Bancorp of Indiana's annualized net income for the quarter that ended in Jun. 2025 was $1.17 Mil. First Bancorp of Indiana's average shareholder tangible equity for the quarter that ended in Jun. 2025 was $26.21 Mil. Therefore, First Bancorp of Indiana's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2025 was 4.48%.
The historical rank and industry rank for First Bancorp of Indiana's Return-on-Tangible-Equity or its related term are showing as below:
FBPI'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.94 Med: 5.8 Max: 11.12
Current: 4.48
During the past 13 years, First Bancorp of Indiana's highest Return-on-Tangible-Equity was 11.12%. The lowest was 1.94%. And the median was 5.80%.
FBPI's Return-on-Tangible-Equity is ranked worse than 85.87% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs FBPI: 4.48
First Bancorp of Indiana (OTCPK:FBPI) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
First Bancorp of Indiana Return-on-Tangible-Equity Related Terms
First Bancorp of Indiana Return-on-Tangible-Equity Historical Data
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The historical data trend for First Bancorp of Indiana's Return-on-Tangible-Equity 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-Equity Chart
FBPI vs CNAF, CAIB, CTYP: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, First Bancorp of Indiana's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Bancorp of Indiana's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where First Bancorp of Indiana's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.48% mean?
First Bancorp of Indiana (FBPI) has a Return-on-Tangible-Equity of 4.48% as of Jun. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Bancorp of Indiana and its competitors. This is 23% below median its historical median of 5.80. Over the past decade, First Bancorp of Indiana's Return-on-Tangible-Equity has ranged from 1.94 to 11.12. According to the industry distribution chart, First Bancorp of Indiana ranks #1307 out of 1522 companies in the Banks industry, placing it in the top 85.9%.
Is First Bancorp of Indiana's Return-on-Tangible-Equity too high?
First Bancorp of Indiana's current Return-on-Tangible-Equity of 4.48% is 23% below median its 10-year median of 5.80. Over the past 10 years, this metric has ranged from a low of 1.94 to a high of 11.12. The Banks industry median Return-on-Tangible-Equity is 11.38. First Bancorp of Indiana's value of 4.48% is 60.6% below this industry median. Based on the distribution chart, First Bancorp of Indiana ranks #1307 out of 1522 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Bancorp of Indiana has a GF Scoreâ„¢ 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 Return-on-Tangible-Equity compare to CNAF and CAIB?
According to the Banks industry distribution chart, First Bancorp of Indiana ranks #1307 out of 1522 companies for Return-on-Tangible-Equity. This places First Bancorp of Indiana in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.38. First Bancorp of Indiana's value of 4.48% is 60.6% below this benchmark. Historically, First Bancorp of Indiana's own Return-on-Tangible-Equity has ranged from 1.94 to 11.12 over the past decade. While the company's 10-year median is 5.80 vs. the industry median of 11.38, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 4.48% is 60.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on First Bancorp of Indiana and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — 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-Equity is 4.48%, which is 23% below median its own 10-year median of 5.80. 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-Equity is 4.48%, which is 23% below median its 10-year median of 5.80 and 60.6% below the Banks industry median of 11.38. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For First Bancorp of Indiana (FBPI), the current Return-on-Tangible-Equity is 4.48% 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-Equity: 4.48% (23% below median its 10-year median of 5.80)
GF Value™: $12.77 vs. price of $14.37 (12.6% above fair value)
Industry Position: 60.6% below the Banks median (#1307 of 1522)
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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