INBK Should I Buy
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First Internet Bancorp (INBK) is not a strong buy at the moment for a beginner investor with a long-term strategy. The technical indicators are bearish, options data suggests negative sentiment, and the company's financial performance shows declining net income and EPS. While there is some analyst optimism, the overall sentiment is mixed, and there are no significant positive catalysts or trading signals to support an immediate buy decision.
The technical indicators are bearish. The MACD histogram is negative and expanding downward, RSI is neutral but leaning towards oversold territory, and moving averages are bearish (SMA_200 > SMA_20 > SMA_5). The stock is trading near its support level of 20.336, with resistance at 22.07.
Revenue increased by 6.48% YoY in Q4 2025, indicating some growth in the company's top line.
Net income and EPS dropped significantly (-27.84% and -27.71% YoY, respectively). Analysts have mixed ratings, with some lowering price targets due to disappointing performance and elevated credit costs. No recent news or significant insider/hedge fund activity to support a positive outlook.
In Q4 2025, revenue grew by 6.48% YoY to $38.89 million. However, net income dropped by 27.84% YoY to $5.29 million, and EPS decreased by 27.71% YoY to $0.6. Gross margin remained flat.
Analyst sentiment is mixed. Piper Sandler lowered the price target to $23.50 and maintains a Neutral rating, citing disappointing performance. Keefe Bruyette also lowered the target to $23 with a Market Perform rating. However, Hovde Group raised the price target to $29 and maintains an Outperform rating.
