INBK Should I Buy
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First Internet Bancorp (INBK) is not a strong buy for a beginner, long-term investor at this moment. While the stock has shown slight positive price movement and stable technical indicators, the financial performance in the latest quarter shows declining net income and EPS, which are critical for long-term growth. Additionally, analysts' ratings are mixed, with some downgrades and concerns about elevated credit costs. There are no strong positive catalysts, and trading signals like AI Stock Picker and SwingMax are absent.
The MACD is positive and expanding, suggesting slight bullish momentum. RSI is neutral at 64.409, and moving averages are converging, indicating no strong trend. The stock is trading near its pivot level of 20.357, with resistance at 21.193 and support at 19.52.
Revenue increased by 6.48% YoY in Q4 2025, indicating some growth in the top line.
Net income dropped by 27.84% YoY, and EPS fell by 26.51% YoY in Q4 2025, reflecting declining profitability. Analysts have expressed concerns about elevated credit costs persisting through the first half of 2026.
In Q4 2025, revenue increased to $38.88M (up 6.48% YoY), but net income dropped to $5.29M (down 27.84% YoY), and EPS fell to 0.61 (down 26.51% YoY). Gross margin remained flat.
Analysts are mixed: Piper Sandler lowered the price target to $23.50 and maintained a Neutral rating, citing disappointing performance and elevated credit costs. Hovde Group raised the price target to $29 with an Outperform rating. Keefe Bruyette lowered the price target to $23 with a Market Perform rating.
