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 show a bearish trend, and the financial performance in the latest quarter reveals declining net income and EPS despite revenue growth. Analyst ratings are mixed, with no strong consensus. Additionally, there are no recent news catalysts or significant trading trends to support a buy decision. For now, holding or exploring other opportunities may be more prudent.
The stock is in a bearish trend with SMA_200 > SMA_20 > SMA_5. The MACD histogram is negative (-0.0319), and RSI is neutral at 41.398. Key support is at 19.244, and resistance is at 20.665. The stock is trading near its pivot point of 19.954, indicating limited upward momentum.
Revenue increased by 6.48% YoY in Q4 2025, indicating some growth in the top line.
Net income and EPS dropped significantly YoY (-27.84% and -27.71%, respectively). Analysts have mixed ratings with some lowering price targets. No recent news or significant trading trends from hedge funds or insiders. Technical indicators suggest a bearish trend.
In Q4 2025, revenue increased to $38.89M (up 6.48% YoY), but net income dropped to $5.29M (-27.84% YoY), and EPS fell to 0.6 (-27.71% YoY). Gross margin remained flat.
Analyst ratings are mixed. Piper Sandler lowered the price target to $23.50 from $24 with a Neutral rating, citing disappointing credit cost guidance. Hovde Group raised the price target to $29 from $26 with an Outperform rating. Keefe Bruyette lowered the price target to $23 from $25 with a Market Perform rating.
