Should I Buy INBK? INBK 2026 Analysis

Should You Buy First Internet Bancorp (INBK) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

22.240

1 Day change

4.81%

52 Week Range

34.210

Analysis Updated At

2026/01/29

First Internet Bancorp (INBK) is not a strong buy for a beginner, long-term investor at this time. While the recent earnings beat and revenue growth in Q4 2025 are positive, the company's financial performance over the past year has been significantly weak, with sharp declines in revenue, net income, and EPS. Additionally, technical indicators are neutral, and there are no strong proprietary trading signals or significant catalysts to suggest immediate upside potential. Holding off on investment until clearer positive trends emerge is recommended.

Technical Analysis

The MACD is negative and expanding downward (-0.0306), RSI is neutral at 51.669, and moving averages are converging, indicating no clear trend. The stock is trading near its pivot level (22.719), with resistance at 24.12 and support at 21.317.

Options Data

Bullish

Open Interest Put-Call Ratio

Bearish

Option Volume Put-Call Ratio

Technical Summary

Sell

Buy

Positive Catalysts

The company reported Q4 GAAP EPS of $0.60, beating expectations by $0.02, and achieved Q4 revenue of $41.7 million, a 5.6% YoY increase. Improved profitability and revenue growth in Q4 2025 indicate a solid financial position.

Neutral/Negative Catalysts

In 2025/Q3, the company experienced a significant decline in revenue (-89.36% YoY), net income (-695.04% YoY), and EPS (-695.00% YoY). The MACD and RSI suggest no clear upward momentum, and the stock has a 50% chance of declining in the short term based on candlestick patterns.

Financial Performance

Q4 2025 showed positive growth with revenue increasing 5.6% YoY to $41.7 million and EPS beating expectations. However, 2025/Q3 financials were extremely weak, with revenue dropping -89.36% YoY, net income plummeting -695.04% YoY, and EPS falling -695.00% YoY.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

No recent analyst rating or price target changes were provided. Wall Street sentiment appears neutral, with no strong pros or cons highlighted.

3 Analyst Rating

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 is 27.33 USD with a low forecast of 22 USD and a high forecast of 35 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.

1 Buy

2 Hold

0 Sell

Moderate Buy

Current: 21.220

Low

Averages

27.33

High

Current: 21.220

Low

Averages

27.33

High

Piper Sandler

Neutral

downgrade

$22

AI Analysis

2025-10-27

Reason

Piper Sandler

Price Target

$22

AI Analysis

2025-10-27

downgrade

Neutral

Reason

Piper Sandler lowered the firm's price target on First Internet Bancorp to $22 from $25.50 and keeps a Neutral rating on the shares. While the firm is positive on the steps management is undertaking to improve First Internet Bancorp's profitability profile, Piper believes its valuation will likely remain below peers until more consistent and improving asset quality metrics re-emerge.

Keefe Bruyette

Tim Switzer

Market Perform

downgrade

$27 -> $25

2025-10-24

Reason

Keefe Bruyette

Tim Switzer

Price Target

$27 -> $25

2025-10-24

downgrade

Market Perform

Reason

Keefe Bruyette analyst Tim Switzer lowered the firm's price target on First Internet Bancorp to $25 from $27 and keeps a Market Perform rating on the shares. The bank's Q3 results were broadly below expectations as credit issues within the small business and franchise finance portfolios continued, the analyst tells investors in a research note.

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INBK Should I Buy

INBK Should I Buy

Should You Buy First Internet Bancorp (INBK) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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