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INBK Stock Chart & Stats
$24.22
-$0.67(-1.98%)
At close: 4:00 PM EST
$24.22
-$0.67(-1.98%)
Day’s Range― - ―
52-Week Range$17.05 - $28.51
Previous CloseN/A
Volume22.20K
Average Volume (3M)73.07K
Market Cap
$242.32M
Enterprise Value$553.83M
Total Cash (Recent Filing)$1.22B
Total Debt (Recent Filing)$345.05M
Price to Earnings (P/E)―
Beta0.89
Next Earnings
Jul 29, 2026EPS Estimate
0.16Next Dividend Ex-DateN/A
Dividend Yield1.07%
Share Statistics
EPS (TTM)-3.84
Shares Outstanding8,716,662
10 Day Avg. Volume54,354
30 Day Avg. Volume73,068
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 Cap2.29
Enterprise Value/Revenue1.73
Enterprise Value/Gross Profit12.58
Enterprise Value/Ebitda-13.41
Forecast
1Y Price Target
$28.25Price Target Upside16.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)2.17
Revenue Forecast (FY)$184.93M
Bulls Say, Bears Say
Bulls Say
Fintech / BaaS MomentumRapid fintech and BaaS growth provides structurally cheaper and sticky deposit funding, scalable fee streams, and higher payments volume that supports long-term diversification away from branch banking. This scale can lower funding costs and expand fee revenue predictably over quarters.
Net Interest Income And Margin ExpansionSustained NII growth and ongoing NIM expansion reflect an improving asset/liability mix and lower deposit costs as high-rate CDs roll off. Durable margin expansion supports core earnings power over the medium term, even as loan growth is calibrated, aiding recovery of profitability.
Improved Cash GenerationMaterial rebound in operating and free cash flow strengthens liquidity and funds reinvestment, provisioning, and balance-sheet optimization without immediate capital raises. While volatile historically, recent cash generation gives management more flexibility to fund loan growth and tech investments.
Bears Say
Negative Profitability And ReturnsTransition from prior profitable years to sustained net losses and negative ROE undermines internal capital generation and questions earnings quality. Persistent losses impair retained earnings, constrain balance-sheet expansion, and limit ability to consistently pay dividends or absorb future shocks.
Elevated Credit Costs And Rising NPLsHigher provisions, sizable charge-offs, and rising nonperforming loans signal stressed underwriting in specific portfolios. Continued elevated credit costs will press on profitability and capital, potentially forcing tighter underwriting, higher reserves, and slower loan deployment over multiple quarters.
Loan Contraction And Fee HeadwindsAn 11% YoY loan decline reduces earning assets and pressure on long-term NII growth. Retaining more SBA production boosts future NII but cuts near-term gain-on-sale fees, creating a structural transition that may depress reported revenue and require time for on‑balance-sheet yields to offset lost fee income.
First Internet Bancorp News
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 $28.51 in the past 12 months.
What is First Internet Bancorp’s market cap?
First Internet Bancorp’s market cap is $242.32M.
When is First Internet Bancorp’s upcoming earnings report date?
First Internet Bancorp’s upcoming earnings report date is Jul 29, 2026 which is in 28 days.
How were First Internet Bancorp’s earnings last quarter?
First Internet Bancorp released its earnings results on Apr 30, 2026. The company reported $0.29 earnings per share for the quarter, beating the consensus estimate of $0.085 by $0.205.
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 1.07%. See more information on First Internet Bancorp dividends here
What is First Internet Bancorp’s EPS estimate?
First Internet Bancorp’s EPS estimate is 0.16.
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 $0.29 in its last earnings report, beating expectations of $0.085. Following the earnings report the stock price went up 3.49%.
Which hedge fund is a major shareholder of First Internet Bancorp?
Currently, no hedge funds are holding shares in INBK
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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Analyst Consensus
Moderate Buy
Average Price Target:
$28.25 (16.64% Upside)
$28.25 (16.64% Upside)
Blogger Sentiment
Bullish
INBK Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 8.1K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-43.18%
12-Months-Change
Fundamentals
Return on Equity
-9.19%
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.
INBK Company Deck
INBK 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 INBK earnings summariesINBK Stock 12 Month Forecast
Average Price Target
$28.25
▲(16.64% Upside)
Technical Analysis
OP Bancorp
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First National
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Eagle Financial Services
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Virginia National Bankshares
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Ownership Overview
8.91% Insiders
22.63% Mutual Funds
21.81% Other Institutional Investors
35.55% Public Companies and
Individual Investors