24.8001 USD
+0.06 (+0.24%)
We assign a fundamental rating of 3 out of 10 to INBKZ. INBKZ was compared to 387 industry peers in the Banks industry. INBKZ has a bad profitability rating. Also its financial health evaluation is rather negative. INBKZ is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
INBKZ had negative earnings in the past year.
In the past year INBKZ has reported a negative cash flow from operations.
In the past 5 years INBKZ has always been profitable.
Each year in the past 5 years INBKZ had a positive operating cash flow.
1.2 Ratios
INBKZ has a worse Return On Assets (-0.59%) than 93.80% of its industry peers.
With a Return On Equity value of -9.41%, INBKZ is not doing good in the industry: 94.06% of the companies in the same industry are doing better.
| 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.
INBKZ does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
Compared to 1 year ago, INBKZ has more shares outstanding
The number of shares outstanding for INBKZ has been reduced compared to 5 years ago.
The debt/assets ratio for INBKZ has been reduced compared to a year ago.
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.
With a Debt to Equity ratio value of 0.30, INBKZ is not doing good in the industry: 66.93% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC24.97%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
INBKZ shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -118.50%.
Measured over the past 5 years, INBKZ shows a small growth in Earnings Per Share. The EPS has been growing by 2.86% on average per year.
INBKZ shows a decrease in Revenue. In the last year, the revenue decreased by -6.68%.
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
INBKZ is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 23.68% yearly.
Based on estimates for the next years, INBKZ will show a very strong growth in Revenue. The Revenue will grow by 24.71% on average per year.
EPS Next Y-122.62%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
INBKZ reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 5.86, the valuation of INBKZ can be described as very cheap.
95.87% of the companies in the same industry are more expensive than INBKZ, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.57, INBKZ is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.86 |
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
INBKZ has a Yearly Dividend Yield of 1.15%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 1.15, INBKZ pays less dividend than the industry average, which is at 2.78. 80.62% of the companies listed in the same industry pay a better dividend than INBKZ!
With a Dividend Yield of 1.15, INBKZ pays less dividend than the S&P500 average, which is at 1.94.
| Industry Rank | Sector 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
5.3 Sustainability
The earnings of INBKZ are negative and hence is the payout ratio. INBKZ will probably not be able to sustain this dividend level.
DP-6.25%
EPS Next 2Y21%
EPS Next 3Y23.68%
FIRST INTERNET BANCORP - INBK 3.64636 06/30/29
NASDAQ:INBKZ (1/7/2026, 8:00:02 PM)
24.8001
+0.06 (+0.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners71.67%
Inst Owner ChangeN/A
Ins Owners7.92%
Ins Owner ChangeN/A
Market Cap216.01M
Revenue(TTM)114.26M
Net Income(TTM)-33.13M
Analysts76.36
Price Target31.73 (27.94%)
Short Float %0.04%
Short Ratio1.24
Dividend
| Industry Rank | Sector 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)-14.52%
PT rev (3m)3.7%
EPS NQ rev (1m)-9.36%
EPS NQ rev (3m)-43.45%
EPS NY rev (1m)-410.41%
EPS NY rev (3m)-137.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 5.86 | ||
| P/S | 1.89 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.61 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)-0.47
EYN/A
EPS(NY)4.23
Fwd EY17.06%
FCF(TTM)-3.2
FCFYN/A
OCF(TTM)-3.03
OCFYN/A
SpS13.12
BVpS40.43
TBVpS39.89
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
| Industry Rank | Sector 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)0.46%
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-Score1
Asset Turnover0.02
Health
| Industry Rank | Sector 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
WACC24.97%
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-122.62%
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-14032%
FCF growth 3Y-25.3%
FCF growth 5YN/A
OCF growth 1Y-417.66%
OCF growth 3Y-38.12%
OCF growth 5YN/A
FIRST INTERNET BANCORP - INBK 3.64636 06/30/29 / INBKZ FAQ
Can you provide the ChartMill fundamental rating for FIRST INTERNET BANCORP - INBK 3.64636 06/30/29?
ChartMill assigns a fundamental rating of 3 / 10 to INBKZ.
Can you provide the valuation status for FIRST INTERNET BANCORP - INBK 3.64636 06/30/29?
ChartMill assigns a valuation rating of 3 / 10 to FIRST INTERNET BANCORP - INBK 3.64636 06/30/29 (INBKZ). This can be considered as Overvalued.
How profitable is FIRST INTERNET BANCORP - INBK 3.64636 06/30/29 (INBKZ) stock?
FIRST INTERNET BANCORP - INBK 3.64636 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 3.64636 06/30/29 (INBKZ) is 1 / 10.
Is the dividend of FIRST INTERNET BANCORP - INBK 3.64636 06/30/29 sustainable?
The dividend rating of FIRST INTERNET BANCORP - INBK 3.64636 06/30/29 (INBKZ) is 2 / 10 and the dividend payout ratio is -6.25%.