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
€218.87M
Enterprise Value€581.69
Total Cash (Recent Filing)€8.69M
Total Debt (Recent Filing)€345.13M
Price to Earnings (P/E)―
Beta0.47
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
€27.17Price Target Upside19.16% 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 ExpansionRapid growth in fintech payments, fee revenue, partners, and programs is diversifying INBK beyond traditional spread income. A broader embedded-finance platform can create recurring fee streams, deepen customer relationships, and support revenue growth as additional programs launch.
Improving Credit MetricsThe decline in delinquencies, non-performing loans, and provisions indicates that credit quality is improving after a difficult period. If sustained, lower loss formation can reduce earnings volatility, release management attention, and improve the bank’s ability to compound capital.
Improving Funding Economics And Expense OutlookLower deposit costs and tighter expense expectations improve the operating leverage of INBK’s digital banking model. Continued repricing toward cheaper funding, combined with disciplined spending, can support net interest income and profitability even without relying solely on loan growth.
Bears Say
Sustained Recent LossesRecent losses demonstrate that revenue growth has not yet translated into durable earnings. Negative margins weaken internal capital generation and reduce the cushion available for investment, credit costs, and shareholder returns, making a sustained recovery in profitability essential.
Elevated And Concentrated Credit LossesLarge charge-offs and the concentration of remaining problems in franchise finance leave earnings exposed to further workout costs. Although credit indicators are improving, elevated provisions and unresolved franchise credits could delay normalization and keep results volatile over coming quarters.
Funding Transition And Smaller Balance SheetSignificant CD maturities require successful deposit repricing and replacement funding, while lower loan balances limit asset growth and interest-income expansion. Even if replacement costs decline, execution during this transition could pressure margins, liquidity planning, and near-term NII.
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 €218.87M.
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 45 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
1
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5
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10
Analyst Consensus
Moderate Buy
Average Price Target:
€27.17 (19.16% Upside)
€27.17 (19.16% Upside)
Blogger Sentiment
Neutral
DE:45H Sentiment 50%
Sector Average 58%
Sector Average 58%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
18.26%
12-Months-Change
Fundamentals
Return on Equity
0.83%
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
All Analysts
Top Analysts
Average Price Target
€27.17
▲(19.16% Upside)
Technical Analysis
1 Day
3 Days
1 Week
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