First Bancorp of Indiana, Inc. Financial Ratios — FBPI Stock

Profitability (USD)

	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	3.95	7.17	6.86	6.6	8.89	1.63	8.21	7	2.72	10.38	7.99	15.98	9.47	10.45	5.54
Return on Assets (%)	0.51	0.91	0.76	0.65	0.88	0.13	0.57	0.47	0.16	0.53	0.39	0.79	0.49	0.5	0.24
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	2.68	2.16	- -	- -	2.02	1.52	0.5	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.12	2.78	26.21	28.26	1.94	11.22	31.33	25.09	9.22	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	22.42	22.09	- -	3.51	26.63	21.24	6.23	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	95.8	17.55	-148.69	-57.72	181.52	-418.03	-4,507.91	-8.6	- -	- -	- -	- -	- -
Pretax Margin (%)	25	31.77	22.42	22.09	27.93	3.51	26.63	21.24	6.23	14.87	12.74	22.03	15.85	14.76	5.97
Profit Margin (%)	18.75	21.89	16.95	15.89	19.5	3.84	16.8	14.51	5.59	13.15	11.38	18.89	13.8	14.45	8.31
Net Income to Common Margin (%)	18.75	21.89	16.95	15.89	19.5	3.84	16.8	14.51	5.59	13.15	11.38	18.89	13.8	14.45	8.31
Effective Tax Rate (%)	25	31.11	24.42	28.06	30.2	- -	36.91	31.67	10.27	11.56	10.67	14.27	12.89	2.11	- -
Dvd Payout Ratio (%)	- -	12.86	30.99	40.83	40.46	295.05	62.54	71.05	197.24	51.61	61.6	28.44	44.17	37.72	69.95
Sustainable Growth Rate (%)	3.95	6.24	4.73	3.91	5.29	-3.19	3.08	2.03	-2.64	5.02	3.07	11.43	5.29	6.51	1.67

Credit (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	- -	5	15	30	40	48	45	73	72	95	95	65	87	130	130
ST Debt	- -	- -	- -	- -	- -	12	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	5	15	30	40	36	45	73	72	95	95	65	87	130	130
Total Debt/EBITDA	- -	34.33	8.37	14.48	247.49	54.08	15.75	31.51	84.91	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-188	-8.42	2.62	8.48	210.95	45.38	4.03	27.22	65.62	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	9.78	18.53	- -	172.94	18.53	37.23	125.52	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	3.06	10.84	- -	145.12	4.74	32.16	97.01	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.42	12.94	9.85	9.82	10.06	6.96	6.83	6.56	5.19	5.03	4.72	5.21	5.09	4.46	4.28
Long-Term Debt/Equity (%)	- -	14.32	47.74	95.77	134.87	123.13	150.39	258.81	211.87	250.97	244.12	156.82	266.26	405.57	411.88
Long-Term Debt/Capital (%)	- -	23.26	46.45	62.52	68.02	53.61	70.38	79.07	79.38	81.45	80.99	72.23	76.67	82.16	82.68
Long-Term Debt/Total Assets (%)	- -	3.92	8.54	16.38	21.4	13.51	16.22	24.78	19.97	22.07	20.1	13.55	16.74	20.56	20.45
Total Debt/Equity (%)	- -	14.32	47.74	95.77	134.87	166.28	150.39	258.81	211.87	250.97	244.12	156.82	266.26	405.57	411.88
Total Debt/Capital (%)	- -	23.26	46.45	62.52	68.02	72.39	70.38	79.07	79.38	81.45	80.99	72.23	76.67	82.16	82.68
Total Debt/Total Assets (%)	- -	3.92	8.54	16.38	21.4	18.24	16.22	24.78	19.97	22.07	20.1	13.55	16.74	20.56	20.45
Net Debt to Equity	-51.51	-3.51	14.93	56.06	114.96	139.53	38.45	223.56	163.74	-32.32	-22.61	-21.7	-38.28	-41.76	-27.17
Net Debt/Capital (%)	569.7	-8.03	21.34	49.4	64.45	68.76	37.79	76.54	74.85	-11.72	-8.11	-11.1	-12.39	-9.24	-5.77
EBITDA	- -	- -	2	2	- -	1	3	2	1	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	2	2	- -	1	3	2	1	-1	-1	-1	-2	-2	-1
Operating Income (Loss)	- -	- -	2	2	- -	- -	2	2	1	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	12.42	12.94	9.85	9.82	10.06	6.96	6.83	6.56	5.19	5.03	4.72	5.21	5.09	4.46	4.28
Long-Term Debt/Equity (%)	- -	14.32	47.74	95.77	134.87	123.13	150.39	258.81	211.87	250.97	244.12	156.82	266.26	405.57	411.88
Long-Term Debt/Capital (%)	- -	23.26	46.45	62.52	68.02	53.61	70.38	79.07	79.38	81.45	80.99	72.23	76.67	82.16	82.68
Long-Term Debt/Total Assets (%)	- -	3.92	8.54	16.38	21.4	13.51	16.22	24.78	19.97	22.07	20.1	13.55	16.74	20.56	20.45
Total Debt/Equity (%)	- -	14.32	47.74	95.77	134.87	166.28	150.39	258.81	211.87	250.97	244.12	156.82	266.26	405.57	411.88
Total Debt/Capital (%)	- -	23.26	46.45	62.52	68.02	72.39	70.38	79.07	79.38	81.45	80.99	72.23	76.67	82.16	82.68
Total Debt/Total Assets (%)	- -	3.92	8.54	16.38	21.4	18.24	16.22	24.78	19.97	22.07	20.1	13.55	16.74	20.56	20.45
CFO/Total Liabilities	- -	2.11	1.2	1.05	1.25	1.29	0.87	-0.41	0.69	0.71	0.46	1.04	1.18	0.28	0.26
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.83	1.56	9.03	2.37	1.04	1.74
Altman's Z-Score	0.2	0.22	0.21	0.21	0.19	0.13	0.23	0.21	0.15	0.11	0.14	0.17	0.15	0.12	0.09

Working Capital (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	- -	- -	- -	- -	- -	- -	30	28	26	- -	30	38	35	28	- -
- Cash & Cash Equivalents	19	6	10	12	6	8	33	10	16	12	9	9	12	13	9
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	5	15	30	40	48	45	73	72	95	95	65	87	130	130
Enterprise Value	-19	-1	5	18	34	40	41	91	82	83	117	94	109	145	121
Total Capital	16	21	32	48	59	67	64	92	91	117	117	90	113	158	157
Total Debt/Capital (%)	- -	23.26	46.45	62.52	68.02	72.39	70.38	79.07	79.38	81.45	80.99	72.23	76.67	82.16	82.68
Total Debt / EV	- -	-4.08	3.2	1.71	1.17	1.19	1.09	0.8	0.88	1.15	0.82	0.69	0.8	0.9	1.07
EV/Sales	1.54	3.97	0.69	2.4	4.08	5.09	4.52	9.85	8.86	5.19	7.56	4.71	6.18	7.33	6.57
EV/EBITDA	49.2	142.69	2.62	8.48	210.95	45.38	14.42	39.24	96.12	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	3.06	10.84	- -	145.12	16.96	46.37	142.08	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	10.64	2.71	11.03	17.31	13.31	19.23	- -	36.27	29.88	57.95	20.71	18.99	87.32	77.02
EV/Free Cash Flow to Firm	- -	10.64	2.71	11.03	17.31	13.31	19.23	- -	36.27	23.69	35.32	18.64	13.36	44.53	48.9
Diluted Market Cap	- -	- -	- -	- -	- -	- -	31	29	26	- -	30	38	35	28	- -
Diluted Enterprise Value	-19	-1	5	18	34	40	42	92	82	83	117	94	109	145	121
EV per Share	2.17	10.15	2.55	11	23.04	27.83	27.43	61.08	47.5	- -	67.26	54.3	64.35	86.44	- -
TTM Sales	3	5	7	7	8	8	9	9	9	16	15	20	18	20	18
TTM EBITDA	- -	- -	2	2	- -	1	3	2	1	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	2	2	- -	- -	2	2	1	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	2	2	2	2	3	2	-1	2	3	2	5	6	2	2
TTM Free Cash Flow to Firm	- -	2	2	2	2	3	2	-1	2	3	3	5	8	3	2

Multiples (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	14.42	-26.24	11.51	- -	9.19	7.55	4.26	8.65	- -
EV/EBIT	- -	- -	3.06	10.84	- -	145.12	16.96	46.37	142.08	- -	- -	- -	- -	- -	- -
Enterprise Value	-19	-1	5	18	34	40	41	91	82	83	117	94	109	145	121
Low Price	- -	- -	- -	- -	- -	- -	18.9	18.28	15.07	18.45	15.02	15.1	20.05	16.25	12.25
EV/Sales	1.54	3.97	0.69	2.4	4.08	5.09	4.52	9.85	8.86	5.19	7.56	4.71	6.18	7.33	6.57
EV/EBITDA	49.2	142.69	2.62	8.48	210.95	45.38	14.42	39.24	96.12	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	19.38	20.8	50.23	- -	17.28	10.09	14.26	9.85	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	19.5	23.61	60.42	- -	18.87	8.42	14.83	10.29	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	20.74	25.32	69.4	- -	21.53	10.33	17.36	12.02	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	18.53	20.31	50.23	- -	14.83	6.93	13.95	9.53	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	1.57	1.44	1.38	- -	1.36	1.53	1.32	1	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	1.58	1.64	1.66	- -	1.48	1.27	1.37	1.04	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	1.68	1.76	1.91	- -	1.69	1.56	1.6	1.22	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	1.5	1.41	1.38	- -	1.17	1.05	1.29	0.96	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	1.06	1.06	0.96	- -	0.93	1.08	1.32	1.09	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	1.07	1.2	1.16	- -	1.01	0.9	1.37	1.14	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	1.14	1.29	1.33	- -	1.15	1.11	1.6	1.33	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	1.02	1.03	0.96	- -	0.8	0.74	1.29	1.05	- -
Price/Sales	- -	- -	- -	- -	- -	- -	3.26	3.02	2.81	- -	1.97	1.91	1.97	1.42	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	3.28	3.43	3.38	- -	2.15	1.59	2.05	1.49	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	3.48	3.67	3.88	- -	2.45	1.95	2.4	1.74	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	3.11	2.95	2.81	- -	1.69	1.31	1.93	1.38	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	13.86	-25.36	11.51	- -	15.08	8.39	6.05	16.97	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	13.94	-28.79	13.84	- -	16.46	7	6.29	17.73	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	14.83	-30.88	15.9	- -	18.78	8.58	7.37	20.71	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	13.25	-24.77	11.51	- -	12.94	5.76	5.92	16.42	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	14.51	-29.79	13.84	- -	10.03	6.3	4.43	9.04	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	15.43	-31.94	15.9	- -	11.45	7.73	5.18	10.56	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	13.79	-25.62	11.51	- -	7.89	5.19	4.16	8.37	- -
EV/Sales Average	0.86	3.54	0.69	2.4	4.08	5.09	4.54	10.26	9.43	5.19	7.74	4.39	6.26	7.39	6.57
EV/Sales High	1.58	4.26	0.69	2.4	4.08	5.09	4.74	10.5	9.93	5.19	8.04	4.75	6.61	7.64	6.57
EV/Sales Low	- -	3.04	0.69	2.4	4.08	5.09	4.37	9.78	8.86	5.19	7.28	4.11	6.14	7.28	6.57
EV/EBITDA Average	-188	-8.42	2.62	8.48	210.95	45.38	14.48	40.87	102.3	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-188	-8.42	2.62	8.48	210.95	45.38	15.15	41.86	107.75	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-188	-8.42	2.62	8.48	210.95	45.38	13.96	38.96	96.12	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	3.06	10.84	- -	145.12	17.04	48.3	151.23	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	3.06	10.84	- -	145.12	17.82	49.46	159.28	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	3.06	10.84	- -	145.12	16.43	46.04	142.08	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	19.77	18.72	15.07	20.35	17.5	21.99	20.5	16.8	13.18
High Price	- -	- -	- -	- -	- -	- -	21.15	22.79	20.82	22.5	21.8	22.5	24.96	20.5	18.49
Enterprise Value Average	-19	-1	5	18	34	40	41	95	87	83	119	88	110	146	121
Enterprise Value High	-19	-1	5	18	34	40	43	97	92	83	124	95	117	151	121
Enterprise Value Low	-19	-1	5	18	34	40	40	90	82	83	112	82	108	144	121

	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	2	2	2	2	2	2	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	2	2	2	2	2	2	2	2	2	- -	2	2	2	2	- -
Basic Weighted Avg Shares	2	2	2	2	1	1	2	1	2	- -	2	2	2	2	- -
Revenue per Share	1.41	2.56	3.72	4.59	5.64	5.46	6.07	6.2	5.36	- -	8.9	11.54	10.41	11.8	- -
EBITDA per Share	0.04	0.07	0.97	1.3	0.11	0.61	1.9	1.56	0.49	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	0.83	1.01	- -	0.19	1.62	1.32	0.33	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.26	0.56	0.63	0.73	1.1	0.21	1.02	0.9	0.3	- -	1.01	2.18	1.44	1.7	- -
Basic EPS from Cont Ops	0.26	0.56	0.63	0.73	1.1	0.21	1.02	0.9	0.3	- -	1.01	2.18	1.44	1.7	- -
Diluted EPS, GAAP	0.26	0.56	0.61	0.7	1.04	0.2	0.98	0.87	0.3	- -	1.01	2.18	1.44	1.7	- -
Diluted EPS from Cont Ops	0.26	0.56	0.61	0.7	1.04	0.2	0.98	0.87	0.3	- -	1.01	2.18	1.44	1.7	- -
Dividend per Share	- -	0.07	0.2	0.3	0.45	0.62	0.64	0.64	0.59	- -	0.62	0.62	0.63	0.64	- -
Cash Flow per Share	- -	0.95	0.94	1	1.33	2.09	1.43	-0.74	1.31	- -	1.16	2.62	3.39	0.99	- -
Free Cash Flow per Basic Share	- -	0.95	0.94	1	1.33	2.09	1.43	-0.74	1.31	- -	0.42	2.33	1.96	0.04	- -
Cash & Equivalents per Share	8.27	3.04	5.6	7.79	3.99	5.33	22.3	6.68	9.53	- -	5.08	5.19	7.36	7.99	- -
Book Value per Share	6.82	8.06	9.4	11.27	12.71	12.65	12.61	12.98	10.9	- -	12.88	14.41	15.59	16.85	- -
Tangible Book Value per Share	16.07	17.05	15.8	18.25	18.63	18.55	18.62	17.69	15.68	- -	18.87	20.32	15.56	15.42	- -

First Bancorp of Indiana, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)