First Internet Bancorp (45H) Stock Price & Analysis

45H Stock Chart & Stats

€22.20-€0.60(-2.63%)

At close: Oct 30 1:00 AM GMT+1

Day’s Range: EUR 22.20 - EUR 22.20
52-Week Range: EUR 14.50 - EUR 24.60
Previous Close: EUR 22.80
Volume: N/A
Average Volume (3M): 0
Market Cap: EUR 201.54M
Enterprise Value: EUR 590.65M
Total Cash (Recent Filing): EUR 8.69M
Total Debt (Recent Filing): EUR 345.13M
Price to Earnings (P/E): 15.6
Beta: 0.41
Next Earnings: Jan 27, 2027 (Est.)
EPS Estimate: 0.91
Next Dividend Ex-Date: N/A
Dividend Yield: 0.90%

Bulls Say, Bears Say

Bulls Say

Net Interest Income And Margin Expansion

Record net interest income and four consecutive quarters of margin expansion indicate improving core banking economics. Higher portfolio yields, lower deposit costs and continued execution can support stronger earnings power over the next several quarters, provided credit performance remains controlled.

Fintech Deposit And Fee Growth

Rapid fintech deposit and fee growth broadens the funding base and adds a scalable source of noninterest revenue. Replacing higher-cost funding with fintech deposits may support margins, while additional partners create a durable channel for payments, deposits and lending growth.

SBA Automation And Operating Capacity

The SBA automation project improves processing capacity and turnaround times without requiring equivalent headcount growth. Those efficiency gains can lower unit costs, improve customer responsiveness and strengthen the bank’s ability to capture future origination volume as the market recovers.

Bears Say

Recent Losses And Negative Margins

Sustained losses and materially negative margins show that recent revenue growth has not yet translated into durable profitability. This weakens internal capital generation and makes the recovery dependent on continued margin improvement, expense control and normalization of credit costs.

Franchise Finance Credit Deterioration

The franchise finance deterioration demonstrates that credit risk remains capable of producing material earnings volatility even as broader delinquencies improve. Nonaccrual balances, reserves and reversed interest income can pressure profitability and require continued conservative underwriting and monitoring.

SBA Production Weakness

Below-plan SBA activity limits growth in a specialized lending channel and reduces associated gain-on-sale revenue in the near term. Tighter underwriting and weaker industry volume may improve risk quality, but they also constrain the pace at which this business contributes to earnings.

First Internet Bancorp News

First Internet Bancorp price target lowered to $34 from $35 at StoneX

StoneX lowered the firm’s price target on First Internet Bancorp (INBK) to $34 from $35 and keeps a Buy rating on the shares. Published first on TheFly – the ultimate

4d agoINBK 45H

First Internet Bancorp price target raised to $29 from $27 at Keefe Bruyette

Keefe Bruyette raised the firm’s price target on First Internet Bancorp (INBK) to $29 from $27 and keeps a Market Perform rating on the shares. Published first on TheFly –

4d agoINBK 45H

First Internet Bancorp reports Q3 adjusted EPS 57c, consensus 78c

Reports Q3 revenue $43.9M, consensus $35.87M. “Our third quarter results reflect continued execution of the strategy we have laid out for the last several quarters, with earnings momentum continuing to

4d agoINBK 45H

First Internet Bancorp sees Q4 EPS $1.02-$1.07, consensus 99c

Sees Q4 provision for credit losses $7.5M-$8M. Published first on TheFly – the ultimate source for real-time, market-moving breaking financial news. Try Now>> See the top stocks recommended by analysts

4d agoINBK 45H

Is INBK a Buy, Before Earnings?

First Internet Bancorp (INBK) is scheduled to report 3rd quarter earnings on 10/29/2026, after the market closes. Regarding Q3 estimates, Wall Street analysts expect First Internet Bancorp to post earnings

1w agoINBK 45H

First Internet Bancorp Declares Quarterly Cash Dividend

First Internet Bancorp ( ($INBK) ) has shared an announcement. On September 21, 2026, First Internet Bancorp announced that its Board of Directors declared a quarterly cash dividend of $0.06

1M ago8K INBK

First Internet Bancorp Completes Subordinated Notes Private Placement

First Internet Bancorp ( ($INBK) ) has issued an announcement. On September 10, 2026, First Internet Bancorp completed a private placement of $20.5 million in 8.0% fixed-to-floating rate subordinated notes

1M ago8K INBK

First Internet Bank appoints Nick Campbell as CLO

First Internet Bank announced that Nick Campbell has been promoted to Senior Vice President, Chief Lending Officer. In his new role, he will lead the Bank’s lending organizations, including small

1M agoINBK 45H

First Internet Bancorp Signals Credit Turn in Earnings Call

First Internet Bancorp (($INBK)) has held its Q2 earnings call. Read on for the main highlights of the call. First Internet Bancorp’s latest earnings call struck a cautiously upbeat tone,

3M agoINBK 45H

First Internet Bancorp price target raised to $35 from $33 at Benchmark

Benchmark raised the firm’s price target on First Internet Bancorp (INBK) to $35 from $33 and keeps a Buy rating on the shares. Published first on TheFly – the ultimate

3M agoINBK 45H

First Internet Bancorp price target raised to $29.50 from $26 at Piper Sandler

Piper Sandler analyst Nathan Race raised the firm’s price target on First Internet Bancorp (INBK) to $29.50 from $26 and keeps an Overweight rating on the shares. While Q2 NCOs

3M agoINBK 45H

First Internet Bancorp sees FY26 EPS $2.35-$2.45, consensus $2.12

For FY26, sees: Loan growth in the range of 4% to 6%, driven by solid pipelines across our commercial lending verticals; FTE net interest margin expansion, reaching 2.75% to 2.80%

3M agoINBK 45H

First Internet Bancorp reports Q2 adjusted EPS 27c, consensus 15c

Reports Q2 revenue $41.12M, consensus $36.59M. “Our second quarter results reflect strong momentum across the business, paired with a meaningful and encouraging improvement in our credit trends,” said David Becker,

3M agoINBK 45H

INBK Upcoming Earnings Report: What to Expect?

First Internet Bancorp (INBK) is scheduled to report 2nd quarter earnings on 07/30/2026, after the market closes. Regarding Q2 estimates, Wall Street analysts expect First Internet Bancorp to post earnings

3M agoINBK 45H

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 €201.54M.

When is First Internet Bancorp’s upcoming earnings report date?

First Internet Bancorp’s next earnings report is estimated for Jan 27, 2027 (not yet confirmed), which is in 85 days.

How were First Internet Bancorp’s earnings last quarter?

First Internet Bancorp released its earnings results on Oct 29, 2026. The company reported €0.509 earnings per share for the quarter, missing the consensus estimate of €0.694 by -€0.186.

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 0.91.

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 €0.509 in its last earnings report, missing expectations of €0.694. Following the earnings report the stock price went down -2.632%.

Which hedge fund is a major shareholder of First Internet Bancorp?

Hedge funds hold First Internet Bancorp shares: the largest hedge-fund position in First Internet Bancorp is 661,684,000 shares, and hedge funds increased their holdings by 7.3K shares last quarter.

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

Learn more about TipRanks Smart Score

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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.

First Internet Bancorp (45H) Earnings & Revenues

Historic Earnings Reports

45H Company Deck

45H Earnings Call

Q3 2026

0:00 / 0:00

Earnings Call SentimentPositive

The call was strongly constructive, with record revenue and net interest income, continued margin expansion, significant improvement in delinquencies and charge-offs, growing fintech deposits and fee revenue, and an optimistic fourth-quarter and 2027 earnings outlook. The principal negatives were a material franchise finance credit issue, weaker-than-expected SBA activity and a modeled 2.5% to 3% potential 2027 net interest income impact under punitive rate scenarios. Highlights significantly outweighed the lowlights.

View all DE:45H earnings summaries

45H Stock 12 Month Forecast

Average Price Target

EUR 26.34▲(18.64% Upside)

Past 12 Months12 Month ForecastJan2026Oct2026

HighEUR 26.79

AverageEUR 26.34

LowEUR 25.89

Detailed Analyst Forecast >

Technical Analysis

Overall Consensus

Indicator	Bullish	Neutral	Bearish
Overall Consensus	8	3	11
Technical Analysis	3	3	4
Moving Averages	5	0	7

Technical Analysis >

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Ownership Overview

8.89% Insiders
22.71% Mutual Funds
1.58% Other Institutional Investors
54.30% Public Companies and Individual Investors

Detailed Ownership Overview >

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45H Stock Chart & Stats

Bulls Say, Bears Say

Bulls Say

Net Interest Income And Margin Expansion

Fintech Deposit And Fee Growth

SBA Automation And Operating Capacity

Bears Say

Recent Losses And Negative Margins

Franchise Finance Credit Deterioration

SBA Production Weakness

First Internet Bancorp News

First Internet Bancorp price target lowered to $34 from $35 at StoneX

First Internet Bancorp price target raised to $29 from $27 at Keefe Bruyette

First Internet Bancorp reports Q3 adjusted EPS 57c, consensus 78c

First Internet Bancorp sees Q4 EPS $1.02-$1.07, consensus 99c

Is INBK a Buy, Before Earnings?

First Internet Bancorp Declares Quarterly Cash Dividend

First Internet Bancorp Completes Subordinated Notes Private Placement

First Internet Bank appoints Nick Campbell as CLO

First Internet Bancorp Signals Credit Turn in Earnings Call

First Internet Bancorp price target raised to $35 from $33 at Benchmark

First Internet Bancorp price target raised to $29.50 from $26 at Piper Sandler

First Internet Bancorp sees FY26 EPS $2.35-$2.45, consensus $2.12

First Internet Bancorp reports Q2 adjusted EPS 27c, consensus 15c

INBK Upcoming Earnings Report: What to Expect?

45H FAQ

First Internet Bancorp Stock Smart Score

Company Description

First Internet Bancorp

First Internet Bancorp (45H) Earnings & Revenues

45H Company Deck

45H Earnings Call

Earnings Call Sentiment|Positive

45H Stock 12 Month Forecast

Average Price Target

Technical Analysis

Overall Consensus

Similar Stocks

Ownership Overview

Popular Stocks

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Earnings Call SentimentPositive