INBK Fundamental Analysis - FIRST INTERNET BANCORP

Fundamental Rating

Taking everything into account, INBK scores 3 out of 10 in our fundamental rating. INBK was compared to 393 industry peers in the Banks industry. INBK may be in some trouble as it scores bad on both profitability and health. INBK is not priced too expensively while it is growing strongly. Keep and eye on this one!

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1. Profitability

1.1 Basic Checks

INBK had positive earnings in the past year.

INBK had a negative operating cash flow in the past year.

In the past 5 years INBK has always been profitable.

INBK had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

INBK's Return On Assets of 0.25% is on the low side compared to the rest of the industry. INBK is outperformed by 84.73% of its industry peers.

INBK's Return On Equity of 3.96% is on the low side compared to the rest of the industry. INBK is outperformed by 79.90% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.25%
ROE	3.96%
ROIC	N/A

ROA(3y)0.46%

ROA(5y)0.64%

ROE(3y)6.21%

ROE(5y)8.04%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of INBK (10.86%) is worse than 81.68% of its industry peers.

INBK's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for INBK so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	10.86%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-22.49%

PM growth 5Y-9.89%

GM growth 3YN/A

GM growth 5YN/A

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

INBK does not have a ROIC to compare to the WACC, probably because it is not profitable.

INBK has more shares outstanding than it did 1 year ago.

Compared to 5 years ago, INBK has less shares outstanding

The debt/assets ratio for INBK has been reduced compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 0.27 indicates that INBK is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.27, INBK is not doing good in the industry: 66.41% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.27
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC25%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for INBK have decreased strongly by -17.37% in the last year.

The Earnings Per Share has been growing slightly by 2.86% on average over the past years.

INBK shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.49%.

The Revenue has been growing by 11.04% on average over the past years. This is quite good.

EPS 1Y (TTM)-17.37%

EPS 3Y-15.14%

EPS 5Y2.86%

EPS Q2Q%-97.01%

Revenue 1Y (TTM)25.49%

Revenue growth 3Y4.11%

Revenue growth 5Y11.04%

Sales Q2Q%29.53%

3.2 Future

The Earnings Per Share is expected to grow by 32.99% on average over the next years. This is a very strong growth

Based on estimates for the next years, INBK will show a very strong growth in Revenue. The Revenue will grow by 30.48% on average per year.

EPS Next Y-38.76%

EPS Next 2Y32.99%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year34.76%

Revenue Next 2Y30.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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Find the best growth stocks

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 14.37, INBK is valued correctly.

INBK's Price/Earnings ratio is a bit more expensive when compared to the industry. INBK is more expensive than 62.85% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.17. INBK is valued slightly cheaper when compared to this.

The Price/Forward Earnings ratio is 4.95, which indicates a rather cheap valuation of INBK.

96.69% of the companies in the same industry are more expensive than INBK, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of INBK to the average of the S&P500 Index (22.78), we can say INBK is valued rather cheaply.

		Industry Rank	Sector Rank
PE	14.37
Fwd PE	4.95

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

INBK's earnings are expected to grow with 32.99% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)5.02

EPS Next 2Y32.99%

EPS Next 3YN/A

More info and screens

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.02%, INBK has a reasonable but not impressive dividend return.

With a Dividend Yield of 1.02, INBK pays less dividend than the industry average, which is at 3.30. 81.68% of the companies listed in the same industry pay a better dividend than INBK!

Compared to an average S&P500 Dividend Yield of 2.34, INBK's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.02%

5.2 History

The dividend of INBK decreases each year by -0.26%.

INBK has paid a dividend for at least 10 years, which is a reliable track record.

INBK has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)-0.26%

Div Incr Years0

Div Non Decr Years11

5.3 Sustainability

13.47% of the earnings are spent on dividend by INBK. This is a low number and sustainable payout ratio.

DP13.47%

EPS Next 2Y32.99%

EPS Next 3YN/A

More info and screens

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FIRST INTERNET BANCORP

NASDAQ:INBK (8/28/2025, 8:18:34 PM)

After market: 25.29 0 (0%)

25.29

-0.04 (-0.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-23 2025-07-23/amc

Earnings (Next)10-21 2025-10-21/amc

Inst Owners70.96%

Inst Owner Change10.64%

Ins Owners7.8%

Ins Owner Change1.86%

Market Cap220.28M

Analysts76.36

Price Target29.58 (16.96%)

Short Float %1.03%

Short Ratio1.48

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.02%

Yearly Dividend0.24

Dividend Growth(5Y)-0.26%

DP13.47%

Div Incr Years0

Div Non Decr Years11

Ex-Date06-30 2025-06-30 (0.06)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-89.55%

Min EPS beat(2)-93.34%

Max EPS beat(2)-85.75%

EPS beat(4)0

Avg EPS beat(4)-49.08%

Min EPS beat(4)-93.34%

Max EPS beat(4)-6.07%

EPS beat(8)3

Avg EPS beat(8)-17.16%

EPS beat(12)4

Avg EPS beat(12)-23.51%

EPS beat(16)7

Avg EPS beat(16)-16.49%

Revenue beat(2)0

Avg Revenue beat(2)-3.23%

Min Revenue beat(2)-3.87%

Max Revenue beat(2)-2.59%

Revenue beat(4)1

Avg Revenue beat(4)7.88%

Min Revenue beat(4)-9.19%

Max Revenue beat(4)47.15%

Revenue beat(8)2

Avg Revenue beat(8)2.84%

Revenue beat(12)4

Avg Revenue beat(12)2.25%

Revenue beat(16)8

Avg Revenue beat(16)6.59%

PT rev (1m)-2.03%

PT rev (3m)2.84%

EPS NQ rev (1m)-39.65%

EPS NQ rev (3m)-40.23%

EPS NY rev (1m)-37.7%

EPS NY rev (3m)-37.02%

Revenue NQ rev (1m)-0.91%

Revenue NQ rev (3m)4.94%

Revenue NY rev (1m)-0.32%

Revenue NY rev (3m)0.67%

Valuation

		Industry Rank	Sector Rank
PE	14.37
Fwd PE	4.95
P/S	1.55
P/FCF	N/A
P/OCF	N/A
P/B	0.56
P/tB	0.57
EV/EBITDA	N/A

EPS(TTM)1.76

EY6.96%

EPS(NY)5.11

Fwd EY20.21%

FCF(TTM)-7.49

FCFYN/A

OCF(TTM)-7.27

OCFYN/A

SpS16.34

BVpS44.8

TBVpS44.27

PEG (NY)N/A

PEG (5Y)5.02

Profitability

		Industry Rank	Sector Rank
ROA	0.25%
ROE	3.96%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	10.86%
GM	N/A
FCFM	N/A

ROA(3y)0.46%

ROA(5y)0.64%

ROE(3y)6.21%

ROE(5y)8.04%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-22.49%

PM growth 5Y-9.89%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.02

Health

		Industry Rank	Sector Rank
Debt/Equity	0.27
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	25.37%
Cap/Sales	1.35%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC25%

ROIC/WACCN/A

Cap/Depr(3y)108.23%

Cap/Depr(5y)198.31%

Cap/Sales(3y)7.34%

Cap/Sales(5y)14.48%

Profit Quality(3y)99.94%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-17.37%

EPS 3Y-15.14%

EPS 5Y2.86%

EPS Q2Q%-97.01%

EPS Next Y-38.76%

EPS Next 2Y32.99%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)25.49%

Revenue growth 3Y4.11%

Revenue growth 5Y11.04%

Sales Q2Q%29.53%

Revenue Next Year34.76%

Revenue Next 2Y30.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-465.51%

FCF growth 3Y-25.3%

FCF growth 5YN/A

OCF growth 1Y-344.8%

OCF growth 3Y-38.12%

OCF growth 5YN/A

FIRST INTERNET BANCORP (INBK) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens