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First Bancorp of Indiana Inc
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Let's analyse First Bancorp of Indiana Inc together

PenkeI guess you are interested in First Bancorp of Indiana Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of First Bancorp of Indiana Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of First Bancorp of Indiana Inc (30 sec.)










What can you expect buying and holding a share of First Bancorp of Indiana Inc? (30 sec.)

How much money do you get?

How much money do you get?
$2.57
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
$19.14
Expected worth in 1 year
$18.77
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
$2.20
Return On Investment
17.6%

For what price can you sell your share?

Current Price per Share
$12.50
Expected price per share
$12.25 - $
How sure are you?
50%

1. Valuation of First Bancorp of Indiana Inc (5 min.)




Live pricePrice per Share (EOD)

$12.50

Intrinsic Value Per Share

$0.11 - $9.65

Total Value Per Share

$19.26 - $28.79

2. Growth of First Bancorp of Indiana Inc (5 min.)




Is First Bancorp of Indiana Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$32m$32.5m-$575.6k-1.8%

How much money is First Bancorp of Indiana Inc making?

Current yearPrevious yearGrowGrow %
Making money$2.8m$2.4m$415.5k14.6%
Net Profit Margin10.4%12.1%--

How much money comes from the company's main activities?

3. Financial Health of First Bancorp of Indiana Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of First Bancorp of Indiana Inc? (5 min.)

Welcome investor! First Bancorp of Indiana Inc's management wants to use your money to grow the business. In return you get a share of First Bancorp of Indiana Inc.

What can you expect buying and holding a share of First Bancorp of Indiana Inc?

First you should know what it really means to hold a share of First Bancorp of Indiana Inc. And how you can make/lose money.

Speculation

The Price per Share of First Bancorp of Indiana Inc is $12.50. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of First Bancorp of Indiana Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in First Bancorp of Indiana Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $19.14. Based on the TTM, the Book Value Change Per Share is $-0.09 per quarter. Based on the YOY, the Book Value Change Per Share is $-4.68 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.64 per quarter.
Based on historical numbers we can estimate the returns while holding a share of First Bancorp of Indiana Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps1.7013.6%1.7013.6%1.4411.5%1.5112.0%1.149.2%
Usd Book Value Change Per Share-0.09-0.7%-0.09-0.7%-4.68-37.4%-0.21-1.7%-0.06-0.5%
Usd Dividend Per Share0.645.1%0.645.1%0.635.1%0.635.0%0.625.0%
Usd Total Gains Per Share0.554.4%0.554.4%-4.04-32.3%0.423.3%0.564.5%
Usd Price Per Share16.80-16.80-20.50-19.43-16.88-
Price to Earnings Ratio9.85-9.85-14.26-13.71-17.44-
Price-to-Total Gains Ratio30.48-30.48--5.07-11.77-8.84-
Price to Book Ratio0.88-0.88-1.07-0.92-0.77-
Price-to-Total Gains Ratio30.48-30.48--5.07-11.77-8.84-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share12.5
Number of shares80
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.640.63
Usd Book Value Change Per Share-0.09-0.21
Usd Total Gains Per Share0.550.42
Gains per Quarter (80 shares)44.0933.32
Gains per Year (80 shares)176.37133.28
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1206-29166201-68123
2412-59342402-135256
3617-88518602-203389
4823-118694803-270522
51029-1478701004-338655
61235-17710461205-405788
71441-20612221406-473921
81646-23613981606-5401054
91852-26515741807-6081187
102058-29417502008-6751320

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%26.00.00.0100.0%
Book Value Change Per Share0.01.00.00.0%1.02.00.033.3%3.02.00.060.0%7.03.00.070.0%17.09.00.065.4%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%24.00.02.092.3%
Total Gains per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%8.02.00.080.0%19.07.00.073.1%

Fundamentals of First Bancorp of Indiana Inc

About First Bancorp of Indiana Inc

First Bancorp of Indiana, Inc. operates as the bank holding company for First Federal Savings Bank, provides various banking products and services to individuals and business customers in the United States. The company accepts various deposits such as certificates of deposit, checking, health savings, individual retirement, money market, and savings accounts; loans include retail loan advisors, consumer loans, such as auto, motorcycle, boat, and recreational vehicle loans; mortgage and home equity loans; and current rates and secured deposits. It also accepts various business deposit accounts including commercial, business, small business, and community first checking accounts; lending services comprising relationship bankers; commercial real estate, equipment, owner occupied and investment real estate financing, as well as working capital line of credit, business loans, and small business administration. In addition, the company provides treasury management, online banking, merchant services, remote capture, and debit and credit card services. First Bancorp of Indiana, Inc. was founded in 1904 and is headquartered in Evansville, Indiana.

Fundamental data was last updated by Penke on 2024-05-16 10:08:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of First Bancorp of Indiana Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit First Bancorp of Indiana Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare First Bancorp of Indiana Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 10.4% means that $0.10 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of First Bancorp of Indiana Inc:

  • The MRQ is 10.4%. The company is making a huge profit. +2
  • The TTM is 10.4%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ10.4%TTM10.4%0.0%
TTM10.4%YOY12.1%-1.7%
TTM10.4%5Y11.6%-1.2%
5Y11.6%10Y10.2%+1.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ10.4%38.5%-28.1%
TTM10.4%29.6%-19.2%
YOY12.1%26.3%-14.2%
5Y11.6%23.6%-12.0%
10Y10.2%20.4%-10.2%
1.1.2. Return on Assets

Shows how efficient First Bancorp of Indiana Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare First Bancorp of Indiana Inc to the Banks - Regional industry mean.
  • 0.5% Return on Assets means that First Bancorp of Indiana Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of First Bancorp of Indiana Inc:

  • The MRQ is 0.5%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.5%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.5%TTM0.5%0.0%
TTM0.5%YOY0.5%0.0%
TTM0.5%5Y0.5%-0.1%
5Y0.5%10Y0.4%+0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.5%0.3%+0.2%
TTM0.5%0.2%+0.3%
YOY0.5%0.2%+0.3%
5Y0.5%0.2%+0.3%
10Y0.4%0.2%+0.2%
1.1.3. Return on Equity

Shows how efficient First Bancorp of Indiana Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare First Bancorp of Indiana Inc to the Banks - Regional industry mean.
  • 8.9% Return on Equity means First Bancorp of Indiana Inc generated $0.09 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of First Bancorp of Indiana Inc:

  • The MRQ is 8.9%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 8.9%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ8.9%TTM8.9%0.0%
TTM8.9%YOY7.5%+1.4%
TTM8.9%5Y7.1%+1.8%
5Y7.1%10Y5.4%+1.7%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ8.9%3.1%+5.8%
TTM8.9%2.5%+6.4%
YOY7.5%2.7%+4.8%
5Y7.1%2.5%+4.6%
10Y5.4%2.8%+2.6%

1.2. Operating Efficiency of First Bancorp of Indiana Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient First Bancorp of Indiana Inc is operating .

  • Measures how much profit First Bancorp of Indiana Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare First Bancorp of Indiana Inc to the Banks - Regional industry mean.
  • An Operating Margin of -5.1% means the company generated $-0.05  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of First Bancorp of Indiana Inc:

  • The MRQ is -5.1%. The company is operating very inefficient. -2
  • The TTM is -5.1%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ-5.1%TTM-5.1%0.0%
TTM-5.1%YOY-5.8%+0.6%
TTM-5.1%5Y-5.5%+0.4%
5Y-5.5%10Y-1.8%-3.7%
1.2.2. Operating Ratio

Measures how efficient First Bancorp of Indiana Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.17 means that the operating costs are $0.17 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of First Bancorp of Indiana Inc:

  • The MRQ is 0.174. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.174. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.174TTM0.1740.000
TTM0.174YOY0.221-0.047
TTM0.1745Y0.198-0.024
5Y0.19810Y0.458-0.260

1.3. Liquidity of First Bancorp of Indiana Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if First Bancorp of Indiana Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.04 means the company has $0.04 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of First Bancorp of Indiana Inc:

  • The MRQ is 0.041. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.041. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.041TTM0.0410.000
TTM0.041YOY0.338-0.298
TTM0.0415Y0.397-0.356
5Y0.39710Y1.733-1.336
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.0410.124-0.083
YOY0.3380.167+0.171
5Y0.3970.207+0.190
10Y1.7330.131+1.602
1.3.2. Quick Ratio

Measures if First Bancorp of Indiana Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare First Bancorp of Indiana Inc to the Banks - Regional industry mean.
  • A Quick Ratio of 0.03 means the company can pay off $0.03 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of First Bancorp of Indiana Inc:

  • The MRQ is 0.035. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.035. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.035TTM0.0350.000
TTM0.035YOY0.274-0.240
TTM0.0355Y0.330-0.295
5Y0.33010Y2.351-2.022

1.4. Solvency of First Bancorp of Indiana Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of First Bancorp of Indiana Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare First Bancorp of Indiana Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.95 means that First Bancorp of Indiana Inc assets are financed with 94.9% credit (debt) and the remaining percentage (100% - 94.9%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of First Bancorp of Indiana Inc:

  • The MRQ is 0.949. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.949. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.949TTM0.9490.000
TTM0.949YOY0.937+0.012
TTM0.9495Y0.926+0.023
5Y0.92610Y0.914+0.012
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9490.915+0.034
TTM0.9490.916+0.033
YOY0.9370.918+0.019
5Y0.9260.919+0.007
10Y0.9140.926-0.012
1.4.2. Debt to Equity Ratio

Measures if First Bancorp of Indiana Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare First Bancorp of Indiana Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,872.2% means that company has $18.72 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of First Bancorp of Indiana Inc:

  • The MRQ is 18.722. The company is unable to pay all its debts with equity. -1
  • The TTM is 18.722. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ18.722TTM18.7220.000
TTM18.722YOY14.910+3.812
TTM18.7225Y13.144+5.578
5Y13.14410Y11.559+1.585
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ18.72210.799+7.923
TTM18.72210.909+7.813
YOY14.91011.266+3.644
5Y13.14411.324+1.820
10Y11.55912.886-1.327

2. Market Valuation of First Bancorp of Indiana Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings First Bancorp of Indiana Inc generates.

  • Above 15 is considered overpriced but always compare First Bancorp of Indiana Inc to the Banks - Regional industry mean.
  • A PE ratio of 9.85 means the investor is paying $9.85 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of First Bancorp of Indiana Inc:

  • The EOD is 7.332. Based on the earnings, the company is cheap. +2
  • The MRQ is 9.854. Based on the earnings, the company is underpriced. +1
  • The TTM is 9.854. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD7.332MRQ9.854-2.522
MRQ9.854TTM9.8540.000
TTM9.854YOY14.260-4.406
TTM9.8545Y13.707-3.853
5Y13.70710Y17.438-3.731
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD7.3323.756+3.576
MRQ9.8543.418+6.436
TTM9.8544.741+5.113
YOY14.2606.901+7.359
5Y13.7079.496+4.211
10Y17.4389.770+7.668
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of First Bancorp of Indiana Inc:

  • The EOD is 10.541. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 14.167. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 14.167. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD10.541MRQ14.167-3.626
MRQ14.167TTM14.1670.000
TTM14.167YOY-7.904+22.071
TTM14.1675Y12.236+1.931
5Y12.23610Y16.346-4.110
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD10.541-2.594+13.135
MRQ14.167-2.360+16.527
TTM14.167-1.072+15.239
YOY-7.9046.461-14.365
5Y12.2360.248+11.988
10Y16.3460.032+16.314
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of First Bancorp of Indiana Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.88 means the investor is paying $0.88 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of First Bancorp of Indiana Inc:

  • The EOD is 0.653. Based on the equity, the company is cheap. +2
  • The MRQ is 0.878. Based on the equity, the company is cheap. +2
  • The TTM is 0.878. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.653MRQ0.878-0.225
MRQ0.878TTM0.8780.000
TTM0.878YOY1.066-0.188
TTM0.8785Y0.917-0.039
5Y0.91710Y0.773+0.145
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.6530.462+0.191
MRQ0.8780.420+0.458
TTM0.8780.439+0.439
YOY1.0660.594+0.472
5Y0.9170.763+0.154
10Y0.7730.991-0.218
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of First Bancorp of Indiana Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.092-0.0920%-4.676+4983%-0.211+129%-0.061-34%
Book Value Per Share--19.14119.1410%19.2330%21.257-10%21.993-13%
Current Ratio--0.0410.0410%0.338-88%0.397-90%1.733-98%
Debt To Asset Ratio--0.9490.9490%0.937+1%0.926+3%0.914+4%
Debt To Equity Ratio--18.72218.7220%14.910+26%13.144+42%11.559+62%
Dividend Per Share--0.6430.6430%0.635+1%0.628+2%0.624+3%
Eps--1.7051.7050%1.438+19%1.506+13%1.145+49%
Free Cash Flow Per Share--1.1861.1860%-2.594+319%0.376+215%0.624+90%
Free Cash Flow To Equity Per Share--66.96966.9690%24.296+176%22.961+192%14.860+351%
Gross Profit Margin--0.8680.8680%0.842+3%0.858+1%0.807+8%
Intrinsic Value_10Y_max--9.651--------
Intrinsic Value_10Y_min--0.114--------
Intrinsic Value_1Y_max--0.699--------
Intrinsic Value_1Y_min---0.053--------
Intrinsic Value_3Y_max--2.306--------
Intrinsic Value_3Y_min---0.105--------
Intrinsic Value_5Y_max--4.158--------
Intrinsic Value_5Y_min---0.095--------
Market Cap20905375.000-34%28096824.00028096824.0000%34734421.000-19%33438004.858-16%29253100.239-4%
Net Profit Margin--0.1040.1040%0.121-14%0.116-10%0.102+2%
Operating Margin---0.051-0.0510%-0.058+12%-0.055+7%-0.018-64%
Operating Ratio--0.1740.1740%0.221-21%0.198-12%0.458-62%
Pb Ratio0.653-34%0.8780.8780%1.066-18%0.917-4%0.773+14%
Pe Ratio7.332-34%9.8549.8540%14.260-31%13.707-28%17.438-43%
Price Per Share12.500-34%16.80016.8000%20.500-18%19.428-14%16.8840%
Price To Free Cash Flow Ratio10.541-34%14.16714.1670%-7.904+156%12.236+16%16.346-13%
Price To Total Gains Ratio22.680-34%30.48130.4810%-5.073+117%11.769+159%8.844+245%
Quick Ratio--0.0350.0350%0.274-87%0.330-89%2.351-99%
Return On Assets--0.0050.0050%0.005-4%0.005-12%0.004+6%
Return On Equity--0.0890.0890%0.075+19%0.071+25%0.054+65%
Total Gains Per Share--0.5510.5510%-4.041+833%0.416+32%0.563-2%
Usd Book Value--32012047.00032012047.0000%32587717.000-2%36608249.600-13%38158518.500-16%
Usd Book Value Change Per Share---0.092-0.0920%-4.676+4983%-0.211+129%-0.061-34%
Usd Book Value Per Share--19.14119.1410%19.2330%21.257-10%21.993-13%
Usd Dividend Per Share--0.6430.6430%0.635+1%0.628+2%0.624+3%
Usd Eps--1.7051.7050%1.438+19%1.506+13%1.145+49%
Usd Free Cash Flow--1983241.0001983241.0000%-4394486.000+322%665406.600+198%1093632.600+81%
Usd Free Cash Flow Per Share--1.1861.1860%-2.594+319%0.376+215%0.624+90%
Usd Free Cash Flow To Equity Per Share--66.96966.9690%24.296+176%22.961+192%14.860+351%
Usd Market Cap20905375.000-34%28096824.00028096824.0000%34734421.000-19%33438004.858-16%29253100.239-4%
Usd Price Per Share12.500-34%16.80016.8000%20.500-18%19.428-14%16.8840%
Usd Profit--2851374.0002851374.0000%2435824.000+17%2586287.000+10%1977479.100+44%
Usd Revenue--27463330.00027463330.0000%20121306.000+36%22232872.200+24%19048212.900+44%
Usd Total Gains Per Share--0.5510.5510%-4.041+833%0.416+32%0.563-2%
 EOD+4 -4MRQTTM+0 -0YOY+23 -135Y+23 -1310Y+20 -16

3.2. Fundamental Score

Let's check the fundamental score of First Bancorp of Indiana Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-157.332
Price to Book Ratio (EOD)Between0-10.653
Net Profit Margin (MRQ)Greater than00.104
Operating Margin (MRQ)Greater than0-0.051
Quick Ratio (MRQ)Greater than10.035
Current Ratio (MRQ)Greater than10.041
Debt to Asset Ratio (MRQ)Less than10.949
Debt to Equity Ratio (MRQ)Less than118.722
Return on Equity (MRQ)Greater than0.150.089
Return on Assets (MRQ)Greater than0.050.005
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of First Bancorp of Indiana Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.703
Ma 20Greater thanMa 5012.288
Ma 50Greater thanMa 10012.865
Ma 100Greater thanMa 20013.591
OpenGreater thanClose12.500
Total1/5 (20.0%)



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in USD. All numbers in thousands.

Summary
Total Assets631,341
Total Liabilities599,329
Total Stockholder Equity32,012
 As reported
Total Liabilities 599,329
Total Stockholder Equity+ 32,012
Total Assets = 631,341

Assets

Total Assets631,341
Total Current Assets22,765
Long-term Assets608,576
Total Current Assets
Cash And Cash Equivalents 19,502
Total Current Assets  (as reported)22,765
Total Current Assets  (calculated)19,502
+/- 3,263
Long-term Assets
Property Plant Equipment 13,513
Goodwill 6,229
Intangible Assets 1,844
Other Assets 467,266
Long-term Assets  (as reported)608,576
Long-term Assets  (calculated)488,852
+/- 119,724

Liabilities & Shareholders' Equity

Total Current Liabilities561,978
Long-term Liabilities37,351
Total Stockholder Equity32,012
Total Current Liabilities
Accounts payable 462,203
Other Current Liabilities 561,978
Total Current Liabilities  (as reported)561,978
Total Current Liabilities  (calculated)1,024,181
+/- 462,203
Long-term Liabilities
Other Liabilities 1,931
Long-term Liabilities  (as reported)37,351
Long-term Liabilities  (calculated)1,931
+/- 35,420
Total Stockholder Equity
Common Stock25
Retained Earnings 28,160
Accumulated Other Comprehensive Income -10,485
Other Stockholders Equity 14,312
Total Stockholder Equity (as reported)32,012
Total Stockholder Equity (calculated)32,012
+/-0
Other
Cash and Short Term Investments 19,502
Common Stock Shares Outstanding 1,672
Liabilities and Stockholders Equity 631,341
Net Debt 110,329
Net Tangible Assets 25,783
Net Working Capital -539,213
Short Long Term Debt Total 129,832



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302012-06-302011-06-302010-06-302009-06-302008-06-302007-06-302006-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-301998-06-30
> Total Assets 
108,964
124,800
127,482
175,612
183,162
188,506
264,065
277,368
294,551
362,992
377,346
358,647
343,753
356,121
381,186
376,940
375,428
396,646
397,754
422,239
434,533
431,120
473,406
480,872
518,480
631,341
631,341518,480480,872473,406431,120434,533422,239397,754396,646375,428376,940381,186356,121343,753358,647377,346362,992294,551277,368264,065188,506183,162175,612127,482124,800108,964
   > Total Current Assets 
11,689
18,800
6,226
10,309
12,440
5,954
7,749
33,495
11,239
16,467
0
0
0
0
0
36,854
21,063
25,724
32,744
43,853
33,996
15,304
33,212
56,301
18,125
22,765
22,76518,12556,30133,21215,30433,99643,85332,74425,72421,06336,8540000016,46711,23933,4957,7495,95412,44010,3096,22618,80011,689
       Cash And Cash Equivalents 
11,689
18,800
6,226
10,309
12,440
5,954
7,749
33,495
9,942
16,467
7,243
1,404
1,499
2,166
1,706
36,854
21,063
25,724
23,064
31,792
20,984
6,090
26,552
51,396
14,690
19,502
19,50214,69051,39626,5526,09020,98431,79223,06425,72421,06336,8541,7062,1661,4991,4047,24316,4679,94233,4957,7495,95412,44010,3096,22618,80011,689
       Short-term Investments 
0
0
6,133
5,678
10,638
2,953
6,153
32,296
79,003
79,003
17,649
23,395
27,875
41,276
44,353
35,299
20,803
2,704
4,673
5,406
5,894
0
0
0
0
0
000005,8945,4064,6732,70420,80335,29944,35341,27627,87523,39517,64979,00379,00332,2966,1532,95310,6385,6786,13300
       Net Receivables 
0
0
0
0
0
0
0
3,902
1,297
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000001,2973,9020000000
       Other Current Assets 
0
0
0
0
0
145,667
176,062
172,656
201,326
249,981
0
0
0
0
0
0
1,309
2,226
32,744
43,853
33,996
15,304
33,212
56,301
18,125
22,765
22,76518,12556,30133,21215,30433,99643,85332,7442,2261,309000000249,981201,326172,656176,062145,66700000
   > Long-term Assets 
55,260
44,500
48,680
52,482
43,009
36,886
80,255
71,216
81,987
96,544
0
0
0
0
0
340,085
354,365
370,922
365,010
378,386
400,537
415,816
440,193
424,571
500,355
608,576
608,576500,355424,571440,193415,816400,537378,386365,010370,922354,365340,0850000096,54481,98771,21680,25536,88643,00952,48248,68044,50055,260
       Property Plant Equipment 
1,520
1,500
1,647
3,150
3,010
2,827
2,720
3,948
8,543
9,323
9,165
9,530
9,128
8,945
9,092
12,404
12,763
12,355
12,323
11,995
11,386
11,313
11,728
11,341
12,892
13,513
13,51312,89211,34111,72811,31311,38611,99512,32312,35512,76312,4049,0928,9459,1289,5309,1659,3238,5433,9482,7202,8273,0103,1501,6471,5001,520
       Goodwill 
0
0
0
0
1,806
1,786
1,786
1,786
1,786
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,229
6,2296,2296,2296,2296,2296,2296,2296,2296,2296,2296,2296,2296,2296,2296,2296,2296,2291,7861,7861,7861,7861,8060000
       Long Term Investments 
0
0
0
0
0
0
0
223,998
262,336
317,899
0
0
0
0
0
0
85,747
91,276
97,783
95,135
89,571
84,347
0
0
0
0
000084,34789,57195,13597,78391,27685,747000000317,899262,336223,9980000000
       Intangible Assets 
0
0
0
2,360
2,198
2,101
2,025
1,949
2,645
7,838
7,601
7,525
7,515
7,621
7,681
306
212
118
24
1,097
1,049
1,047
1,127
1,857
1,930
1,844
1,8441,9301,8571,1271,0471,0491,097241182123067,6817,6217,5157,5257,6017,8382,6451,9492,0252,1012,1982,360000
       Other Assets 
42,015
61,500
72,575
112,820
127,714
145,667
176,062
172,656
201,326
249,981
12,898
13,297
11,888
11,980
13,475
15,652
12,143
253,630
248,174
266,298
292,108
307,133
356,542
345,538
362,133
467,266
467,266362,133345,538356,542307,133292,108266,298248,174253,63012,14315,65213,47511,98011,88813,29712,898249,981201,326172,656176,062145,667127,714112,82072,57561,50042,015
> Total Liabilities 
3,645
0
5,000
15,000
30,000
40,333
235,097
45,000
266,345
72,496
345,771
329,698
310,925
323,044
346,408
342,485
338,803
359,751
359,618
370,678
399,206
393,206
434,427
439,324
485,892
599,329
599,329485,892439,324434,427393,206399,206370,678359,618359,751338,803342,485346,408323,044310,925329,698345,77172,496266,34545,000235,09740,33330,00015,0005,00003,645
   > Total Current Liabilities 
0
0
0
0
0
0
12,500
0
464
0
0
0
0
0
0
3,451
3,518
3,222
72,006
78,293
95,618
83,303
121,130
49,103
53,571
561,978
561,97853,57149,103121,13083,30395,61878,29372,0063,2223,5183,451000000464012,500000000
       Short-term Debt 
0
0
0
0
0
0
12,500
0
0
0
0
0
0
0
0
0
73,155
88,155
8,000
8,000
15,000
1,054
30,000
0
4,000
0
04,000030,0001,05415,0008,0008,00088,15573,15500000000012,500000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
73,155
88,155
103,155
8,000
15,000
0
0
0
0
0
0000015,0008,000103,15588,15573,1550000000000000000
       Accounts payable 
0
0
85,974
126,797
119,915
115,891
182,740
195,733
464
251,234
244,053
228,749
211,645
234,949
269,197
264,947
260,980
267,409
251,585
278,443
294,640
293,107
334,205
367,496
389,675
462,203
462,203389,675367,496334,205293,107294,640278,443251,585267,409260,980264,947269,197234,949211,645228,749244,053251,234464195,733182,740115,891119,915126,79785,97400
       Other Current Liabilities 
0
0
0
0
0
0
-12,500
195,733
-464
251,234
0
0
0
0
0
0
0
0
64,006
70,293
80,618
82,249
91,130
49,103
49,571
561,978
561,97849,57149,10391,13082,24980,61870,29364,00600000000251,234-464195,733-12,500000000
   > Long-term Liabilities 
3,645
0
5,000
15,000
30,000
40,333
35,667
45,000
73,000
72,496
0
0
0
0
0
339,034
335,285
356,529
287,612
292,385
303,588
309,903
313,296
390,221
432,321
37,351
37,351432,321390,221313,296309,903303,588292,385287,612356,529335,285339,0340000072,49673,00045,00035,66740,33330,00015,0005,00003,645
       Other Liabilities 
0
0
1,596
2,395
1,923
2,376
4,190
6,714
4,004
5,044
6,063
5,294
4,125
4,940
4,056
4,383
4,667
965
1,058
1,395
1,095
1,270
1,394
2,021
1,888
1,931
1,9311,8882,0211,3941,2701,0951,3951,0589654,6674,3834,0564,9404,1255,2946,0635,0444,0046,7144,1902,3761,9232,3951,59600
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
930
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000093000000000
> Total Stockholder Equity
14,949
36,500
34,912
31,420
31,324
29,906
28,968
29,921
28,206
34,218
31,575
28,949
32,828
33,077
34,778
34,454
36,626
36,895
38,136
36,560
35,326
37,914
38,979
41,548
32,588
32,012
32,01232,58841,54838,97937,91435,32636,56038,13636,89536,62634,45434,77833,07732,82828,94931,57534,21828,20629,92128,96829,90631,32431,42034,91236,50014,949
   Retained Earnings 
14,901
15,500
16,473
17,273
17,962
18,939
18,344
18,918
19,306
18,802
16,580
13,643
17,080
17,226
18,928
19,175
19,510
19,942
20,794
20,610
20,623
21,640
22,315
25,024
26,384
28,160
28,16026,38425,02422,31521,64020,62320,61020,79419,94219,51019,17518,92817,22617,08013,64316,58018,80219,30618,91818,34418,93917,96217,27316,47315,50014,901
   Accumulated Other Comprehensive Income 
48
0
-2,419
-1,960
-1,662
-1,505
-2,049
-1,151
-2,355
-1,225
0
0
0
0
0
-570
1,266
1,103
1,492
101
-1,147
424
1,080
891
-8,504
-10,485
-10,485-8,5048911,080424-1,1471011,4921,1031,266-57000000-1,225-2,355-1,151-2,049-1,505-1,662-1,960-2,419048
   Capital Surplus 00000000000000000000000000
   Treasury Stock00000-11,948-11,948-11,948-11,948-11,948-11,948-11,948-11,942-12,005-12,311-12,421-11,886-11,824-10,809-10,319-10,817-8,688-7,874-3,45700



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.