45H Stock Chart & Stats
€22.80
-€0.40(-1.85%)
At close: 4:00 PM EDT
€22.80
-€0.40(-1.85%)
Day’s Range― - ―
52-Week Range€14.50 - €24.60
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€201.30M
Enterprise Value€581.69
Total Cash (Recent Filing)€8.69M
Total Debt (Recent Filing)€345.13M
Price to Earnings (P/E)―
Beta0.56
Next Earnings
Oct 28, 2026EPS Estimate
0.65Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-3.59
Shares Outstanding8,733,574
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.51
Price to Sales (P/S)0.56
P/FCF Ratio82.03
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€27.82Price Target Upside22.02% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)1.89
Revenue Forecast (FY)€159.79M
Bulls Say, Bears Say
Bulls Say
Fintech Fee-income DiversificationRapid fintech payment and fee growth, alongside a growing partner and program base, broadens revenue beyond traditional spread income. This embedded-finance platform can improve recurring fee generation and deepen commercial relationships, supporting a more diversified earnings model over the next several quarters.
Improving Net Interest Income And MarginHigher net interest income and a materially improved margin indicate that asset yields, funding costs, or balance-sheet mix are moving in a favorable direction. Sustaining this improvement would strengthen the bank’s core earnings engine and provide a durable base for future profitability.
Stronger Regulatory Capital PositionThe subordinated notes add qualifying Tier 2 capital and provide funding for general corporate purposes, including potentially retiring higher-cost debt. This enhances regulatory flexibility and may improve funding efficiency, although the 8.0% initial coupon remains a meaningful cost.
Bears Say
Sustained Recent LossesThe recent move into sustained losses is the clearest fundamental weakness because revenue growth has not translated into positive earnings. Negative margins reduce internal capital generation, constrain strategic flexibility, and leave profitability dependent on continued improvement in credit costs and operating performance.
Elevated Credit LossesElevated charge-offs and provisions continue to consume revenue and obscure the strength of underlying banking operations. Concentration in franchise finance raises the importance of successful workouts, while further losses could delay earnings recovery and create additional volatility in capital generation.
Near-term Funding Transition RiskLarge certificate-of-deposit maturities create a substantial funding transition that must be managed without weakening liquidity or materially increasing deposit costs. Although replacement funding is expected to be cheaper, renewal uncertainty and the scale of maturities could pressure margins over the coming quarters.
First Internet Bancorp News
45H FAQ
What was First Internet Bancorp’s price range in the past 12 months?
First Internet Bancorp lowest stock price was €14.50 and its highest was €24.60 in the past 12 months.
What is First Internet Bancorp’s market cap?
First Internet Bancorp’s market cap is €201.30M.
When is First Internet Bancorp’s upcoming earnings report date?
First Internet Bancorp’s upcoming earnings report date is Oct 28, 2026 which is in 27 days.
How were First Internet Bancorp’s earnings last quarter?
First Internet Bancorp released its earnings results on Jul 30, 2026. The company reported €0.234 earnings per share for the quarter, beating the consensus estimate of €0.13 by €0.104.
Is First Internet Bancorp overvalued?
According to Wall Street analysts First Internet Bancorp’s price is currently Undervalued.
Does First Internet Bancorp pay dividends?
First Internet Bancorp does not currently pay dividends.
What is First Internet Bancorp’s EPS estimate?
First Internet Bancorp’s EPS estimate is 0.65.
How many shares outstanding does First Internet Bancorp have?
First Internet Bancorp has 8,733,574 shares outstanding.
What happened to First Internet Bancorp’s price movement after its last earnings report?
First Internet Bancorp reported an EPS of €0.234 in its last earnings report, beating expectations of €0.13. Following the earnings report the stock price went down -1.852%.
Which hedge fund is a major shareholder of First Internet Bancorp?
Currently, no hedge funds are holding shares in DE:45H
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
First Internet Bancorp Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
€27.82 (22.02% Upside)
€27.82 (22.02% Upside)
Blogger Sentiment
Neutral
DE:45H Sentiment 50%
Sector Average 61%
Sector Average 61%
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.46%
12-Months-Change
Fundamentals
Return on Equity
0.91%
Trailing 12-Months
Asset Growth
-8.50%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
First Internet Bancorp
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.
45H Company Deck
45H Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized clear and measurable improvement across credit metrics (lower provisions, declining delinquencies and non-accruals), strong revenue growth drivers (23% revenue growth, fintech fee acceleration, and NIM expansion) and disciplined capital deployment and expense management. Challenges remain — notably elevated net charge-offs concentrated in franchise finance, residual provisioning needs, early payoffs and a smaller balance sheet that reduced NII guidance — but management presented multiple actionable levers (deposit repricing, fintech deposit growth, higher-yield loan pipelines, and operational enhancements) that are already driving improvement and are expected to continue. On balance, the positive trends and concrete progress on credit and fee-income diversification materially outweigh the remaining headwinds.View all DE:45H earnings summaries45H Stock 12 Month Forecast
Average Price Target
€27.82
▲(22.02% Upside)
Technical Analysis
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