FIRST INTERNET BANCORP (INBK) Stock Fundamental Analysis

NASDAQ:INBK • US3205571017

20.27 USD
-0.51 (-2.45%)
Last: Feb 19, 2026, 08:08 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to INBK. INBK was compared to 381 industry peers in the Banks industry. INBK has a bad profitability rating. Also its financial health evaluation is rather negative. INBK has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year INBK has reported negative net income.
  • In the past year INBK has reported a negative cash flow from operations.
  • INBK had positive earnings in 4 of the past 5 years.
  • INBK had a positive operating cash flow in 4 of the past 5 years.
INBK Yearly Net Income VS EBIT VS OCF VS FCFINBK Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M -40M 60M 80M

1.2 Ratios

  • With a Return On Assets value of -0.59%, INBK is not doing good in the industry: 93.70% of the companies in the same industry are doing better.
  • INBK has a Return On Equity of -9.41%. This is amonst the worse of the industry: INBK underperforms 93.70% of its industry peers.
Industry RankSector 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
INBK Yearly ROA, ROE, ROICINBK Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • INBK does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
INBK Yearly Profit, Operating, Gross MarginsINBK Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • The number of shares outstanding for INBK has been reduced compared to 5 years ago.
  • The debt/assets ratio for INBK is higher compared to a year ago.
INBK Yearly Shares OutstandingINBK Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
INBK Yearly Total Debt VS Total AssetsINBK Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

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.
  • With a Debt to Equity ratio value of 0.30, INBK is not doing good in the industry: 65.35% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC25.8%
INBK Yearly LT Debt VS Equity VS FCFINBK Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
INBK Yearly Current Assets VS Current LiabilitesINBK Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The earnings per share for INBK have decreased strongly by -122.84% in the last year.
  • The Revenue for INBK has decreased by -13.55% in the past year. This is quite bad
  • Measured over the past years, INBK shows a small growth in Revenue. The Revenue has been growing by 2.93% on average per year.
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

  • The Earnings Per Share is expected to grow by 205.20% 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 23.40% on average per year.
EPS Next Y561.06%
EPS Next 2Y205.2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year25.07%
Revenue Next 2Y23.4%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
INBK Yearly Revenue VS EstimatesINBK Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
INBK Yearly EPS VS EstimatesINBK Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 1 2 3 4

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • INBK reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • The Price/Forward Earnings ratio is 6.66, which indicates a rather cheap valuation of INBK.
  • Based on the Price/Forward Earnings ratio, INBK is valued cheaper than 95.01% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.98. INBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 6.66
INBK Price Earnings VS Forward Price EarningsINBK Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 -20 -30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
INBK Per share dataINBK EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 20 30 40

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.
  • INBK's earnings are expected to grow with 205.20% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y205.2%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • INBK has a Yearly Dividend Yield of 1.15%.
  • With a Dividend Yield of 1.15, INBK pays less dividend than the industry average, which is at 2.78. 80.05% of the companies listed in the same industry pay a better dividend than INBK!
  • INBK's Dividend Yield is slightly below the S&P500 average, which is at 1.85.
Industry RankSector Rank
Dividend Yield 1.15%

5.2 History

  • The dividend of INBK decreases each year by -0.26%.
  • INBK has been paying a dividend for at least 10 years, so it has 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
INBK Yearly Dividends per shareINBK Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

  • The earnings of INBK are negative and hence is the payout ratio. INBK will probably not be able to sustain this dividend level.
DP-6.25%
EPS Next 2Y205.2%
EPS Next 3YN/A
INBK Yearly Income VS Free CF VS DividendINBK Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M -40M 60M

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FIRST INTERNET BANCORP

NASDAQ:INBK (2/19/2026, 8:08:28 PM)

20.27

-0.51 (-2.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-21
Inst Owners71.67%
Inst Owner Change-5.81%
Ins Owners7.92%
Ins Owner Change3.94%
Market Cap176.15M
Revenue(TTM)116.47M
Net Income(TTM)-33.13M
Analysts78
Price Target26.9 (32.71%)
Short Float %1.59%
Short Ratio2.15
Dividend
Industry RankSector Rank
Dividend Yield 1.15%
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)-2.68%
PT rev (3m)-3.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.66%
EPS NY rev (1m)-28.08%
EPS NY rev (3m)-28.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.21%
Revenue NY rev (1m)-0.23%
Revenue NY rev (3m)0.47%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 6.66
P/S 1.54
P/FCF N/A
P/OCF N/A
P/B 0.5
P/tB 0.51
EV/EBITDA N/A
EPS(TTM)-0.66
EYN/A
EPS(NY)3.04
Fwd EY15.01%
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 RankSector 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 RankSector 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
WACC25.8%
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 Year25.07%
Revenue Next 2Y23.4%
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%.