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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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175 Followers

First Internet Bancorp Ratios

INBK's free cash flow for Q3 2025 was $-0.53. For the 2025 fiscal year, INBK's free cash flow was decreased by $ and operating cash flow was $-0.94. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.28	0.38	0.45	147.23	978.57
Quick Ratio	0.28	0.38	0.45	147.23	1.21K
Cash Ratio	0.16	0.09	0.10	88.07	219.50
Solvency Ratio	>-0.01	<0.01	<0.01	0.01	0.01
Operating Cash Flow Ratio	>-0.01	<0.01	<0.01	28.40	27.18
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -3.89B	$ -3.50B	$ -2.97B	$ -3.75B	$ -1.86B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.07	0.14	0.16	0.15
Debt-to-Equity Ratio	1.01	1.04	1.98	1.97	1.63
Debt-to-Capital Ratio	0.50	0.51	0.66	0.66	0.62
Long-Term Debt-to-Capital Ratio	0.50	0.51	0.66	0.66	0.62
Financial Leverage Ratio	16.01	14.94	14.24	12.45	11.07
Debt Service Coverage Ratio	-0.12	0.16	0.09	0.74	1.20
Interest Coverage Ratio	-0.23	0.13	0.03	0.67	1.20
Debt to Market Cap	1.83	1.28	3.37	3.11	1.33
Interest Debt Per Share	64.95	69.58	100.06	81.76	67.20
Net Debt to EBITDA	10.72	-1.84	29.37	9.48	2.70
Profitability Margins
Gross Profit Margin	12.60%	33.50%	30.26%	100.00%	100.00%
EBIT Margin	-14.97%	8.26%	1.90%	-7.70%	47.79%
EBITDA Margin	-12.58%	10.80%	4.11%	43.07%	55.21%
Operating Profit Margin	-14.97%	8.26%	1.90%	35.37%	47.79%
Pretax Profit Margin	-14.97%	8.26%	1.90%	35.37%	47.79%
Net Profit Margin	-10.32%	7.58%	3.24%	31.35%	40.65%
Continuous Operations Profit Margin	-10.32%	7.58%	3.24%	31.35%	40.65%
Net Income Per EBT	68.96%	91.77%	170.38%	88.63%	85.05%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	-0.59%	0.44%	0.16%	0.78%	1.14%
Return on Equity (ROE)	-8.75%	6.58%	2.32%	9.74%	12.65%
Return on Capital Employed (ROCE)	-6.65%	3.43%	0.45%	0.88%	1.34%
Return on Invested Capital (ROIC)	-4.59%	3.15%	0.77%	7.06%	1.78%
Return on Tangible Assets	-0.59%	0.44%	0.16%	0.78%	1.14%
Earnings Yield	-17.04%	8.08%	3.94%	15.36%	10.31%
Efficiency Ratios
Receivables Turnover	2.39	0.34	0.27	5.38	0.13
Payables Turnover	226.94	88.87	47.10	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.66	4.67	3.54	1.56	1.98
Asset Turnover	0.06	0.06	0.05	0.02	0.03
Working Capital Turnover Ratio	-0.09	-0.13	-0.13	0.09	0.06
Cash Conversion Cycle	150.98	1.06K	1.33K	67.83	2.86K
Days of Sales Outstanding	152.59	1.07K	1.34K	67.83	2.86K
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	1.61	4.11	7.75	0.00	0.00
Operating Cycle	152.59	1.07K	1.34K	67.83	2.86K
Cash Flow Ratios
Operating Cash Flow Per Share	-3.02	1.50	1.32	8.68	5.53
Free Cash Flow Per Share	-3.19	1.20	0.71	6.84	2.52
CapEx Per Share	0.16	0.30	0.61	1.84	3.01
Free Cash Flow to Operating Cash Flow	1.05	0.80	0.54	0.79	0.45
Dividend Paid and CapEx Coverage Ratio	-7.54	2.78	1.55	4.17	1.70
Capital Expenditure Coverage Ratio	-18.42	5.01	2.18	4.72	1.83
Operating Cash Flow Coverage Ratio	-0.07	0.03	0.02	0.11	0.09
Operating Cash Flow to Sales Ratio	-0.08	0.04	0.04	0.73	0.46
Free Cash Flow Yield	-14.39%	3.33%	2.95%	28.18%	5.35%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	-5.87	12.37	25.40	6.51	9.70
Price-to-Sales (P/S) Ratio	0.60	0.94	0.82	2.04	3.94
Price-to-Book (P/B) Ratio	0.55	0.81	0.59	0.63	1.23
Price-to-Free Cash Flow (P/FCF) Ratio	-6.95	30.07	33.86	3.55	18.70
Price-to-Operating Cash Flow Ratio	-7.36	24.07	18.30	2.80	8.51
Price-to-Earnings Growth (PEG) Ratio	0.02	0.06	-0.34	-0.28	0.16
Price-to-Fair Value	0.55	0.81	0.59	0.63	1.23
Enterprise Value Multiple	5.92	6.85	49.37	14.22	9.84
Enterprise Value	-239.15M	246.49M	527.65M	694.32M	642.74M
EV to EBITDA	5.92	6.85	49.37	14.22	9.84
EV to Sales	-0.75	0.74	2.03	6.12	5.43
EV to Free Cash Flow	8.58	23.70	83.58	10.65	25.76
EV to Operating Cash Flow	9.05	18.97	45.18	8.39	11.72
Tangible Book Value Per Share	39.75	43.66	40.52	37.15	37.40
Shareholders’ Equity Per Share	40.28	44.20	41.05	38.29	38.35
Tax and Other Ratios
Effective Tax Rate	0.31	0.08	-0.70	0.11	0.15
Revenue Per Share	36.71	38.37	29.40	11.90	11.93
Net Income Per Share	-3.79	2.91	0.95	3.73	4.85
Tax Burden	0.69	0.92	1.70	0.89	0.85
Interest Burden	1.00	1.00	1.00	-4.59	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.18	0.01	0.19	0.06	0.05
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.02	0.02
Income Quality	0.80	0.51	1.39	2.33	1.14

Currency in USD