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First Internet Bancorp (INBK)
NASDAQ:INBK
INBK Stock Chart & Stats
$20.18
-$0.67(-1.98%)
At close: 4:00 PM EST
$20.18
-$0.67(-1.98%)
Day’s Range― - ―
52-Week Range$17.05 - $30.00
Previous CloseN/A
Volume22.20K
Average Volume (3M)73.07K
Market Cap
$175.69M
Enterprise Value$524.51M
Total Cash (Recent Filing)$784.83M
Total Debt (Recent Filing)$354.96M
Price to Earnings (P/E)―
Beta0.81
Next Earnings
Apr 29, 2026EPS Estimate
<0.01Next Dividend Ex-DateN/A
Dividend Yield1.07%
Share Statistics
EPS (TTM)0.64
Shares Outstanding8,706,094
10 Day Avg. Volume54,354
30 Day Avg. Volume73,068
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.51
Price to Sales (P/S)0.56
P/FCF Ratio0.00
Enterprise Value/Market Cap2.99
Enterprise Value/Revenue1.65
Enterprise Value/Gross Profit13.36
Enterprise Value/Ebitda-11.49
Forecast
1Y Price Target
$26.38Price Target Upside30.72% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)2.17
Revenue Forecast (FY)$190.32M
Bulls Say, Bears Say
Bulls Say
Banking-as-a-Service (BaaS) ScaleLarge, durable BaaS scale diversifies funding and builds recurring fee streams; processing >$165B and $1.3B of new deposits indicates growing partner relationships and network effects that can sustain low-cost deposits, fee income, and cross-sell opportunities over the medium term.
NIM And Core Interest Income ExpansionSustained NII growth and recent NIM expansion reflect higher loan yields and improved asset repricing. Management’s plan to further expand NIM (guidance to 2.75–2.80% by year-end) and funding tailwinds from CD rolloffs support structurally higher earnings power if credit trends stabilize.
Strategic Asset Sales And Capital BuffersSelling low-yield, concentrated assets materially reduces concentration risk and frees balance-sheet capacity. Combined with regulatory capital ratios above minimums, this strategic repositioning enhances flexibility to pursue higher-yield lending and fintech partnerships while protecting solvency through cycles.
Bears Say
Concentrated Credit Stress In SBA/franchise FinanceConcentration in two portfolios raises idiosyncratic risk: material charge-offs and rising NPAs can force sustained elevated provisions, constrain new underwriting, and depress ROE. Vintage risk implies problem loans may emerge over 12–18 months, prolonging earnings volatility and capital strain.
Weak Recent Profitability And Cash Flow TrendsSharp TTM revenue and margin deterioration, plus negative operating cash flow, indicate impaired core profitability and cash generation. This undermines ability to build reserves, fund growth initiatives, and support shareholder returns absent sustained NII recovery and disciplined cost control.
Higher Provisions And Reduced Gain-on-sale RevenueElevated provision guidance and management’s decision to retain more SBA originations reduce near-term net income and fee liquidity. Persistently higher provisions and lower gain-on-sale receipts can depress capital accumulation and ROE, limiting reinvestment and increasing reliance on balance-sheet funding.
First Internet Bancorp News
INBK FAQ
What was First Internet Bancorp’s price range in the past 12 months?
First Internet Bancorp lowest stock price was $17.05 and its highest was $30.00 in the past 12 months.
What is First Internet Bancorp’s market cap?
First Internet Bancorp’s market cap is $175.69M.
When is First Internet Bancorp’s upcoming earnings report date?
First Internet Bancorp’s upcoming earnings report date is Apr 29, 2026 which is in 51 days.
How were First Internet Bancorp’s earnings last quarter?
First Internet Bancorp released its earnings results on Jan 29, 2026. The company reported $0.64 earnings per share for the quarter, beating the consensus estimate of $0.568 by $0.072.
Is First Internet Bancorp overvalued?
According to Wall Street analysts First Internet Bancorp’s price is currently Undervalued.
Does First Internet Bancorp pay dividends?
First Internet Bancorp pays a Quarterly dividend of $0.06 which represents an annual dividend yield of 1.07%. See more information on First Internet Bancorp dividends here
What is First Internet Bancorp’s EPS estimate?
First Internet Bancorp’s EPS estimate is <0.01.
How many shares outstanding does First Internet Bancorp have?
First Internet Bancorp has 8,706,094 shares outstanding.
What happened to First Internet Bancorp’s price movement after its last earnings report?
First Internet Bancorp reported an EPS of $0.64 in its last earnings report, beating expectations of $0.568. Following the earnings report the stock price went down -2.023%.
Which hedge fund is a major shareholder of First Internet Bancorp?
Currently, no hedge funds are holding shares in INBK
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Internet Bancorp Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$26.38 (30.72% Upside)
$26.38 (30.72% Upside)
Blogger Sentiment
Bullish
INBK Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 16.2K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Negative
20 days / 200 days
Momentum
-43.18%
12-Months-Change
Fundamentals
Return on Equity
-8.99%
Trailing 12-Months
Asset Growth
-3.16%
Trailing 12-Months
Company Description
First Internet Bancorp
First Internet Bancorp operates as the bank holding company for First Internet Bank of Indiana that provides commercial and retail banking products and services to individuals and commercial customers in the United States. The company accepts non-interest bearing and interest-bearing demand deposit, savings, money market, and brokered deposit accounts, as well as certificates of deposit. It also offers commercial and industrial, owner-occupied and investor commercial real estate, construction, residential mortgage, home equity and improvement, small installment, term, and other consumer loans, as well as single tenant lease financing, and public and healthcare finance; franchise finance; and small business lending. In addition, the company is involved in the purchase, manage, service, and safekeeping of municipal securities; and provision of municipal finance lending and leasing products to government entities. In addition, it offers corporate credit card and treasury management services. The company provides its services through its firstib.com Website. First Internet Bancorp was founded in 1999 and is headquartered in Fishers, Indiana.
INBK Company Deck
INBK Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mix of strong top-line growth, margin expansion, significant fintech/BaaS momentum, solid capital metrics and clear strategic actions to optimize the balance sheet, balanced against material and concentrated credit issues in the SBA and franchise finance portfolios that require elevated provisions in 2026. Management emphasized the credit problems are isolated and outlined specific remediation, analytics and staffing measures; however, the near-term earnings impact from higher provisions and reduced gain-on-sale revenue is notable. Overall, the company portrays resilient core operations and a path to improvement but with meaningful near-term credit headwinds.View all INBK earnings summariesINBK Stock 12 Month Forecast
Average Price Target
$26.38
▲(30.72% Upside)
Technical Analysis
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Ownership Overview
8.72% Insiders
22.14% Mutual Funds
19.10% Other Institutional Investors
38.92% Public Companies and
Individual Investors