FIRST INTERNET BANCORP - INBK 3.68526 06/30/29 (INBKZ) Fundamental Analysis & Valuation

NASDAQ:INBKZ • US3205573096

Current stock price

24.252 USD
-0.06 (-0.26%)
Last:

This INBKZ fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. INBKZ Profitability Analysis

1.1 Basic Checks

  • In the past year INBKZ has reported negative net income.
  • In the past year INBKZ has reported a negative cash flow from operations.
  • Of the past 5 years INBKZ 4 years were profitable.
  • INBKZ had a positive operating cash flow in 4 of the past 5 years.
INBKZ Yearly Net Income VS EBIT VS OCF VS FCFINBKZ 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%, INBKZ is not doing good in the industry: 94.49% of the companies in the same industry are doing better.
  • INBKZ has a worse Return On Equity (-9.41%) than 94.75% 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
INBKZ Yearly ROA, ROE, ROICINBKZ Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • The Profit Margin and Operating Margin and Gross Margin are not available for INBKZ so they could not be analyzed.
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
INBKZ Yearly Profit, Operating, Gross MarginsINBKZ 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. INBKZ Health Analysis

2.1 Basic Checks

  • INBKZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for INBKZ has been increased compared to 1 year ago.
  • Compared to 5 years ago, INBKZ has less shares outstanding
  • The debt/assets ratio for INBKZ is higher compared to a year ago.
INBKZ Yearly Shares OutstandingINBKZ Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
INBKZ Yearly Total Debt VS Total AssetsINBKZ 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

  • INBKZ has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
  • INBKZ has a Debt to Equity ratio of 0.30. This is in the lower half of the industry: INBKZ underperforms 65.62% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.3
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC25.08%
INBKZ Yearly LT Debt VS Equity VS FCFINBKZ 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
INBKZ Yearly Current Assets VS Current LiabilitesINBKZ 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. INBKZ Growth Analysis

3.1 Past

  • INBKZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -122.84%.
  • The Revenue for INBKZ has decreased by -13.55% in the past year. This is quite bad
  • 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

  • The Earnings Per Share is expected to grow by 201.93% on average over the next years. This is a very strong growth
  • INBKZ is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.79% yearly.
EPS Next Y443.48%
EPS Next 2Y201.93%
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

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

4. INBKZ Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for INBKZ. In the last year negative earnings were reported.
  • INBKZ is valuated reasonably with a Price/Forward Earnings ratio of 10.70.
  • INBKZ's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.28, INBKZ is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 10.7
INBKZ Price Earnings VS Forward Price EarningsINBKZ Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
INBKZ Per share dataINBKZ 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.
  • A more expensive valuation may be justified as INBKZ's earnings are expected to grow with 201.93% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y201.93%
EPS Next 3YN/A

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

5

5. INBKZ Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.71%, INBKZ is a good candidate for dividend investing.
  • INBKZ's Dividend Yield is rather good when compared to the industry average which is at 2.90. INBKZ pays more dividend than 99.74% of the companies in the same industry.
  • INBKZ's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 8.71%

5.2 History

  • The dividend of INBKZ decreases each year by -0.26%.
  • INBKZ has been paying a dividend for over 5 years, so it has already some track record.
  • INBKZ has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-0.26%
Div Incr Years1
Div Non Decr Years4
INBKZ Yearly Dividends per shareINBKZ Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • INBKZ has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-6.25%
EPS Next 2Y201.93%
EPS Next 3YN/A
INBKZ Yearly Income VS Free CF VS DividendINBKZ 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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INBKZ Fundamentals: All Metrics, Ratios and Statistics

FIRST INTERNET BANCORP - INBK 3.68526 06/30/29

NASDAQ:INBKZ (3/20/2026, 8:01:37 PM)

24.252

-0.06 (-0.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-21
Inst Owners71.35%
Inst Owner ChangeN/A
Ins Owners8.23%
Ins Owner ChangeN/A
Market Cap210.75M
Revenue(TTM)116.47M
Net Income(TTM)-33.13M
Analysts76.36
Price Target32.16 (32.61%)
Short Float %0.02%
Short Ratio0.35
Dividend
Industry RankSector Rank
Dividend Yield 8.71%
Yearly Dividend0.24
Dividend Growth(5Y)-0.26%
DP-6.25%
Div Incr Years1
Div Non Decr Years4
Ex-Date02-13
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)4
Avg Revenue beat(12)3.39%
Revenue beat(16)8
Avg Revenue beat(16)6.2%
PT rev (1m)11.08%
PT rev (3m)-3.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.66%
EPS NY rev (1m)-25.5%
EPS NY rev (3m)-46.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.21%
Revenue NY rev (1m)8.46%
Revenue NY rev (3m)8.96%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 10.7
P/S 1.84
P/FCF N/A
P/OCF N/A
P/B 0.6
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)-0.66
EYN/A
EPS(NY)2.27
Fwd EY9.35%
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
WACC25.08%
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 Y443.48%
EPS Next 2Y201.93%
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 3.68526 06/30/29 / INBKZ Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST INTERNET BANCORP - INBK 3.68526 06/30/29?

ChartMill assigns a fundamental rating of 3 / 10 to INBKZ.


Can you provide the valuation status for FIRST INTERNET BANCORP - INBK 3.68526 06/30/29?

ChartMill assigns a valuation rating of 4 / 10 to FIRST INTERNET BANCORP - INBK 3.68526 06/30/29 (INBKZ). This can be considered as Fairly Valued.


How profitable is FIRST INTERNET BANCORP - INBK 3.68526 06/30/29 (INBKZ) stock?

FIRST INTERNET BANCORP - INBK 3.68526 06/30/29 (INBKZ) has a profitability rating of 1 / 10.


Can you provide the financial health for INBKZ stock?

The financial health rating of FIRST INTERNET BANCORP - INBK 3.68526 06/30/29 (INBKZ) is 1 / 10.


Is the dividend of FIRST INTERNET BANCORP - INBK 3.68526 06/30/29 sustainable?

The dividend rating of FIRST INTERNET BANCORP - INBK 3.68526 06/30/29 (INBKZ) is 5 / 10 and the dividend payout ratio is -6.25%.