24.4 USD
-0.04 (-0.16%)
Taking everything into account, INBKZ scores 3 out of 10 in our fundamental rating. INBKZ was compared to 387 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.
Each year in the past 5 years INBKZ has been profitable.
INBKZ had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.25%, INBKZ is doing worse than 87.86% of the companies in the same industry.
With a Return On Equity value of 3.96%, INBKZ is not doing good in the industry: 81.91% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 3.96% | ||
| 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
INBKZ's Profit Margin of 10.86% is on the low side compared to the rest of the industry. INBKZ is outperformed by 83.46% of its industry peers.
In the last couple of years the Profit Margin of INBKZ has declined.
The 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) | 10.86% | ||
| 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
Compared to 1 year ago, INBKZ has an improved debt to assets ratio.
2.2 Solvency
INBKZ has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
INBKZ's Debt to Equity ratio of 0.27 is on the low side compared to the rest of the industry. INBKZ is outperformed by 65.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC24.99%
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.
Looking at the last year, INBKZ shows a decrease in Revenue. The Revenue has decreased by -6.68% in the last year.
The Revenue has been growing by 11.04% on average over the past years. This is quite good.
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 23.68% on average per year.
INBKZ is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 24.71% yearly.
EPS Next Y-92.71%
EPS Next 2Y21%
EPS Next 3Y23.68%
EPS Next 5YN/A
Revenue Next Year32.73%
Revenue Next 2Y28.84%
Revenue Next 3Y24.71%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
INBKZ reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 5.77, the valuation of INBKZ can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of INBKZ indicates a rather cheap valuation: INBKZ is cheaper than 95.87% of the companies listed in the same industry.
INBKZ's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.77 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as INBKZ's earnings are expected to grow with 23.68% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y21%
EPS Next 3Y23.68%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.28%, INBKZ has a reasonable but not impressive dividend return.
INBKZ's Dividend Yield is slightly below the industry average, which is at 3.33.
With a Dividend Yield of 1.28, INBKZ pays less dividend than the S&P500 average, which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
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 pays out 13.47% of its income as dividend. This is a sustainable payout ratio.
DP13.47%
EPS Next 2Y21%
EPS Next 3Y23.68%
FIRST INTERNET BANCORP - INBK 3.87861 06/30/29
NASDAQ:INBKZ (11/24/2025, 3:07:52 PM)
24.4
-0.04 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71.78%
Inst Owner ChangeN/A
Ins Owners7.8%
Ins Owner ChangeN/A
Market Cap212.52M
Revenue(TTM)114.26M
Net Income(TTM)15.46M
Analysts76.36
Price Target37.12 (52.13%)
Short Float %0.01%
Short Ratio0.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.28% |
Yearly Dividend0.24
Dividend Growth(5Y)-0.26%
DP13.47%
Div Incr Years1
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-89.55%
Min EPS beat(2)-93.34%
Max EPS beat(2)-85.75%
EPS beat(4)0
Avg EPS beat(4)-49.08%
Min EPS beat(4)-93.34%
Max EPS beat(4)-6.07%
EPS beat(8)3
Avg EPS beat(8)-17.16%
EPS beat(12)4
Avg EPS beat(12)-23.51%
EPS beat(16)7
Avg EPS beat(16)-16.49%
Revenue beat(2)0
Avg Revenue beat(2)-3.23%
Min Revenue beat(2)-3.87%
Max Revenue beat(2)-2.59%
Revenue beat(4)1
Avg Revenue beat(4)7.88%
Min Revenue beat(4)-9.19%
Max Revenue beat(4)47.15%
Revenue beat(8)2
Avg Revenue beat(8)2.84%
Revenue beat(12)5
Avg Revenue beat(12)3.75%
Revenue beat(16)9
Avg Revenue beat(16)7.71%
PT rev (1m)19.52%
PT rev (3m)9.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.18%
EPS NY rev (1m)-87.58%
EPS NY rev (3m)-92.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.62%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-1.27%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.77 | ||
| P/S | 1.49 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.54 | ||
| P/tB | 0.55 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.47
EYN/A
EPS(NY)4.23
Fwd EY17.34%
FCF(TTM)-7.49
FCFYN/A
OCF(TTM)-7.27
OCFYN/A
SpS16.34
BVpS44.8
TBVpS44.27
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.25% | ||
| ROE | 3.96% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 10.86% | ||
| GM | N/A | ||
| FCFM | 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
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 3Y-22.49%
PM growth 5Y-9.89%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.27 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 25.37% | ||
| Cap/Sales | 1.35% | ||
| 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-Score4
WACC24.99%
ROIC/WACCN/A
Cap/Depr(3y)108.23%
Cap/Depr(5y)198.31%
Cap/Sales(3y)7.34%
Cap/Sales(5y)14.48%
Profit Quality(3y)99.94%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-118.5%
EPS 3Y-15.14%
EPS 5Y2.86%
EPS Q2Q%-278.75%
EPS Next Y-92.71%
EPS Next 2Y21%
EPS Next 3Y23.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-6.68%
Revenue growth 3Y4.11%
Revenue growth 5Y11.04%
Sales Q2Q%44.77%
Revenue Next Year32.73%
Revenue Next 2Y28.84%
Revenue Next 3Y24.71%
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-465.51%
FCF growth 3Y-25.3%
FCF growth 5YN/A
OCF growth 1Y-344.8%
OCF growth 3Y-38.12%
OCF growth 5YN/A
FIRST INTERNET BANCORP - INBK 3.87861 06/30/29 / INBKZ FAQ
Can you provide the ChartMill fundamental rating for FIRST INTERNET BANCORP - INBK 3.87861 06/30/29?
ChartMill assigns a fundamental rating of 3 / 10 to INBKZ.
What is the valuation status of FIRST INTERNET BANCORP - INBK 3.87861 06/30/29 (INBKZ) stock?
ChartMill assigns a valuation rating of 3 / 10 to FIRST INTERNET BANCORP - INBK 3.87861 06/30/29 (INBKZ). This can be considered as Overvalued.
How profitable is FIRST INTERNET BANCORP - INBK 3.87861 06/30/29 (INBKZ) stock?
FIRST INTERNET BANCORP - INBK 3.87861 06/30/29 (INBKZ) has a profitability rating of 2 / 10.
What is the financial health of FIRST INTERNET BANCORP - INBK 3.87861 06/30/29 (INBKZ) stock?
The financial health rating of FIRST INTERNET BANCORP - INBK 3.87861 06/30/29 (INBKZ) is 1 / 10.
Is the dividend of FIRST INTERNET BANCORP - INBK 3.87861 06/30/29 sustainable?
The dividend rating of FIRST INTERNET BANCORP - INBK 3.87861 06/30/29 (INBKZ) is 3 / 10 and the dividend payout ratio is 13.47%.