First Internet Bancorp (INBK)

NMS – Real Time Price. Currency in USD

29.16

-0.12 (-0.41%)

Market open: Aug 12, 2026, 2:10 PM EDT

29.37

+0.09 (0.31%)

Previous after-hours: Aug 11, 2026, 5:17 PM EDT

Stock details

Previous close: 29.28$
Day's range: 29.28 - 29.98$
52-week range: 17.05 - 31.09$
Volume: 26 741
Average volume: 58 407
Beta: 0.36
EPS (TTM): -3.59
PE ratio (TTM): N/A
Forward P/E: 12.39
Market cap: 255 719 050
Shares outstanding: 8 733 574
Dividend yield: $0.82 (0.82%)
Next earnings date: 2026-10-28
Sector: Financials
Industry: Banks - Regional

About the company

First Internet Bancorp operates as the bank holding company for First Internet Bank of Indiana that provides various commercial, small business, consumer, and municipal banking products and services to individuals and commercial customers in the United States. The company offers noninterest-bearing and interest-bearing demand deposits, savings accounts, and money market accounts, as well as certificates of deposit and brokere... read more

CEO: David Becker
Country: United States
IPO Date
Employees: 355
Fiscal Year End: January - December
Website: https://www.firstinternetba...

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: INBK

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Overall Score

4 / 1040%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $345.1M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.9) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.15	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.95	0.05	6.0
Debt to Assets	0.06	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	179M	266M	339M	323M	322M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	40M	5M	28M	-51M	-46M
Net Income	36M	8M	25M	-35M	-31M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	3.86	0.44	3.0
Net margin %	5.76	32.70	5.0
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			2.2

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	-0.58	1.46	1.0
ROE	-8.94	14.94	1.0
ROIC	-4.31	0.00	1.0
ROCE	N/A	0.00	1.0
Weighted average score			1.0

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	5.11	152.73	7.5
Next quarter	15.42	65.31	9.5
Current year	16.53	458.18	9.5
Next year	12.05	94.75	8.5
Weighted average score			8.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-2.29	-5.65	-6.89	588.36	3.3
Y/Y	-1.29	1126.42	1250	2198.44	7.8
3y average	23.83	-38.37	-47.22	99.7	5.5
5y average	15.21	-15.57	-22.04	129.5	5.3
Weighted average score					5.5

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	12.39	11.16	6.4
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.07	3.37	5.6
P/B	0.70	1.53	9.4
Weighted average score			5.6

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR8.01%

FCF 5 year CAGR4

Fair value30.02$

Stock price29.28$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.98	0.98	4.0
Payout ratio	4.97	4.97	2.0
5-year dividend growth rate	0.00	0.00	1.0
Years of dividend increase	0.00	0.00	1.0
Weighted average score			2.0

Fair Value

$30.02

UndervaluedStock priceOvervalued

$29.28

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

David Becker

Country

United States

IPO Date

Employees

355

Fiscal Year End

January - December

Website

https://www.firstinternetba...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.15

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.95

0.05

6.0

Debt to Assets

0.06

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

179M

266M

339M

323M

322M

Gross Profit

N/A

Operating Income

40M

28M

-51M

-46M

Net Income

36M

25M

-35M

-31M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

3.86

0.44

3.0

Net margin %

5.76

32.70

5.0

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

2.2

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

-0.58

1.46

1.0

ROE

-8.94

14.94

1.0

ROIC

-4.31

0.00

1.0

ROCE

N/A

0.00

1.0

Weighted average score

1.0

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

5.11

152.73

7.5

Next quarter

15.42

65.31

9.5

Current year

16.53

458.18

9.5

Next year

12.05

94.75

8.5

Weighted average score

8.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-2.29

-5.65

-6.89

588.36

3.3

Y/Y

-1.29

1126.42

1250

2198.44

7.8

3y average

23.83

-38.37

-47.22

99.7

5.5

5y average

15.21

-15.57

-22.04

129.5

5.3

Weighted average score

5.5

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

12.39

11.16

6.4

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.07

3.37

5.6

P/B

0.70

1.53

9.4

Weighted average score

5.6

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.98

4.0

Payout ratio

4.97

2.0

5-year dividend growth rate

0.00

1.0

Years of dividend increase

0.00

1.0

Weighted average score

2.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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First Internet Bancorp (INBK)

Stock details

About the company

Revenue Breakdown

News

Chart: INBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$30.02

$29.28

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: INBK

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$30.02

$29.28

Economic Moat