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INBK stock logo

INBK

First Internet Bancorp

$27.41
-1.1
 (-3.84%)
Exchange:  NASDAQ
Market Cap:  238.924M
Shares Outstanding:  9.84M
Delayed data
Calculate INBK Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  David Becker
Full Time Employees:  354
Address: 
8701 East 116th Street
Fishers
IN
46038
US
Website:  https://www.firstinternetbancorp.com
First Internet Bancorp operates as the bank holding company for First Internet Bank of Indiana that provides various commercial, small business, consumer, and municipal banking products and services to individuals and commercial customers in the United States. The company offers noninterest-bearing and interest-bearing demand deposits, savings accounts, and money market accounts, as well as certificates of deposit and brokered deposits. It also provides commercial and industrial, owner-occupied commercial real estate, investor commercial real estate, construction, single tenant lease financing, single tenant lease, public, specialty, healthcare and finance, small business lending, commercial deposits and treasury management, franchise finance, residential mortgage, home equity, and other consumer loans. In addition, the company is involved in the provision of municipal finance lending and leasing products to government entities, as well as treasury management services; purchase, manage, service, and safekeeping of municipal securities; and offers corporate credit cards. First Internet Bancorp was founded in 1998 and is headquartered in Fishers, Indiana.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/30 — Q1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue259,853333,424322,869
Gross Profit78,620111,70544,158
EBITDA10,68836,002-44,677
Operating Income4,94027,542-50,869
Net Income8,41725,276-35,168

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets5,167,5725,737,8595,571,647
Total Liabilities4,804,7775,353,7965,211,880
Total Stockholders Equity362,795384,063359,767
Total Debt719,772400,150354,965
Cash and Cash Equivalents405,898466,4106,145

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow11,68012,99239,529
Capital Expenditure-5,367-2,592-1,228
Free Cash Flow6,31310,40038,301
Net Income8,41725,276-35,168
Net Change in Cash149,34660,5121,511

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)200,153.500Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)203,884.999Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)202,019.250Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)27,819.044Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)28,337.679Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)28,078.362Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)39,694.479Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)41,023.268Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)40,200Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)37,960.609Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)38,668.315Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)38,314.462Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)4.600Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)4.700Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)4.550Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)3Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)3Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
339.232M  ?P/S
 (TTM)
: 
0.8
?Net Income
 (TTM)
: 
25.276M  ?P/E
 (TTM)
: 
-8.13
?Enterprise Value
 (TTM)
: 
590.961M  ?EV/FCF
 (TTM)
: 
3.69
?Dividend Yield
 (TTM)
: 
0.82%  ?Payout Ratio
 (TTM)
: 
-6.61%
?ROE
 (TTM)
: 
-8.75%  ?ROIC
 (TTM)
: 
-4.21%
?Net Debt
 (TTM)
: 
390.901M  ?Debt/Equity
 (TTM)
: 
0.95
?P/B
 (TTM)
: 
0.7  ?Current Ratio
 (TTM)
: 
0.01

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
11.61Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about INBK valuation

Is First Internet Bancorp (INBK) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for First Internet Bancorp (INBK) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is INBK a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether INBK trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is INBK’s P/E ratio?

You can see INBK’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for INBK?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is INBK a good long-term investment?

Whether INBK fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

INBK

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-3.84
MARKETSnap

Trading Metrics:

Open: 28.51   Previous Close: 28.51
Day Low: 27.21   Day High: 28.6
Year Low: 17.05   Year High: 31.09
Price Avg 50: 27.6   Price Avg 200: 23.15
Volume: 112762   Average Volume: 47578

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See in Nexus

Relevant news

First Internet Bancorp (INBK) Q2 2026 Earnings Call Transcript
31-07-2026 03:03
First Internet Bancorp (INBK) Q2 2026 Earnings Call Transcript
First Internet Bancorp (INBK) Tops Q2 Earnings Estimates
30-07-2026 20:31
First Internet Bancorp (INBK) Tops Q2 Earnings Estimates
First Internet Bancorp (INBK) Q1 Earnings Surpass Estimates
30-04-2026 21:45
First Internet Bancorp (INBK) Q1 Earnings Surpass Estimates
Here's What Key Metrics Tell Us About First Internet (INBK) Q1 Earnings
30-04-2026 20:30
Here's What Key Metrics Tell Us About First Internet (INBK) Q1 Earnings
First Internet (INBK) Surges 6.1%: Is This an Indication of Further Gains?
07-04-2026 09:41
First Internet (INBK) Surges 6.1%: Is This an Indication of Further Gains?

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