Earning Analysis
Welcome to our in-depth analysis of First Internet Bancorp(INBK) earnings, offering investors a detailed look into the company’s financial performance, revenue trends, earnings per share (EPS), and market reactions. This page provides a comprehensive overview of First Internet Bancorp earnings history, forecasts, and key financial metrics, empowering you with the data needed to make informed investment decisions. Whether you're tracking quarterly results, analyzing earnings surprises, or exploring future projections, our detailed breakdown covers it all.
Earnings Forecast
Revenue
EPS
Currency: USD
Actual
Estimate
Surprise Analysis
| FY2025Q3 | 2025-10-22 | After Hours | 0.66 | -1.43 | -316.67 | 33.25M | 31.51M | -5.23 | -9.68 | -14.06 |
| FY2025Q2 | 2025-07-23 | After Hours | 0.32 | 0.02 | -93.75 | 30.35M | 29.15M | -3.96 | -11.80 | -16.29 |
| FY2025Q1 | 2025-04-23 | After Hours | 0.75 | 0.11 | -85.33 | 26.73M | 26.27M | -1.75 | -20.81 | -18.90 |
| FY2024Q4 | 2025-01-22 | After Hours | 0.97 | 0.41 | -57.73 | 24.88M | 24.70M | -0.69 | -5.61 | -5.25 |
| FY2024Q3 | 2024-10-23 | After Hours | 0.81 | 0.80 | -1.23 | 23.73M | 22.90M | -3.52 | -4.33 | -2.71 |
| FY2024Q2 | 2024-07-24 | - | 0.72 | 0.72 | - | 25.03M | 22.50M | -10.08 | -2.49 | +2.86 |
| FY2024Q1 | 2024-04-24 | - | 0.55 | 0.59 | +7.27 | 22.23M | 21.92M | -1.35 | +1.16 | -5.59 |
| FY2023Q4 | 2024-01-24 | - | 0.24 | 0.48 | +100.00 | 18.83M | 21.05M | +11.79 | +0.85 | +20.96 |
| - | 2023-07-26 | - | 0.41 | 0.44 | +7.32 | - | - | - | +5.84 | +14.83 |
| - | 2023-04-26 | - | 0.46 | 0.53 | +15.22 | - | - | - | -2.70 | -19.60 |
INBK Earnings Analysis
Our earnings analysis provides a granular look at the company’s performance across recent fiscal quarters, highlighting key metrics such as revenue, EPS, and operating margins. By examining actual results against analyst estimates, we uncover trends and surprises that drive stock price movements, offering valuable insights for both short-term traders and long-term investors.
In the most recent quarter, First Internet Bancorp reported performance for FY2025Q3, announced on 2025-10-22. The company achieved an EPS of -1.43, compared to analyst estimates of 0.66 by -316.67% . Revenue for the quarter reached 31.51M compared to expectations of 33.25M by -5.23% .
The stock price reacted with a -9.68% one-day change and a -14.06% five-day change following the earnings release. These movements reflect market reaction in First Internet Bancorp growth trajectory and strategic initiatives.
INBK Earnings Forecast
Looking ahead, First Internet Bancorp(INBK) remains a focal point for investors seeking growth opportunities. Analyst forecasts for 2025/Q4 project quarter revenue of 32.80M and an EPS of 0.49.
However, recent estimate revisions provide additional context. Over the past three months, revenue estimates for FY2025 have been Revise Downward by -2.66%, while EPS estimates have been Revise Downward by -139.47%. For the upcoming Q4 2025, revenue estimates have been adjusted Revise Downward by -5.27% . These revisions correlate with a -17.81% change in stock price over the same period, suggesting potential buying opportunities for investors who believe in First Internet Bancorp long-term fundamentals.
The relationship between earnings forecast revisions and stock price movements is critical for investors. Positive revisions in revenue or EPS often signal strengthening fundamentals, making temporary price dips attractive entry points. Conversely, downward revisions may reflect short-term challenges.
Estimate Revision
The chart shows the correlation between INBK's stock price and earnings forecast revisions. Positive revisions in Revenue or EPS often strengthen the stock's fundamentals, making price dips potential buying opportunities.
Revenue Estimates for FY2025
Revise Downward
-2.66%
In Past 3 Month
EPS Estimates for FY2025
Revise Downward
-139.47%
In Past 3 Month
Revenue Estimates for Q4 2025
Revise Downward
-5.27%
In Past 3 Month
Stock Price
Go Down
-17.81%
In Past 3 Month
1Y
3Y
5Y
Annual FY 2025
Currency: USD
1Y
3Y
5Y
--
Revenue Estimate-Annual FY 2025:119.73M
--
EPS Estimate-Annual FY 2025:-0.67
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Stock Price20.08
INBK Revenue and EPS Performance: A Historical Perspective
First Internet Bancorp revenue and earnings per share (EPS) performance over recent quarters provides a clear picture of its financial health. Below is a detailed breakdown of the company’s earnings history, showcasing actual results, analyst estimates, and surprise percentages for key fiscal quarters:
FY2025Q3 (2025-10-22,After Hours):
EPS: -1.43 (Actual) vs.0.66 (Estimate) (-316.67%)
Revenue: 31.51M (Actual) vs. 33.25M (Estimate) (-5.23%)
Price Reaction: -9.68%(1-Day), -14.06%(5-Day)
FY2025Q2 (2025-07-23,After Hours):
EPS: 0.02 (Actual) vs.0.32 (Estimate) (-93.75%)
Revenue: 29.15M (Actual) vs. 30.35M (Estimate) (-3.96%)
Price Reaction: -11.80%(1-Day), -16.29%(5-Day)
FY2025Q1 (2025-04-23,After Hours):
EPS: 0.11 (Actual) vs.0.75 (Estimate) (-85.33%)
Revenue: 26.27M (Actual) vs. 26.73M (Estimate) (-1.75%)
Price Reaction: -20.81%(1-Day), -18.90%(5-Day)
Earnings Reaction
The chart below shows how INBK performed 10 days before and after its earnings report, based on data from the past quarters. Typically, INBK sees a -6.82% change in stock price 10 days leading up to the earnings, and a -6.07% change 10 days following the report. On the earnings day itself, the stock moves by +0.27%. This data can give you a slight idea of what to expect for the next quarter's release.
For example, in SEP/2025, the stock changed -9.68% on the day following the earnings release and then changed by -16.66% over the next 10 days. These patterns provide investors with valuable insights into potential price movements and help inform trading strategies around earnings events.
Transcript Summary
First Internet Bancorp (INBK) Q3 2025 Earnings Call Summary
Positive
2025-10-23
The earnings call highlights strong financial performance with a significant increase in income and yield on assets. Positive developments include a decrease in delinquencies, proactive loan management, and optimistic credit outlook. The company's strategic focus on higher-yielding opportunities and share buyback plans further boost sentiment. However, increased credit loss allowances and nonperforming loans are concerns. Overall, the positive financial metrics, strategic initiatives, and shareholder return plans suggest a positive stock price movement.
First Internet Bancorp (INBK) Q2 2025 Earnings Call Summary
Neutral
2025-07-24
The earnings call presents a mixed picture. Positives include improved loan metrics, strong net income growth, and promising fintech partnerships. However, noninterest income decline, cautious provision guidance, and unclear management responses on key issues like charge-offs and stock buybacks temper enthusiasm. The market may react neutrally due to these conflicting signals, with no significant partnerships or guidance changes to sway sentiment strongly.
First Internet Bancorp (INBK) Q1 2025 Earnings Call Summary
Negative
2025-04-24
The earnings call reveals increased losses, elevated net charge-offs, and operational challenges, which are concerning. The Q&A section highlights management's avoidance of direct answers on critical issues and economic uncertainties impacting SBA. Despite some positives like FinTech partnerships and improved NIM, the lack of a share repurchase program and increased credit losses weigh negatively. Without a market cap, the overall sentiment leans towards negative due to financial health concerns, overshadowing moderate growth in certain areas.
First Internet Bancorp (INBK) Q1 2025 Earnings Call Summary
Neutral
2025-04-24
The earnings call presents mixed signals: strong loan growth, increased net interest income, and fintech partnerships are positive, but significant noninterest income decline, franchise finance challenges, and elevated loan loss provisions are concerning. The Q&A reveals management's reluctance to provide clear guidance, which adds uncertainty. The share buyback intention could support the stock price, but economic uncertainties and operational challenges balance the outlook. Overall, the sentiment remains neutral.
Earnings call transcript: First Internet Bancorp Q4 2024 misses EPS, beats revenue
Positive
2025-01-23
The company reported strong financial performance with a 21% increase in net income and 25% growth in net interest income. Despite some competitive pressures and operational risks, the outlook for SBA loan origination growth remains optimistic. Management's decision to prioritize capital building over stock buybacks is strategic. The Q&A revealed some uncertainties, but overall sentiment remains positive, supported by strong earnings and optimistic guidance.
First Internet Bancorp (INBK) Q3 2024 Earnings Call Summary
Positive
2024-10-24
The earnings call summary indicates strong financial performance with significant growth in net income, EPS, and tangible book value. The company is experiencing robust SBA loan originations and fintech partnership revenue. However, regulatory issues, supply chain challenges, and asset quality risks are potential concerns. The Q&A section revealed some uncertainty in management's responses, but overall, the positive financial results and optimistic guidance suggest a positive stock price movement.
First Internet Bancorp (INBK) Q2 2024 Earnings Call Summary
Positive
2024-07-25
The earnings call shows strong financial performance with revenue, net income, and EPS all up significantly. Positive loan and deposit growth, along with prudent financial management, are highlighted. The Q&A reveals confidence in SBA growth and resilience to regulatory changes. However, lack of buybacks and some unclear responses slightly temper enthusiasm. Overall, strong earnings and optimistic guidance suggest a positive stock price movement.
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FAQ
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