45H Stock Chart & Stats
€19.10
-€1.20(-3.80%)
At close: 4:00 PM EST
€19.10
-€1.20(-3.80%)
Day’s Range― - ―
52-Week Range€14.50 - €23.80
Previous CloseN/A
Volume0.00
Average Volume (3M)6.00
Market Cap
€202.01M
Enterprise Value€513.33
Total Cash (Recent Filing)€1.22B
Total Debt (Recent Filing)€345.05M
Price to Earnings (P/E)―
Beta0.47
Next Earnings
Jul 30, 2026EPS Estimate
0.13Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-3.84
Shares Outstanding8,716,662
10 Day Avg. Volume20
30 Day Avg. Volume6
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
€24.78Price Target Upside29.72% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)1.89
Revenue Forecast (FY)€161.22M
Bulls Say, Bears Say
Bulls Say
Fintech / BaaS Deposit & Fee MomentumRapidly scaling fintech deposits and BaaS fee growth diversify funding and revenue away from traditional CDs. Large, low-cost fintech balances and growing payments volumes create structural funding advantages, recurring fees, and cross-sell runway that support durable NII and margin expansion.
Improved Operating & Free Cash FlowMaterial cash-flow recovery provides persistent internal liquidity for loan funding, capital support, and discretionary shareholder returns. Strong FCF reduces reliance on wholesale funding and gives management flexibility to invest in tech and absorb cyclical earnings volatility.
Regulatory Capital & Liquidity CushionCapital ratios comfortably above regulatory minimums and sizable liquidity provide a durable buffer against credit stress and support measured balance-sheet growth. This strengthens the bank’s ability to retain capital for lending and maintain dividends while managing provisioning cycles.
Bears Say
Negative Net Income / ROESustained net losses and negative ROE undermine internal capital generation and signal persistent earnings-quality problems. Over months, this constrains reinvestment, dividend sustainability and recovery credibility unless profitability reverses to positive, limiting strategic optionality.
Elevated Credit Costs & Charge-offsMaterial provisions and charge-offs plus rising nonperforming loans indicate tangible asset-quality deterioration. Persistently elevated credit costs will depress net income, require higher reserves and reduce capital available for growth over the medium term, pressuring margins and returns.
YoY Loan Contraction And Growth RiskAn 11% YoY loan decline reduces interest-earning assets and limits sustainable net interest income growth. Coupled with management noting loan-growth targets may be ambitious, slower lending activity pressures long-term revenue scalability and delays leverage of fintech deposit inflows.
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 €23.80 in the past 12 months.
What is First Internet Bancorp’s market cap?
First Internet Bancorp’s market cap is €202.01M.
When is First Internet Bancorp’s upcoming earnings report date?
First Internet Bancorp’s upcoming earnings report date is Jul 30, 2026 which is in 3 days.
How were First Internet Bancorp’s earnings last quarter?
First Internet Bancorp released its earnings results on Apr 30, 2026. The company reported €0.254 earnings per share for the quarter, beating the consensus estimate of €0.074 by €0.18.
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 0.13.
How many shares outstanding does First Internet Bancorp have?
First Internet Bancorp has 8,716,662 shares outstanding.
What happened to First Internet Bancorp’s price movement after its last earnings report?
First Internet Bancorp reported an EPS of €0.254 in its last earnings report, beating expectations of €0.074. Following the earnings report the stock price went same 0%.
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
Outperform
1
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5
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€24.78 (29.72% Upside)
€24.78 (29.72% Upside)
Blogger Sentiment
Bullish
DE:45H Sentiment 100%
Sector Average ―
Sector Average ―
Technicals
SMA
Negative
20 days / 200 days
Momentum
-43.49%
12-Months-Change
Fundamentals
Return on Equity
0.94%
Trailing 12-Months
Asset Growth
-2.39%
Trailing 12-Months
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a largely positive operational and financial picture: strong revenue growth (+21% YoY), robust net interest income growth (~26% YoY), meaningful margin expansion (+54 bps YoY), significant fintech/BaaS momentum (payments +260% YoY; fintech deposits +186% YoY) and solid capital metrics. These positives are tempered by near-term credit-related headwinds—elevated Q1 provisions and charge-offs, higher nonperforming loans, and an 11% YoY decline in loan balances—plus macro uncertainty and a deliberately slower SBA origination cadence that will depress near-term gain-on-sale revenue. Management expects credit costs to peak in the near term and improve in H2 2026, and they reiterated confidence in margin and revenue trajectory supported by deposit mix improvements and AI/technology investments.View all DE:45H earnings summaries45H Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
€24.78
▲(29.72% Upside)
Technical Analysis
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