24.71 USD
-0.01 (-0.03%)
Taking everything into account, INBKZ scores 3 out of 10 in our fundamental rating. INBKZ was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of INBKZ have multiple concerns. While showing a medium growth rate, INBKZ is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
- INBKZ had negative earnings in the past year.
- INBKZ had a negative operating cash flow in the past year.
- INBKZ had positive earnings in each of the past 5 years.
- Each year in the past 5 years INBKZ had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of -0.59%, INBKZ is doing worse than 93.73% of the companies in the same industry.
- INBKZ has a Return On Equity of -9.41%. This is amonst the worse of the industry: INBKZ underperforms 93.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.59% | ||
| ROE | -9.41% | ||
| 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
- In the last couple of years the Profit Margin of INBKZ has declined.
- The Profit Margin and Operating Margin and Gross Margin are not available for INBKZ 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 3Y-22.49%
PM growth 5Y-9.89%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- INBKZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
- INBKZ has more shares outstanding than it did 1 year ago.
- Compared to 5 years ago, INBKZ has less shares outstanding
- The debt/assets ratio for INBKZ has been reduced compared to a year ago.
2.2 Solvency
- A Debt/Equity ratio of 0.30 indicates that INBKZ is not too dependend on debt financing.
- The Debt to Equity ratio of INBKZ (0.30) is worse than 66.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| 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 |
3. Growth
3.1 Past
- The earnings per share for INBKZ have decreased strongly by -118.50% in the last year.
- INBKZ shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.86% yearly.
- The Revenue has decreased by -6.68% in the past year.
- INBKZ shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.04% yearly.
EPS 1Y (TTM)-118.5%
EPS 3Y-15.14%
EPS 5Y2.86%
EPS Q2Q%-278.75%
Revenue 1Y (TTM)-6.68%
Revenue growth 3Y4.11%
Revenue growth 5Y11.04%
Sales Q2Q%44.77%
3.2 Future
- Based on estimates for the next years, INBKZ will show a very strong growth in Earnings Per Share. The EPS will grow by 22.84% on average per year.
- The Revenue is expected to grow by 22.77% on average over the next years. This is a very strong growth
EPS Next Y-117.26%
EPS Next 2Y21.67%
EPS Next 3Y22.84%
EPS Next 5YN/A
Revenue Next Year33.35%
Revenue Next 2Y29.29%
Revenue Next 3Y22.77%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings Ratio is negative for INBKZ. In the last year negative earnings were reported.
- INBKZ is valuated cheaply with a Price/Forward Earnings ratio of 5.78.
- INBKZ's Price/Forward Earnings ratio is rather cheap when compared to the industry. INBKZ is cheaper than 96.08% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, INBKZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.78 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- INBKZ's earnings are expected to grow with 22.84% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y21.67%
EPS Next 3Y22.84%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 8.84%, INBKZ is a good candidate for dividend investing.
- INBKZ's Dividend Yield is rather good when compared to the industry average which is at 2.84. INBKZ pays more dividend than 99.48% of the companies in the same industry.
- INBKZ's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.84% |
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
5.3 Sustainability
- INBKZ has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-6.25%
EPS Next 2Y21.67%
EPS Next 3Y22.84%
FIRST INTERNET BANCORP - INBK 3.66802 06/30/29 / INBKZ FAQ
Can you provide the ChartMill fundamental rating for FIRST INTERNET BANCORP - INBK 3.66802 06/30/29?
ChartMill assigns a fundamental rating of 3 / 10 to INBKZ.
Can you provide the valuation status for FIRST INTERNET BANCORP - INBK 3.66802 06/30/29?
ChartMill assigns a valuation rating of 3 / 10 to FIRST INTERNET BANCORP - INBK 3.66802 06/30/29 (INBKZ). This can be considered as Overvalued.
How profitable is FIRST INTERNET BANCORP - INBK 3.66802 06/30/29 (INBKZ) stock?
FIRST INTERNET BANCORP - INBK 3.66802 06/30/29 (INBKZ) has a profitability rating of 2 / 10.
Can you provide the financial health for INBKZ stock?
The financial health rating of FIRST INTERNET BANCORP - INBK 3.66802 06/30/29 (INBKZ) is 1 / 10.
Is the dividend of FIRST INTERNET BANCORP - INBK 3.66802 06/30/29 sustainable?
The dividend rating of FIRST INTERNET BANCORP - INBK 3.66802 06/30/29 (INBKZ) is 5 / 10 and the dividend payout ratio is -6.25%.