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STOCKS

First Internet Bancorp (INBK)

NASDAQ:INBK

INBK

First Internet Bancorp

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First Internet Bancorp (INBK) Ratios

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First Internet Bancorp Ratios

INBK's free cash flow for Q1 2025 was $0.26. For the 2025 fiscal year, INBK's free cash flow was decreased by $ and operating cash flow was

lt;0.01. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.45	147.23	978.57	1.35K
Quick Ratio	0.00	0.45	147.23	1.21K	1.66K
Cash Ratio	0.00	0.10	88.07	219.50	291.73
Solvency Ratio	<0.01	<0.01	0.01	0.01	<0.01
Operating Cash Flow Ratio	0.00	<0.01	28.40	27.18	9.08
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -5.00B	$ -2.97B	$ -3.75B	$ -1.86B	$ -1.97B
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.14	0.16	0.15	0.14
Debt-to-Equity Ratio	0.00	1.98	1.97	1.63	1.80
Debt-to-Capital Ratio	0.00	0.66	0.66	0.62	0.64
Long-Term Debt-to-Capital Ratio	0.00	0.66	0.66	0.62	0.64
Financial Leverage Ratio	15.56	14.24	12.45	11.07	12.83
Debt Service Coverage Ratio	0.34	0.09	0.74	1.20	0.52
Interest Coverage Ratio	0.08	0.03	0.67	1.20	0.47
Debt to Market Cap	0.00	3.37	3.11	1.33	2.10
Interest Debt Per Share	24.37	100.06	81.76	67.20	67.77
Net Debt to EBITDA	18.21	29.37	9.48	2.70	4.19
Profitability Margins
Gross Profit Margin	17.81%	30.26%	100.00%	100.00%	100.00%
EBIT Margin	4.76%	1.90%	-7.70%	47.79%	-8.55%
EBITDA Margin	21.34%	4.11%	43.07%	55.21%	45.58%
Operating Profit Margin	4.75%	1.90%	35.37%	47.79%	37.03%
Pretax Profit Margin	4.20%	1.90%	35.37%	47.79%	37.03%
Net Profit Margin	4.61%	3.24%	31.35%	40.65%	32.17%
Continuous Operations Profit Margin	4.55%	3.24%	31.35%	40.65%	32.17%
Net Income Per EBT	109.53%	170.38%	88.63%	85.05%	86.89%
EBT Per EBIT	88.53%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.25%	0.16%	0.78%	1.14%	0.69%
Return on Equity (ROE)	4.00%	2.32%	9.74%	12.65%	8.90%
Return on Capital Employed (ROCE)	0.26%	0.45%	0.88%	1.34%	0.80%
Return on Invested Capital (ROIC)	2.30%	0.77%	7.06%	1.78%	1.15%
Return on Tangible Assets	0.25%	0.16%	0.78%	1.14%	0.69%
Earnings Yield	8.10%	3.94%	15.36%	10.31%	10.41%
Efficiency Ratios
Receivables Turnover	10.75	0.27	5.38	0.13	0.09
Payables Turnover	0.00	47.10	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.80	3.54	1.56	1.98	2.44
Asset Turnover	0.06	0.05	0.02	0.03	0.02
Working Capital Turnover Ratio	-0.28	-0.13	0.09	0.06	0.05
Cash Conversion Cycle	33.96	1.33K	67.83	2.86K	4.11K
Days of Sales Outstanding	33.96	1.34K	67.83	2.86K	4.11K
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	7.75	0.00	0.00	0.00
Operating Cycle	33.96	1.34K	67.83	2.86K	4.11K
Cash Flow Ratios
Operating Cash Flow Per Share	4.94	1.32	8.68	5.53	1.33
Free Cash Flow Per Share	4.73	0.71	6.84	2.52	-1.27
CapEx Per Share	0.21	0.61	1.84	3.01	2.60
Free Cash Flow to Operating Cash Flow	0.96	0.54	0.79	0.45	-0.96
Dividend Paid and CapEx Coverage Ratio	10.99	1.55	4.17	1.70	0.47
Capital Expenditure Coverage Ratio	23.43	2.18	4.72	1.83	0.51
Operating Cash Flow Coverage Ratio	0.00	0.02	0.11	0.09	0.02
Operating Cash Flow to Sales Ratio	0.13	0.04	0.73	0.46	0.14
Free Cash Flow Yield	21.68%	2.95%	28.18%	5.35%	-4.42%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.34	25.40	6.51	9.70	9.60
Price-to-Sales (P/S) Ratio	0.57	0.82	2.04	3.94	3.09
Price-to-Book (P/B) Ratio	0.49	0.59	0.63	1.23	0.85
Price-to-Free Cash Flow (P/FCF) Ratio	4.63	33.86	3.55	18.70	-22.64
Price-to-Operating Cash Flow Ratio	4.43	18.30	2.80	8.51	21.64
Price-to-Earnings Growth (PEG) Ratio	-0.46	-0.34	-0.28	0.16	0.50
Price-to-Fair Value	0.49	0.59	0.63	1.23	0.85
Enterprise Value Multiple	2.53	49.37	14.22	9.84	10.96
Enterprise Value	550.58M	527.65M	694.32M	642.74M	457.52M
EV to EBITDA	27.81	49.37	14.22	9.84	10.96
EV to Sales	1.64	2.03	6.12	5.43	5.00
EV to Free Cash Flow	13.37	83.58	10.65	25.76	-36.63
EV to Operating Cash Flow	12.80	45.18	8.39	11.72	35.01
Tangible Book Value Per Share	44.30	40.52	37.15	37.40	32.79
Shareholders’ Equity Per Share	44.84	41.05	38.29	38.35	33.63
Tax and Other Ratios
Effective Tax Rate	-0.10	-0.70	0.11	0.15	0.13
Revenue Per Share	38.56	29.40	11.90	11.93	9.30
Net Income Per Share	1.78	0.95	3.73	4.85	2.99
Tax Burden	1.10	1.70	0.89	0.85	0.87
Interest Burden	1.00	1.00	-4.59	1.00	-4.33
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.17	0.19	0.06	0.05	0.06
Stock-Based Compensation to Revenue	<0.01	<0.01	0.02	0.02	0.02
Income Quality	2.05	1.39	2.33	1.14	0.44

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