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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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176 Followers

First Internet Bancorp Ratios

INBK's free cash flow for Q4 2025 was $0.33. For the 2025 fiscal year, INBK's free cash flow was decreased by $ and operating cash flow was $0.06. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	81.27	81.27	0.38	0.45	0.46
Quick Ratio	81.27	81.27	0.38	0.45	0.46
Cash Ratio	0.61	0.61	0.09	0.10	0.07
Solvency Ratio	>-0.01	>-0.01	<0.01	<0.01	0.01
Operating Cash Flow Ratio	-0.91	1.21	<0.01	<0.01	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -4.40B	$ -4.40B	$ -3.50B	$ -2.97B	$ -2.58B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.07	0.14	0.16
Debt-to-Equity Ratio	0.99	0.99	1.04	1.98	1.97
Debt-to-Capital Ratio	0.50	0.50	0.51	0.66	0.66
Long-Term Debt-to-Capital Ratio	0.50	0.50	0.51	0.66	0.66
Financial Leverage Ratio	15.49	15.49	14.94	14.24	12.45
Debt Service Coverage Ratio	-0.15	-0.17	0.16	0.09	0.74
Interest Coverage Ratio	-0.25	-0.25	0.13	0.03	0.67
Debt to Market Cap	2.09	1.95	1.28	3.37	3.11
Interest Debt Per Share	64.31	64.30	69.58	100.06	81.76
Net Debt to EBITDA	-7.64	-6.86	-1.84	29.37	9.48
Profitability Margins
Gross Profit Margin	12.34%	13.68%	33.50%	30.26%	62.71%
EBIT Margin	-16.00%	-15.76%	8.26%	1.90%	23.08%
EBITDA Margin	-14.35%	-15.76%	10.80%	4.11%	28.11%
Operating Profit Margin	-16.00%	-15.76%	8.26%	1.90%	23.08%
Pretax Profit Margin	-16.00%	-15.76%	8.26%	1.90%	23.08%
Net Profit Margin	-11.06%	-10.89%	7.58%	3.24%	20.46%
Continuous Operations Profit Margin	-11.06%	-10.89%	7.58%	3.24%	20.46%
Net Income Per EBT	69.14%	69.13%	91.77%	170.38%	88.63%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	-0.63%	-0.63%	0.44%	0.16%	0.78%
Return on Equity (ROE)	-9.44%	-9.78%	6.58%	2.32%	9.74%
Return on Capital Employed (ROCE)	-0.91%	-0.91%	3.43%	0.45%	3.70%
Return on Invested Capital (ROIC)	-4.02%	-4.02%	3.15%	0.45%	3.28%
Return on Tangible Assets	-0.63%	-0.63%	0.44%	0.16%	0.78%
Earnings Yield	-20.85%	-19.30%	8.08%	3.94%	15.36%
Efficiency Ratios
Receivables Turnover	11.39	11.57	0.34	0.27	0.18
Payables Turnover	0.00	0.00	88.87	47.10	22.24
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.68	4.75	4.67	3.54	2.39
Asset Turnover	0.06	0.06	0.06	0.05	0.04
Working Capital Turnover Ratio	-0.23	-0.28	-0.13	-0.13	-0.11
Cash Conversion Cycle	32.03	31.55	1.06K	1.33K	1.98K
Days of Sales Outstanding	32.03	31.55	1.07K	1.34K	2.00K
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	4.11	7.75	16.41
Operating Cycle	32.03	31.55	1.07K	1.34K	2.00K
Cash Flow Ratios
Operating Cash Flow Per Share	-1.04	1.39	1.50	1.32	8.68
Free Cash Flow Per Share	-1.18	4.39	1.20	0.71	6.84
CapEx Per Share	0.14	0.14	0.30	0.61	1.84
Free Cash Flow to Operating Cash Flow	1.14	3.16	0.80	0.54	0.79
Dividend Paid and CapEx Coverage Ratio	-2.73	3.65	2.78	1.55	4.17
Capital Expenditure Coverage Ratio	-7.37	9.86	5.01	2.18	4.72
Operating Cash Flow Coverage Ratio	-0.03	0.03	0.03	0.02	0.11
Operating Cash Flow to Sales Ratio	-0.03	0.04	0.04	0.04	0.48
Free Cash Flow Yield	-6.11%	21.02%	3.33%	2.95%	28.18%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-4.84	-5.18	12.37	25.40	6.51
Price-to-Sales (P/S) Ratio	0.53	0.56	0.94	0.82	1.33
Price-to-Book (P/B) Ratio	0.47	0.51	0.81	0.59	0.63
Price-to-Free Cash Flow (P/FCF) Ratio	-16.54	4.76	30.07	33.86	3.55
Price-to-Operating Cash Flow Ratio	-18.81	15.05	24.07	18.30	2.80
Price-to-Earnings Growth (PEG) Ratio	0.80	0.02	0.06	-0.34	-0.28
Price-to-Fair Value	0.47	0.51	0.81	0.59	0.63
Enterprise Value Multiple	-11.37	-10.44	6.85	49.37	14.22
Enterprise Value	517.23M	531.01M	246.49M	527.65M	694.32M
EV to EBITDA	-11.33	-10.44	6.85	49.37	14.22
EV to Sales	1.63	1.64	0.74	2.03	4.00
EV to Free Cash Flow	-50.30	13.86	23.70	83.58	10.65
EV to Operating Cash Flow	-57.13	43.87	18.97	45.18	8.39
Tangible Book Value Per Share	40.68	40.67	43.66	40.52	37.80
Shareholders’ Equity Per Share	41.22	41.21	44.20	41.05	38.29
Tax and Other Ratios
Effective Tax Rate	0.31	0.31	0.08	-0.70	0.11
Revenue Per Share	36.43	36.98	38.37	29.40	18.23
Net Income Per Share	-4.03	-4.03	2.91	0.95	3.73
Tax Burden	0.69	0.69	0.92	1.70	0.89
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.19	0.20	0.01	0.19	0.25
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	<0.01	0.01
Income Quality	0.26	-0.34	0.51	1.39	2.33

Currency in USD