FIRST INTERNET BANCORP - INBK 3.66709 06/30/29 (INBKZ) Fundamental Analysis & Valuation

NASDAQ:INBKZ • US3205573096

Current stock price

24.8 USD
+0.05 (+0.2%)
Last:

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

2

1. INBKZ Profitability Analysis

1.1 Basic Checks

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

  • Looking at the Return On Assets, with a value of -0.63%, INBKZ is doing worse than 94.68% of the companies in the same industry.
  • With a Return On Equity value of -9.78%, INBKZ is not doing good in the industry: 94.95% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.63%
ROE -9.78%
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.
  • 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

  • The Debt to FCF ratio of INBKZ is 47.49, which is on the high side as it means it would take INBKZ, 47.49 years of fcf income to pay off all of its debts.
  • INBKZ has a worse Debt to FCF ratio (47.49) than 87.77% of its industry peers.
  • A Debt/Equity ratio of 0.29 indicates that INBKZ is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.29, INBKZ is doing worse than 67.29% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 47.49
Altman-Z N/A
ROIC/WACCN/A
WACC31.95%
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. INBKZ Growth Analysis

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.
  • Measured over the past years, INBKZ 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

  • INBKZ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 201.93% yearly.
  • Based on estimates for the next years, INBKZ will show a very strong growth in Revenue. The Revenue will grow by 23.79% on average per year.
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.
  • With a Price/Forward Earnings ratio of 10.94, the valuation of INBKZ can be described as very reasonable.
  • INBKZ's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 22.62. INBKZ is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 10.94
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

  • INBKZ's Price/Free Cash Flow ratio is rather expensive when compared to the industry. INBKZ is more expensive than 86.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 97.37
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

  • INBKZ's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • INBKZ's earnings are expected to grow with 201.93% in the coming years. This may justify a more expensive valuation.
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

2

5. INBKZ Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.04%, INBKZ has a reasonable but not impressive dividend return.
  • With a Dividend Yield of 1.04, INBKZ pays less dividend than the industry average, which is at 2.57. 81.38% of the companies listed in the same industry pay a better dividend than INBKZ!
  • Compared to an average S&P500 Dividend Yield of 1.81, INBKZ's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.04%

5.2 History

  • The dividend of INBKZ decreases each year by -0.04%.
  • INBKZ has been paying a dividend for over 5 years, so it has already some track record.
  • As INBKZ did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)-0.04%
Div Incr Years2
Div Non Decr Years5
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-5.93%
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 3.66709 06/30/29

NASDAQ:INBKZ (4/23/2026, 8:18:45 PM)

24.8

+0.05 (+0.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-30
Inst Owners71.12%
Inst Owner ChangeN/A
Ins Owners8.23%
Ins Owner ChangeN/A
Market Cap216.26M
Revenue(TTM)116.47M
Net Income(TTM)-35.17M
Analysts76.36
Price Target27.38 (10.4%)
Short Float %0.02%
Short Ratio0.47
Dividend
Industry RankSector Rank
Dividend Yield 1.04%
Yearly Dividend0.24
Dividend Growth(5Y)-0.04%
DP-5.93%
Div Incr Years2
Div Non Decr Years5
Ex-Date02-13
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-143.74%
Min EPS beat(2)-298.09%
Max EPS beat(2)10.61%
EPS beat(4)1
Avg EPS beat(4)-116.64%
Min EPS beat(4)-298.09%
Max EPS beat(4)10.61%
EPS beat(8)2
Avg EPS beat(8)-60.42%
EPS beat(12)5
Avg EPS beat(12)-45.17%
EPS beat(16)6
Avg EPS beat(16)-35.64%
Revenue beat(2)0
Avg Revenue beat(2)-5.82%
Min Revenue beat(2)-7.66%
Max Revenue beat(2)-3.99%
Revenue beat(4)0
Avg Revenue beat(4)-4.53%
Min Revenue beat(4)-7.66%
Max Revenue beat(4)-2.59%
Revenue beat(8)1
Avg Revenue beat(8)1.54%
Revenue beat(12)3
Avg Revenue beat(12)1.52%
Revenue beat(16)7
Avg Revenue beat(16)3.71%
PT rev (1m)-14.86%
PT rev (3m)-16.7%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-87.31%
EPS NY rev (1m)0%
EPS NY rev (3m)-47.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.21%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 10.94
P/S 1.86
P/FCF 97.37
P/OCF 62.7
P/B 0.6
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)-0.66
EYN/A
EPS(NY)2.27
Fwd EY9.14%
FCF(TTM)0.25
FCFY1.03%
OCF(TTM)0.4
OCFY1.59%
SpS13.36
BVpS41.26
TBVpS40.72
PEG (NY)N/A
PEG (5Y)N/A
Graham Number0 (-100%)
Profitability
Industry RankSector Rank
ROA -0.63%
ROE -9.78%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 1.91%
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-Score3
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 0.29
Debt/FCF 47.49
Debt/EBITDA N/A
Cap/Depr 19.83%
Cap/Sales 1.05%
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-Score3
WACC31.95%
ROIC/WACCN/A
Cap/Depr(3y)47.95%
Cap/Depr(5y)136.99%
Cap/Sales(3y)2.76%
Cap/Sales(5y)9.62%
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-78.64%
FCF growth 3Y-67.58%
FCF growth 5YN/A
OCF growth 1Y-73.45%
OCF growth 3Y-65.32%
OCF growth 5Y-23.39%

FIRST INTERNET BANCORP - INBK 3.66709 06/30/29 / INBKZ Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIRST INTERNET BANCORP - INBK 3.66709 06/30/29?

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


Can you provide the valuation status for FIRST INTERNET BANCORP - INBK 3.66709 06/30/29?

ChartMill assigns a valuation rating of 4 / 10 to FIRST INTERNET BANCORP - INBK 3.66709 06/30/29 (INBKZ). This can be considered as Fairly Valued.


Can you provide the profitability details for FIRST INTERNET BANCORP - INBK 3.66709 06/30/29?

FIRST INTERNET BANCORP - INBK 3.66709 06/30/29 (INBKZ) has a profitability rating of 2 / 10.


What is the financial health of FIRST INTERNET BANCORP - INBK 3.66709 06/30/29 (INBKZ) stock?

The financial health rating of FIRST INTERNET BANCORP - INBK 3.66709 06/30/29 (INBKZ) is 1 / 10.