FBPI (First Bancorp of Indiana) 5-Year RORE % : -33.76% (As of Jun. 2025)

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Director of Data and Quant Analytics at GuruFocus
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FBPI First Bancorp of Indiana Inc FBPI
49 GF Score
Price $14.37
GF Value $12.77
Valuation Modestly Overvalued
! 8 Warning Signs
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What is First Bancorp of Indiana 5-Year RORE %?

First Bancorp of Indiana FBPI 49 5-Year RORE % is -33.76 as of Jun. 2025. 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 1,409 Banks companies, First Bancorp of Indiana ranks worse than 93.12% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. First Bancorp of Indiana's 5-Year RORE % for the quarter that ended in Jun. 2025 was -33.76%.

The industry rank for First Bancorp of Indiana's 5-Year RORE % or its related term are showing as below:

FBPI's 5-Year RORE % is ranked worse than
93.12% of 1409 companies
in the Banks industry
Industry Median: 9.93 vs FBPI: -33.76

First Bancorp of Indiana  (OTCPK:FBPI) 5-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


First Bancorp of Indiana 5-Year RORE % Related Terms


First Bancorp of Indiana 5-Year RORE % Historical Data

* Premium members only.

The historical data trend for First Bancorp of Indiana's 5-Year RORE % 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 5-Year RORE % Chart

First Bancorp of Indiana Annual Data
Trend Jun05 Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
5-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 -2.31 -33.76

First Bancorp of Indiana Semi-Annual Data
Jun98 Jun99 Jun00 Jun01 Jun02 Jun03 Jun04 Jun05 Jun06 Jun07 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
5-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 -2.31 -33.76

FBPI vs CNAF, CAIB, CTYP: 5-Year RORE % Comparison

For the Banks - Regional subindustry, First Bancorp of Indiana's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, First Bancorp of Indiana's 5-Year RORE % distribution charts can be found below:

* The bar in red indicates where First Bancorp of Indiana's 5-Year RORE % falls into.


FBPI
49GF Score
First Bancorp of Indiana Inc FBPI
5-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Bancorp of Indiana 5-Year RORE % Calculation

First Bancorp of Indiana's 5-Year RORE % for the quarter that ended in Jun. 2025 is calculated as:

5-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 5-year -Cumulative Dividends per Share for 5-year )
=( 0.69-2.179 )/( 6.93-2.52 )
=-1.489/4.41
=-33.76 %

* 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Jun. 2025 and 5-year before.

Frequently Asked Questions Learn more about 5-Year RORE % →
What does a 5-Year RORE % of -33.76 mean?
First Bancorp of Indiana (FBPI) has a 5-Year RORE % of -33.76 as of Jun. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on First Bancorp of Indiana and its competitors. According to the industry distribution chart, First Bancorp of Indiana ranks #1312 out of 1409 companies in the Banks industry, placing it in the top 93.1%.
Is First Bancorp of Indiana's 5-Year RORE % too high?
First Bancorp of Indiana's current 5-Year RORE % is -33.76. Based on the distribution chart, First Bancorp of Indiana ranks #1312 out of 1409 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 5-Year RORE % compare to CNAF and CAIB?
According to the Banks industry distribution chart, First Bancorp of Indiana ranks #1312 out of 1409 companies for 5-Year RORE %. This places First Bancorp of Indiana in the lower half of its industry. The industry median 5-Year RORE % is 9.93. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Banks company?
The median 5-Year RORE % among Banks companies is 9.93, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on First Bancorp of Indiana and its competitors. For the Banks industry, the median 5-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Bancorp of Indiana's current 5-Year RORE % is -33.76. 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 5-Year RORE % is -33.76. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For First Bancorp of Indiana (FBPI), the current 5-Year RORE % is -33.76 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:

  • 5-Year RORE %: -33.76
  • GF Value™: $12.77 vs. price of $14.37 (12.6% above fair value)
  • GF Score™: 49/100 with 8 warning signs

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 Business Description

Address 5001 Davis Lant Drive, Evansville, IN, USA, 47715
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

Get the complete analysis for FBPI

5-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$14.37
Price
$12.77
GF Value