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INBK Overview

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$
0.000
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0.000(0.000%)Aft-market
ET
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0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
20.170
Open
20.050
VWAP
19.68
Vol
94.67K
Mkt Cap
170.85M
Low
19.465
Amount
1.86M
EV/EBITDA(TTM)
--
Total Shares
8.72M
EV
519.67M
EV/OCF(TTM)
--
P/S(TTM)
1.62
First Internet Bancorp is a bank holding company, which is engaged in conducting its primary business activities through its wholly owned subsidiary, First Internet Bank of Indiana (the Bank), an Indiana chartered bank. The Bank offers a range of commercial, small business, consumer and municipal banking products and services. The Bank conducts its consumer and small business deposit operations primarily through digital channels on a nationwide basis and have no traditional branch offices. Its consumer lending products are primarily originated on a nationwide basis through relationships with dealerships and financing partners. The Bank's commercial banking products and services are delivered through a relationship banking model and include commercial and industrial (C&I) banking, construction and investor commercial real estate, single tenant lease financing, public finance, healthcare finance, small business lending, commercial deposits, and treasury management.
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Events Timeline

(ET)
2026-01-29
16:20:00
First Internet Bancorp Reports Q4 Revenue of $41.7M
select
2025-10-22 (ET)
2025-10-22
16:55:40
First Internet Bancorp Announces Q3 Adjusted EPS of $1.43, Exceeding Consensus Estimate of 64 Cents
select
2025-09-10 (ET)
2025-09-10
16:39:24
First Internet Bancorp to offload nearly $1 billion in financing loans to Blackstone
select

News

Newsfilter
8.5
19:42 PMNewsfilter
PinnedFirst Internet Bank Earns Top Checking Account Distinction
  • Award Recognition: First Internet Bank's Do More Business™ Checking account has been awarded the top checking account distinction in the MoneyRates 2026 Banking Awards, highlighting its competitive edge among U.S. financial institutions representing over half of all bank deposits.
  • Transparent Fees: The account's high ranking is attributed to the elimination of monthly maintenance and overdraft fees while maintaining a low $100 minimum opening deposit, which helps business owners reduce unnecessary costs and enhances customer satisfaction.
  • Consecutive Awards: The Do More Business™ Checking account has been recognized as a 2025 Silver winner for Small or Medium Business Product of the Year by the Best in Biz Awards for the third consecutive year, further solidifying its market position and demonstrating the product's ongoing appeal.
  • Industry Pioneer: Since its inception in 1999, First Internet Bank has been a pioneer in branchless banking services, boasting assets of $5.6 billion and offering a diverse range of financial services, showcasing its innovative capabilities and market adaptability.
seekingalpha
9.5
01-30seekingalpha
First Internet Bancorp Q4 2025 Earnings Call Highlights
  • Significant Revenue Growth: First Internet Bancorp reported a net income of $5.3 million for Q4 2025, translating to $0.60 per diluted share, with adjusted total revenue reaching $42.1 million, reflecting a robust 21% year-over-year increase that underscores the strength of its digital banking model.
  • Interest Income Improvement: The bank experienced a 30% year-over-year increase in net interest income, with net interest margin rising to 2.22%, driven by effective expense management and a decrease in funding costs from 4.30% to 3.68%, laying a solid foundation for future profitability.
  • Loan and Deposit Growth: As of December 31, 2025, total loans reached $3.7 billion, up $143 million from the linked quarter, while total deposits stood at $4.8 billion, with loan growth projected to remain between 15% and 17% in 2026, reflecting a strong commercial lending pipeline.
  • Increased Credit Loss Provisions: Management anticipates an increase in provisions for credit losses to between $50 million and $53 million in 2026, primarily addressing specific credit issues in the SBA and franchise finance portfolios, indicating a cautious approach to future credit risks.
NASDAQ.COM
2.0
01-30NASDAQ.COM
First Internet Bancorp (INBK) Earnings Transcript
seekingalpha
9.5
01-29seekingalpha
First Internet Bancorp Q4 Earnings Beat Expectations
  • Strong Earnings Performance: First Internet Bancorp reported a Q4 GAAP EPS of $0.60, beating expectations by $0.02, which reflects the company's ongoing profitability enhancement and strengthens investor confidence.
  • Significant Revenue Growth: The company achieved revenue of $41.7 million in Q4, a 5.6% year-over-year increase, surpassing market expectations by $8.9 million, indicating robust business momentum and effective market adaptation.
  • Positive Market Reaction: The earnings beat is likely to positively impact First Internet Bancorp's stock price, attracting more investor attention and enhancing market confidence in its future growth prospects.
  • Healthy Financial Position: The continuous revenue growth and improved profitability suggest a solid financial health for the company in the current economic environment, providing a strong foundation for future expansion and investment.
Businesswire
8.0
2025-12-16Businesswire
First Internet Bancorp Declares $0.06 Quarterly Cash Dividend
  • Dividend Announcement: The Board of Directors of First Internet Bancorp has declared a quarterly cash dividend of $0.06 per common share, payable on January 15, 2026, to shareholders of record as of December 31, 2025, demonstrating the company's ongoing commitment to stable cash flow and shareholder returns.
  • Financial Position: As of September 30, 2025, First Internet Bancorp reported total assets of $5.6 billion, reflecting robust growth and a strong market position in the branchless banking service sector.
  • Future Outlook: Future cash dividends will be subject to the Board's discretion, considering factors such as operational results, financial condition, and capital requirements, indicating the company's strategic focus on flexibility in responding to market changes while maintaining financial health.
  • Market Positioning: As a Nasdaq-listed company and a component of the Russell 2000 Index, First Internet Bancorp's dividend policy may attract more investor attention, thereby enhancing its market competitiveness and boosting shareholder confidence.
Yahoo Finance
8.0
2025-12-16Yahoo Finance
First Internet Bancorp Declares Cash Dividend
  • Dividend Declaration: First Internet Bancorp has declared a quarterly cash dividend of $0.06 per common share, payable on January 15, 2026, to shareholders of record as of December 31, 2025.

  • Future Dividends: The Board of Directors will determine future cash dividends based on various factors, including the company's financial condition and operational results.

  • Company Overview: First Internet Bancorp is a bank holding company with $5.6 billion in assets as of September 30, 2025, and operates through its subsidiary, First Internet Bank, which specializes in branchless banking services.

  • Stock Information: The company's common stock trades on the Nasdaq under the symbol "INBK" and is included in the Russell 2000® Index.

Wall Street analysts forecast INBK stock price to rise
3 Analyst Rating
Wall Street analysts forecast INBK stock price to rise
1 Buy
2 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
22.00
Averages
27.33
High
35.00
Current: 0.000
sliders
Low
22.00
Averages
27.33
High
35.00
Piper Sandler
Neutral
downgrade
$24
AI Analysis
2026-01-30
Reason
Piper Sandler
Price Target
$24
AI Analysis
2026-01-30
downgrade
Neutral
Reason
Piper Sandler lowered the firm's price target on First Internet Bancorp to $23.50 from $24 and keeps a Neutral rating on the shares. The firm says "this was another disappointing quarter" given still elevated NCOs and with 2026 guidance signaling credit costs are likely to remain elevated at least through the first half of 2026.
Hovde Group
Brett Rabatin
Outperform
maintain
$26 -> $29
2026-01-30
Reason
Hovde Group
Brett Rabatin
Price Target
$26 -> $29
2026-01-30
maintain
Outperform
Reason
Hovde Group analyst Brett Rabatin raised the firm's price target on First Internet Bancorp to $29 from $26 and keeps an Outperform rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for INBK
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Valuation Metrics

The current forward P/E ratio for First Internet Bancorp (INBK.O) is 6.17, compared to its 5-year average forward P/E of 9.73. For a more detailed relative valuation and DCF analysis to assess First Internet Bancorp's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
9.73
Current PE
6.17
Overvalued PE
13.45
Undervalued PE
6.02

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.68
Current PS
1.27
Overvalued PS
3.59
Undervalued PS
1.77

Financials

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Frequently Asked Questions

What is First Internet Bancorp (INBK) stock price today?

The current price of INBK is 19.41 USD — it has decreased -0.97

What is First Internet Bancorp (INBK)'s business?

First Internet Bancorp is a bank holding company, which is engaged in conducting its primary business activities through its wholly owned subsidiary, First Internet Bank of Indiana (the Bank), an Indiana chartered bank. The Bank offers a range of commercial, small business, consumer and municipal banking products and services. The Bank conducts its consumer and small business deposit operations primarily through digital channels on a nationwide basis and have no traditional branch offices. Its consumer lending products are primarily originated on a nationwide basis through relationships with dealerships and financing partners. The Bank's commercial banking products and services are delivered through a relationship banking model and include commercial and industrial (C&I) banking, construction and investor commercial real estate, single tenant lease financing, public finance, healthcare finance, small business lending, commercial deposits, and treasury management.

What is the price predicton of INBK Stock?

Wall Street analysts forecast INBK stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for INBK is27.33 USD with a low forecast of 22.00 USD and a high forecast of 35.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is First Internet Bancorp (INBK)'s revenue for the last quarter?

First Internet Bancorp revenue for the last quarter amounts to 38.89M USD, increased 6.48

What is First Internet Bancorp (INBK)'s earnings per share (EPS) for the last quarter?

First Internet Bancorp. EPS for the last quarter amounts to 0.61 USD, decreased -26.51

How many employees does First Internet Bancorp (INBK). have?

First Internet Bancorp (INBK) has 354 emplpoyees as of March 17 2026.

What is First Internet Bancorp (INBK) market cap?

Today INBK has the market capitalization of 170.85M USD.