FIRST INTERNET BANCORP (INBK) Fundamental Analysis & Valuation
NASDAQ:INBK • US3205571017
20.13 USD
-0.26 (-1.28%)
At close: Mar 5, 2026
20.13 USD
0 (0%)
After Hours: 3/5/2026, 4:30:03 PM
This INBK fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
INBK gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. INBK may be in some trouble as it scores bad on both profitability and health. INBK has a decent growth rate and is not valued too expensively.
1. INBK Profitability Analysis
1.1 Basic Checks
- INBK had negative earnings in the past year.
- INBK had a negative operating cash flow in the past year.
- Of the past 5 years INBK 4 years were profitable.
- INBK had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- INBK's Return On Assets of -0.59% is on the low side compared to the rest of the industry. INBK is outperformed by 94.46% of its industry peers.
- INBK's Return On Equity of -9.41% is on the low side compared to the rest of the industry. INBK is outperformed by 94.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.59% | ||
| ROE | -9.41% | ||
| ROIC | N/A |
ROA(3y)-0.01%
ROA(5y)0.38%
ROE(3y)-0.29%
ROE(5y)4.3%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin and 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) | N/A | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. INBK Health Analysis
2.1 Basic Checks
- INBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, INBK has more shares outstanding
- INBK has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for INBK is higher compared to a year ago.
2.2 Solvency
- INBK has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of INBK (0.30) is worse than 65.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC25.86%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. INBK Growth Analysis
3.1 Past
- INBK shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -122.84%.
- Looking at the last year, INBK shows a very negative growth in Revenue. The Revenue has decreased by -13.55% in the last year.
- The Revenue has been growing slightly by 2.93% on average over the past years.
EPS 1Y (TTM)-122.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-22.89%
Revenue 1Y (TTM)-13.55%
Revenue growth 3Y-0.55%
Revenue growth 5Y2.93%
Sales Q2Q%-13.79%
3.2 Future
- INBK is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 205.20% yearly.
- Based on estimates for the next years, INBK will show a very strong growth in Revenue. The Revenue will grow by 23.79% on average per year.
EPS Next Y561.06%
EPS Next 2Y205.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year35.65%
Revenue Next 2Y23.79%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
- 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.
4. INBK Valuation Analysis
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for INBK. In the last year negative earnings were reported.
- With a Price/Forward Earnings ratio of 6.62, the valuation of INBK can be described as very cheap.
- 95.51% of the companies in the same industry are more expensive than INBK, based on the Price/Forward Earnings ratio.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.82, INBK is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.62 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as INBK's earnings are expected to grow with 205.20% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y205.2%
EPS Next 3YN/A
5. INBK Dividend Analysis
5.1 Amount
- INBK has a Yearly Dividend Yield of 1.17%. Purely for dividend investing, there may be better candidates out there.
- With a Dividend Yield of 1.17, INBK pays less dividend than the industry average, which is at 2.73. 81.27% of the companies listed in the same industry pay a better dividend than INBK!
- Compared to the average S&P500 Dividend Yield of 1.82, INBK is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.17% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-0.26%
Div Incr Years0
Div Non Decr Years11
5.3 Sustainability
- INBK has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-6.25%
EPS Next 2Y205.2%
EPS Next 3YN/A
INBK Fundamentals: All Metrics, Ratios and Statistics
20.13
-0.26 (-1.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29 2026-01-29/amc
Earnings (Next)04-21 2026-04-21
Inst Owners71.67%
Inst Owner Change-4.9%
Ins Owners7.92%
Ins Owner Change4.05%
Market Cap174.93M
Revenue(TTM)116.47M
Net Income(TTM)-33.13M
Analysts78
Price Target26.21 (30.2%)
Short Float %1.6%
Short Ratio2.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.17% |
Yearly Dividend0.24
Dividend Growth(5Y)-0.26%
DP-6.25%
Div Incr Years0
Div Non Decr Years11
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-195.72%
Min EPS beat(2)-298.09%
Max EPS beat(2)-93.34%
EPS beat(4)0
Avg EPS beat(4)-122.09%
Min EPS beat(4)-298.09%
Max EPS beat(4)-11.17%
EPS beat(8)2
Avg EPS beat(8)-55.28%
EPS beat(12)4
Avg EPS beat(12)-46.45%
EPS beat(16)6
Avg EPS beat(16)-35.74%
Revenue beat(2)0
Avg Revenue beat(2)-3.93%
Min Revenue beat(2)-3.99%
Max Revenue beat(2)-3.87%
Revenue beat(4)1
Avg Revenue beat(4)9.18%
Min Revenue beat(4)-3.99%
Max Revenue beat(4)47.15%
Revenue beat(8)2
Avg Revenue beat(8)3.38%
Revenue beat(12)3
Avg Revenue beat(12)1.89%
Revenue beat(16)7
Avg Revenue beat(16)5.08%
PT rev (1m)-5.17%
PT rev (3m)-3.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.66%
EPS NY rev (1m)-28.87%
EPS NY rev (3m)-28.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.21%
Revenue NY rev (1m)8.21%
Revenue NY rev (3m)8.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.62 | ||
| P/S | 1.53 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.5 | ||
| P/tB | 0.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.66
EYN/A
EPS(NY)3.04
Fwd EY15.12%
FCF(TTM)-3.21
FCFYN/A
OCF(TTM)-3.04
OCFYN/A
SpS13.15
BVpS40.53
TBVpS39.99
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.59% | ||
| ROE | -9.41% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)-0.01%
ROA(5y)0.38%
ROE(3y)-0.29%
ROE(5y)4.3%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score1
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 18.73% | ||
| Cap/Sales | 1.26% | ||
| 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-Score1
WACC25.86%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-122.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-22.89%
EPS Next Y561.06%
EPS Next 2Y205.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-13.55%
Revenue growth 3Y-0.55%
Revenue growth 5Y2.93%
Sales Q2Q%-13.79%
Revenue Next Year35.65%
Revenue Next 2Y23.79%
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-196.24%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-184.04%
OCF growth 3YN/A
OCF growth 5YN/A
FIRST INTERNET BANCORP / INBK FAQ
What is the fundamental rating for INBK stock?
ChartMill assigns a fundamental rating of 2 / 10 to INBK.
What is the valuation status for INBK stock?
ChartMill assigns a valuation rating of 4 / 10 to FIRST INTERNET BANCORP (INBK). This can be considered as Fairly Valued.
How profitable is FIRST INTERNET BANCORP (INBK) stock?
FIRST INTERNET BANCORP (INBK) has a profitability rating of 1 / 10.
Can you provide the expected EPS growth for INBK stock?
The Earnings per Share (EPS) of FIRST INTERNET BANCORP (INBK) is expected to grow by 561.06% in the next year.
Can you provide the dividend sustainability for INBK stock?
The dividend rating of FIRST INTERNET BANCORP (INBK) is 3 / 10 and the dividend payout ratio is -6.25%.