First Internet Bancorp (INBK) Stock Price & Analysis

177 Followers

INBK Stock Chart & Stats

$25.37-$0.04(-0.14%)

At close: Nov 13 4:00 PM EST

Day’s Range: $25.00 - $25.64
52-Week Range: $17.05 - $31.09
Previous Close: $25.40
Volume: N/A
Average Volume (3M): 40.65K
Market Cap: $221.83M
Enterprise Value: $590.65M
Total Cash (Recent Filing): $849.09M
Total Debt (Recent Filing): $363.01M
Price to Earnings (P/E): 14.7
Beta: 0.66
Next Earnings: Jan 27, 2027 (Est.)
EPS Estimate: 1.02
Last Dividend Ex-Date: Oct 01, 2026
Dividend Yield: 0.95%

Bulls Say, Bears Say

Bulls Say

Net Interest Income Growth

Record net interest income and four consecutive quarters of margin expansion indicate improving earnings power from the bank’s core spread business. Higher portfolio yields, portfolio repositioning, and lower deposit costs could support revenue and profitability over the next several quarters.

Fintech Deposit And Fee Expansion

Rapid fintech deposit and fee growth broadens the funding base and adds fee revenue beyond traditional lending spreads. Additional partners across payments, deposits, and lending could deepen this platform, diversify income, and strengthen the bank’s digital competitive position.

Stronger Cash Generation

Strong trailing cash generation relative to reported earnings supports earnings quality and gives management more flexibility to fund loan growth, deploy capital, and meet obligations internally. This improves financial resilience compared with the weak cash generation recorded in 2025.

Bears Say

Franchise Finance Credit Risk

The franchise finance deterioration demonstrates that individual credit events can materially affect earnings and nonperforming loans. Although broader credit metrics improved, additional refinancing or workout problems in this exposure could increase provisions and weaken near-term profitability.

Volatile And Modest Profitability

The recent loss and subdued return on equity show that the earnings rebound has not yet established a consistently high-return operating profile. Continued volatility can limit internal capital formation and make results more sensitive to credit costs, funding conditions, and portfolio mix.

Interest-Rate Sensitivity

Modeled rate-hike downside indicates that the bank’s balance-sheet earnings remain exposed to changes in funding costs and asset repricing. Even with lending and deposit execution, adverse rate movements could pressure net interest income and reduce the durability of projected growth.

First Internet Bancorp News

First Internet Bancorp Earnings Call Signals Stronger Growth

First Internet Bancorp (($INBK)) has held its Q3 earnings call. Read on for the main highlights of the call. First Internet Bancorp delivered a strongly constructive quarter, supported by record

3d agoINBK 45H

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

2w 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 –

2w 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

2w 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

2w 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

2w 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

2M 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

2M 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 FAQ

What was First Internet Bancorp’s price range in the past 12 months?

First Internet Bancorp lowest stock price was $17.05 and its highest was $31.09 in the past 12 months.

What is First Internet Bancorp’s market cap?

First Internet Bancorp’s market cap is $221.83M.

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 73 days.

How were First Internet Bancorp’s earnings last quarter?

First Internet Bancorp released its earnings results on Oct 29, 2026. The company reported $0.57 earnings per share for the quarter, missing the consensus estimate of $0.778 by -$0.208.

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 pays a quarterly dividend of $0.06 which represents an annual dividend yield of 0.95%. See more information on First Internet Bancorp dividends here

What is First Internet Bancorp’s EPS estimate?

First Internet Bancorp’s EPS estimate is 1.02.

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 $0.57 in its last earnings report, missing expectations of $0.778. Following the earnings report the stock price went down -5.354%.

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 71,887,577 shares, and hedge funds decreased their holdings by 44.3K 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 (INBK) Earnings & Revenues

Historic Earnings Reports

INBK Company Deck

INBK 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 INBK earnings summaries

INBK Stock 12 Month Forecast

Average Price Target

$29.50▲(16.30% Upside)

Past 12 Months12 Month ForecastFeb2026Nov2026

High$30.00

Average$29.50

Low$29.00

Detailed Analyst Forecast >

Technical Analysis

Overall Consensus

Indicator	Bullish	Neutral	Bearish
Overall Consensus	8	2	12
Technical Analysis	6	2	2
Moving Averages	2	0	10

Technical Analysis >

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Ownership Overview

8.89% Insiders
22.71% Mutual Funds
27.32% Other Institutional Investors
28.57% Public Companies and Individual Investors

Detailed Ownership Overview >

Options Prices

Expiration Date: Nov 20, 2026

CallsPuts

INBK call options for the Nov 20, 2026 expiration
Last Price	% Change	Strike
―	―	20.0
―	―	22.5
―	―	25.0
―	―	30.0
―	―	35.0
―	―	40.0

INBK put options for the Nov 20, 2026 expiration
Last Price	% Change
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Detailed Option Prices >

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INBK Stock Chart & Stats

Bulls Say, Bears Say

Bulls Say

Net Interest Income Growth

Fintech Deposit And Fee Expansion

Stronger Cash Generation

Bears Say

Franchise Finance Credit Risk

Volatile And Modest Profitability

Interest-Rate Sensitivity

First Internet Bancorp News

First Internet Bancorp Earnings Call Signals Stronger Growth

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 FAQ

First Internet Bancorp Stock Smart Score

Company Description

First Internet Bancorp

First Internet Bancorp (INBK) Earnings & Revenues

INBK Company Deck

INBK Earnings Call

Earnings Call Sentiment|Positive

INBK Stock 12 Month Forecast

Average Price Target

Technical Analysis

Overall Consensus

Similar Stocks

Ownership Overview

Options Prices

Popular Stocks

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Earnings Call SentimentPositive