First Internet Bancorp (INBK)
NASDAQ:INBK
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INBK Stock Chart & Stats
$24.22
-$0.67(-1.98%)
At close: 4:00 PM EST
$24.22
-$0.67(-1.98%)
Day’s Range― - ―
52-Week Range$17.05 - $28.51
Previous CloseN/A
Volume22.20K
Average Volume (3M)73.07K
Market Cap
$224.72M
Enterprise Value$553.83M
Total Cash (Recent Filing)$782.56M
Total Debt (Recent Filing)$345.05M
Price to Earnings (P/E)―
Beta0.92
Next Earnings
Jul 29, 2026EPS Estimate
0.13Next Dividend Ex-DateN/A
Dividend Yield1.07%
Share Statistics
EPS (TTM)-3.84
Shares Outstanding8,716,662
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 Ratio82.03
Enterprise Value/Market Cap2.46
Enterprise Value/Revenue1.73
Enterprise Value/Gross Profit12.58
Enterprise Value/Ebitda-13.41
Forecast
1Y Price Target
$26.00Price Target Upside7.35% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.24
Revenue Forecast (FY)$189.61M
Bulls Say, Bears Say
Bulls Say
Fintech / BaaS MomentumRapid fintech and BaaS expansion meaningfully diversifies low‑cost funding and fee income. Large fintech deposits and massive payments volumes create durable scale advantages, boost deposit stickiness and fee diversification, and position the bank for sustained noninterest revenue growth.
Net Interest Income & Margin ExpansionConsistent NII growth and guided quarterly NIM expansion indicate structural improvement in interest-earning asset returns and funding mix. Sustained margin expansion supports core profitability even with moderate loan growth, underpinning cash generation and long‑term earnings power.
Improved Leverage & Capital PositionMarked reduction in leverage and healthy regulatory capital ratios increase resilience to credit stress and support measured balance-sheet growth. Strong capital cushions preserve strategic optionality for lending, fintech funding, dividends, and regulatory compliance over the medium term.
Bears Say
Negative Earnings & ROESustained net losses and negative ROE weaken internal capital generation and limit the bank's ability to rebuild retained earnings organically. Until profitability normalizes, management may need to constrain dividends, capital deployment, or growth initiatives to preserve capital ratios.
Elevated Credit Costs And Charge-offsHigh provisions and charge-offs materially erode pre‑tax earnings and capital buffer, signaling portfolio stress in specific verticals. Persistent elevated credit costs will pressure net income and limit the pace at which the bank can prudently expand lending or reduce funding costs.
Loan Contraction And Growth UncertaintyAn 11% YoY loan decline reduces core interest‑bearing assets and constrains organic NII growth. Cautious guidance and payoffs in key portfolios indicate structural challenges in redeploying liquidity into quality loans, slowing durable revenue expansion until loan origination recovers.
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 $28.51 in the past 12 months.
What is First Internet Bancorp’s market cap?
First Internet Bancorp’s market cap is $224.72M.
When is First Internet Bancorp’s upcoming earnings report date?
First Internet Bancorp’s upcoming earnings report date is Jul 29, 2026 which is in 38 days.
How were First Internet Bancorp’s earnings last quarter?
First Internet Bancorp released its earnings results on Apr 30, 2026. The company reported $0.29 earnings per share for the quarter, beating the consensus estimate of $0.085 by $0.205.
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 0.13.
How many shares outstanding does First Internet Bancorp have?
First Internet Bancorp has 8,716,662 shares outstanding.
What happened to First Internet Bancorp’s price movement after its last earnings report?
First Internet Bancorp reported an EPS of $0.29 in its last earnings report, beating expectations of $0.085. Following the earnings report the stock price went up 3.49%.
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:
$26.00 (7.35% Upside)
$26.00 (7.35% Upside)
Blogger Sentiment
Bullish
INBK Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 8.1K Shares
Last Quarter.
Last Quarter.
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-43.18%
12-Months-Change
Fundamentals
Return on Equity
-9.19%
Trailing 12-Months
Asset Growth
-2.39%
Trailing 12-Months
Company Description
First Internet Bancorp
First Internet Bancorp, established in 1999 and headquartered in Fishers, Indiana, functions as the holding company for First Internet Bank of Indiana. This institution delivers a comprehensive suite of commercial and retail banking solutions to individual and business clients throughout the United States. Its deposit services include various demand deposit accounts (both interest-bearing and non-interest-bearing), savings accounts, money market accounts, brokered deposits, and certificates of deposit. The bank provides a wide array of lending products, such as commercial and industrial loans, financing for owner-occupied and investor commercial real estate, construction loans, residential mortgages, home equity and improvement loans, and diverse consumer loans including small installment and term options. It also specializes in niche financing areas like single-tenant leases, public and healthcare sector funding, franchise finance, and small business lending. Furthermore, the company handles the acquisition, management, servicing, and safekeeping of municipal securities, alongside offering municipal finance lending and leasing products to government bodies. Corporate credit card and treasury management services are also part of its offerings. All services are primarily accessed through its online platform, firstib.com.
INBK Company Deck
INBK Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a largely positive operational and financial picture: strong revenue growth (+21% YoY), robust net interest income growth (~26% YoY), meaningful margin expansion (+54 bps YoY), significant fintech/BaaS momentum (payments +260% YoY; fintech deposits +186% YoY) and solid capital metrics. These positives are tempered by near-term credit-related headwinds—elevated Q1 provisions and charge-offs, higher nonperforming loans, and an 11% YoY decline in loan balances—plus macro uncertainty and a deliberately slower SBA origination cadence that will depress near-term gain-on-sale revenue. Management expects credit costs to peak in the near term and improve in H2 2026, and they reiterated confidence in margin and revenue trajectory supported by deposit mix improvements and AI/technology investments.View all INBK earnings summariesINBK Stock 12 Month Forecast
Average Price Target
$26.00
▲(7.35% Upside)
Technical Analysis
OP Bancorp
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First National
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Eagle Financial Services
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Virginia National Bankshares
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Ownership Overview
8.91% Insiders
23.07% Mutual Funds
21.81% Other Institutional Investors
35.50% Public Companies and
Individual Investors