First Bancorp of Indiana (OTCMKTS:FBPI) vs. Northeast Bancorp (NASDAQ:NBN) Critical Survey

Northeast Bancorp (NASDAQ:NBN) and First Bancorp of Indiana (OTCMKTS:FBPI) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their dividends, risk, analyst recommendations, profitability, institutional ownership, earnings and valuation.

Dividends

Northeast Bancorp pays an annual dividend of $0.04 per share and has a dividend yield of 0.0%. First Bancorp of Indiana pays an annual dividend of $0.20 per share and has a dividend yield of 1.7%. Northeast Bancorp pays out 0.4% of its earnings in the form of a dividend.

Profitability

This table compares Northeast Bancorp and First Bancorp of Indiana’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Northeast Bancorp	23.77%	18.56%	2.02%
First Bancorp of Indiana	N/A	N/A	N/A

Earnings & Valuation

This table compares Northeast Bancorp and First Bancorp of Indiana”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Northeast Bancorp	$351.00 million	2.38	$83.44 million	$10.08	10.08
First Bancorp of Indiana	N/A	N/A	N/A	N/A	N/A

Northeast Bancorp has higher revenue and earnings than First Bancorp of Indiana.

Risk & Volatility

Northeast Bancorp has a beta of 0.63, indicating that its share price is 37% less volatile than the S&P 500. Comparatively, First Bancorp of Indiana has a beta of 0.19, indicating that its share price is 81% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and price targets for Northeast Bancorp and First Bancorp of Indiana, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Northeast Bancorp	0	1	0	0	2.00
First Bancorp of Indiana	0	0	0	0	0.00

Northeast Bancorp currently has a consensus price target of $115.00, indicating a potential upside of 13.16%. Given Northeast Bancorp’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Northeast Bancorp is more favorable than First Bancorp of Indiana.

Summary

Northeast Bancorp beats First Bancorp of Indiana on 7 of the 9 factors compared between the two stocks.

About Northeast Bancorp

Northeast Bank provides banking services to individual and corporate customers in Maine. The company's deposit products include demand deposit, NOW, money market, savings, certificate of deposit, and individual retirement accounts, as well as checking accounts. Its loan portfolio comprises residential mortgage loans; multi-family and other commercial real estate loans; commercial and industrial loans, such as term loans, lines of credit and equipment, and receivables financing; consumer loans comprising mobile home and overdraft, and deposit-secured loans; and small business administration loans. In addition, the company offers telephone banking, online banking and bill payment, mobile banking, cash management, and remote deposit capture services, as well as debit and credit card, ATM, electronic transfer, and check services. Further, it provides various services, such as money market, merchant, and payroll and HR. Northeast Bank was founded in 1872 and is headquartered in Portland, Maine.

About First Bancorp of Indiana

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.