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
As of date	06/30/1999	06/30/2000	06/30/2001	06/30/2002	06/30/2003	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024

Return on Common Equity (%)	2.33	3.21	3.49	3.71	5.36	1.04	5.2	4.61	1.66	5.83	4.57	9.4	6.57	8.83	4.83
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 (%)	2.33	2.8	2.41	2.2	3.19	-2.02	1.95	1.33	-1.61	2.82	1.75	6.73	3.67	5.5	1.45

Credit (USD)

Credit Ratios API ChatGPT

	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
As of date	06/30/1999	06/30/2000	06/30/2001	06/30/2002	06/30/2003	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024

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	29.25	27.39	17.89	17.1	15.86	10.97	10.79	9.58	9.43	8.79	8.23	8.64	6.29	5.07	4.96
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 (%)	- -	12.53	32.31	48.92	57.42	46.24	60.06	72.13	67.93	71.51	70.94	61.06	72.7	80.22	80.46
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 (%)	- -	12.53	32.31	48.92	57.42	62.45	60.06	72.13	67.93	71.51	70.94	61.06	72.7	80.22	80.46
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 (%)	-106.21	-3.64	12.99	35.92	53.48	58.25	27.77	69.09	62.08	-10.14	-7.03	-9.23	-11.67	-9	-5.61
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)

Liquidity Ratios API ChatGPT

	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
As of date	06/30/1999	06/30/2000	06/30/2001	06/30/2002	06/30/2003	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	29.25	27.39	17.89	17.1	15.86	10.97	10.79	9.58	9.43	8.79	8.23	8.64	6.29	5.07	4.96
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 (%)	- -	12.53	32.31	48.92	57.42	46.24	60.06	72.13	67.93	71.51	70.94	61.06	72.7	80.22	80.46
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 (%)	- -	12.53	32.31	48.92	57.42	62.45	60.06	72.13	67.93	71.51	70.94	61.06	72.7	80.22	80.46
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	0.24	0.21	0.16	0.16	0.14	0.17	0.15	0.12	0.11

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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
As of date	06/30/1999	06/30/2000	06/30/2001	06/30/2002	06/30/2003	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024

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)

Enterprise Value API ChatGPT

	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
As of date	06/30/1999	06/30/2000	06/30/2001	06/30/2002	06/30/2003	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024

Market Capitalization	- -	- -	- -	- -	- -	- -	32	30	28	35	30	38	35	28	22
- 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	43	93	84	118	117	94	109	145	143
Total Capital	36	40	46	61	70	77	75	101	107	133	134	107	119	162	161
Total Debt/Capital (%)	- -	12.53	32.31	48.92	57.42	62.45	60.06	72.13	67.93	71.51	70.94	61.06	72.7	80.22	80.46
Total Debt / EV	- -	-4.08	3.2	1.71	1.17	1.19	1.04	0.79	0.87	0.8	0.82	0.69	0.8	0.9	0.91
EV/Sales	1.54	3.97	0.69	2.4	4.08	5.09	4.75	10.05	9.03	7.4	7.56	4.71	6.18	7.33	7.76
EV/EBITDA	49.2	142.69	2.62	8.48	210.95	45.38	15.16	40.04	97.97	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	3.06	10.84	- -	145.12	17.83	47.31	144.82	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	10.64	2.71	11.03	17.31	13.31	20.21	- -	36.97	42.61	57.95	20.71	18.99	87.32	91.01
EV/Free Cash Flow to Firm	- -	10.64	2.71	11.03	17.31	13.31	20.21	- -	36.97	33.78	35.32	18.64	13.36	44.53	57.79
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	2.21	10.63	20.82	25.13	26.92	58.46	45.64	68.13	67.26	54.3	64.35	86.44	85.72
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)

Valuation Multiples API ChatGPT

	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
As of date	06/30/1999	06/30/2000	06/30/2001	06/30/2002	06/30/2003	06/30/2004	06/30/2005	06/30/2006	06/30/2007	06/30/2019	06/30/2020	06/30/2021	06/30/2022	06/30/2023	06/30/2024

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	17.83	47.31	144.82	- -	- -	- -	- -	- -	- -
Enterprise Value	-19	-1	5	18	34	40	43	93	84	118	117	94	109	145	143
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	4.75	10.05	9.03	7.4	7.56	4.71	6.18	7.33	7.76
EV/EBITDA	49.2	142.69	2.62	8.48	210.95	45.38	15.16	40.04	97.97	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	1.06	1.05	0.81	0.93	0.78	0.92	1.07	0.88	0.7
Price/Book Value Average	- -	- -	- -	- -	- -	- -	1.07	1.2	0.97	0.91	0.85	0.77	1.11	0.92	0.76
Price/Book Value High	- -	- -	- -	- -	- -	- -	1.14	1.28	1.12	1.03	0.97	0.94	1.3	1.07	0.98
Price/Book Value Low	- -	- -	- -	- -	- -	- -	1.02	1.03	0.81	0.84	0.67	0.63	1.04	0.85	0.65
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	1.14	1.13	1.02	1.11	0.93	1.08	1.32	1.09	0.87
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	1.14	1.28	1.23	1.09	1.01	0.9	1.37	1.14	0.95
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	1.22	1.37	1.41	1.23	1.15	1.11	1.6	1.33	1.22
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	1.09	1.1	1.02	1.01	0.8	0.74	1.29	1.05	0.81
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	4.77	10.48	9.63	7.36	7.74	4.39	6.26	7.39	7.87
EV/Sales High	1.58	4.26	0.69	2.4	4.08	5.09	4.99	10.75	10.17	7.63	8.04	4.75	6.61	7.64	8.24
EV/Sales Low	- -	3.04	0.69	2.4	4.08	5.09	4.6	9.97	9.03	7.19	7.28	4.11	6.14	7.28	7.68
EV/EBITDA Average	-188	-8.42	2.62	8.48	210.95	45.38	15.23	41.77	104.53	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-188	-8.42	2.62	8.48	210.95	45.38	15.94	42.82	110.31	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-188	-8.42	2.62	8.48	210.95	45.38	14.67	39.74	97.97	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	3.06	10.84	- -	145.12	17.91	49.36	154.52	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	3.06	10.84	- -	145.12	18.75	50.6	163.07	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	3.06	10.84	- -	145.12	17.26	46.95	144.82	- -	- -	- -	- -	- -	- -
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	44	97	89	118	119	88	110	146	145
Enterprise Value High	-19	-1	5	18	34	40	46	99	94	122	124	95	117	151	152
Enterprise Value Low	-19	-1	5	18	34	40	42	92	84	115	112	82	108	144	142

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	2.92	4.86	7.53	3.61	4.82	20.82	6.27	8.99	7.06	5.08	5.19	7.36	7.99	5.12
Book Value per Share	16.07	16.37	14.8	18.97	18.11	18.01	18.59	17.78	18.67	21.85	22.46	23.91	19.23	19.14	18.86
Tangible Book Value per Share	16.07	16.37	13.69	17.64	16.84	16.75	17.38	16.6	14.79	18.26	18.87	20.32	15.56	15.42	15.13

First Bancorp of Indiana, Inc.