FIRST INTERNET BANCORP - INBK 3.65557 06/30/29 (INBKZ) Stock Fundamental Analysis

NASDAQ:INBKZ • US3205573096

24.4 USD
0 (0%)
Last: Feb 19, 2026, 08:08 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

2

Taking everything into account, INBKZ scores 2 out of 10 in our fundamental rating. INBKZ was compared to 381 industry peers in the Banks industry. INBKZ has a bad profitability rating. Also its financial health evaluation is rather negative. INBKZ is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

1

1. Profitability

1.1 Basic Checks

  • In the past year INBKZ has reported negative net income.
  • INBKZ had a negative operating cash flow in the past year.
  • Of the past 5 years INBKZ 4 years were profitable.
  • Of the past 5 years INBKZ 4 years had a positive operating cash flow.
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

  • The Return On Assets of INBKZ (-0.59%) is worse than 93.96% of its industry peers.
  • INBKZ's Return On Equity of -9.41% is on the low side compared to the rest of the industry. INBKZ is outperformed by 93.96% 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. Health

2.1 Basic Checks

  • INBKZ does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, INBKZ has more shares outstanding
  • Compared to 5 years ago, INBKZ has less shares outstanding
  • INBKZ has a worse debt/assets ratio than last year.
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
WACC24.95%
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. Growth

3.1 Past

  • The earnings per share for INBKZ have decreased strongly by -122.84% in the last year.
  • Looking at the last year, INBKZ 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

  • Based on estimates for the next years, INBKZ will show a very strong growth in Earnings Per Share. The EPS will grow by 205.20% on average per year.
  • INBKZ is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.40% yearly.
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

  • 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.
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for INBKZ. In the last year negative earnings were reported.
  • Based on the Price/Forward Earnings ratio of 8.02, the valuation of INBKZ can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of INBKZ indicates a rather cheap valuation: INBKZ is cheaper than 92.65% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of INBKZ to the average of the S&P500 Index (27.98), we can say INBKZ is valued rather cheaply.
Industry RankSector Rank
PE N/A
Fwd PE 8.02
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 205.20% in the coming years.
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

2

5. Dividend

5.1 Amount

  • INBKZ has a Yearly Dividend Yield of 1.15%.
  • Compared to an average industry Dividend Yield of 2.78, INBKZ's dividend is way lower than its industry peers. On top of this 80.31% of the companies listed in the same industry pay a better dividend than INBKZ!
  • INBKZ'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 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 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 2Y205.2%
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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Find the best dividend stocksShow peers with best dividend

FIRST INTERNET BANCORP - INBK 3.65557 06/30/29

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

24.4

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-21
Inst Owners71.67%
Inst Owner ChangeN/A
Ins Owners7.92%
Ins Owner ChangeN/A
Market Cap212.04M
Revenue(TTM)116.47M
Net Income(TTM)-33.13M
Analysts78
Price Target28.95 (18.65%)
Short Float %0%
Short Ratio0.05
Dividend
Industry RankSector Rank
Dividend Yield 1.15%
Yearly Dividend0.24
Dividend Growth(5Y)-0.26%
DP-6.25%
Div Incr Years1
Div Non Decr Years4
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)4
Avg Revenue beat(12)3.39%
Revenue beat(16)8
Avg Revenue beat(16)6.2%
PT rev (1m)-8.75%
PT rev (3m)-24.26%
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)-0.23%
Revenue NY rev (3m)0.47%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 8.02
P/S 1.86
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)3.04
Fwd EY12.47%
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
WACC24.95%
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 3.65557 06/30/29 / INBKZ FAQ

Can you provide the ChartMill fundamental rating for FIRST INTERNET BANCORP - INBK 3.65557 06/30/29?

ChartMill assigns a fundamental rating of 2 / 10 to INBKZ.


Can you provide the valuation status for FIRST INTERNET BANCORP - INBK 3.65557 06/30/29?

ChartMill assigns a valuation rating of 4 / 10 to FIRST INTERNET BANCORP - INBK 3.65557 06/30/29 (INBKZ). This can be considered as Fairly Valued.


How profitable is FIRST INTERNET BANCORP - INBK 3.65557 06/30/29 (INBKZ) stock?

FIRST INTERNET BANCORP - INBK 3.65557 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 3.65557 06/30/29 (INBKZ) is 1 / 10.


Is the dividend of FIRST INTERNET BANCORP - INBK 3.65557 06/30/29 sustainable?

The dividend rating of FIRST INTERNET BANCORP - INBK 3.65557 06/30/29 (INBKZ) is 2 / 10 and the dividend payout ratio is -6.25%.