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STOCKS

First Internet Bancorp (INBK)

NASDAQ:INBK

INBK

First Internet Bancorp

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First Internet Bancorp (INBK) Ratios

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First Internet Bancorp Ratios

INBK's free cash flow for Q1 2025 was $1.00. For the 2025 fiscal year, INBK's free cash flow was decreased by $ and operating cash flow was

lt;0.01. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	147.23	101.82	147.23	978.57	1.35K
Quick Ratio	147.23	101.82	147.23	1.21K	1.66K
Cash Ratio	88.07	22.51	88.07	219.50	291.73
Solvency Ratio	0.01	<0.01	0.01	0.01	<0.01
Operating Cash Flow Ratio	28.40	0.65	28.40	27.18	9.08
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -3.75B	$ -2.97B	$ -3.75B	$ -1.86B	$ -1.97B
Leverage Ratios
Debt-to-Assets Ratio	0.16	0.14	0.16	0.15	0.14
Debt-to-Equity Ratio	1.97	1.98	1.97	1.63	1.80
Debt-to-Capital Ratio	0.66	0.66	0.66	0.62	0.64
Long-Term Debt-to-Capital Ratio	0.66	0.56	0.66	0.62	0.64
Financial Leverage Ratio	12.45	14.24	12.45	11.07	12.83
Debt Service Coverage Ratio	0.74	0.02	0.74	1.20	0.52
Interest Coverage Ratio	0.67	0.05	0.67	1.20	0.47
Debt to Market Cap	3.11	2.17	3.11	1.33	2.10
Interest Debt Per Share	81.76	100.06	81.76	67.20	67.77
Net Debt to EBITDA	9.48	0.00	9.48	2.70	4.19
Profitability Margins
Gross Profit Margin	100.00%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	-7.70%	-6.81%	-7.70%	47.79%	-8.55%
EBITDA Margin	43.07%	0.00%	43.07%	55.21%	45.58%
Operating Profit Margin	35.37%	10.45%	35.37%	47.79%	37.03%
Pretax Profit Margin	35.37%	5.85%	35.37%	47.79%	37.03%
Net Profit Margin	31.35%	9.98%	31.35%	40.65%	32.17%
Continuous Operations Profit Margin	31.35%	9.98%	31.35%	40.65%	32.17%
Net Income Per EBT	88.63%	170.38%	88.63%	85.05%	86.89%
EBT Per EBIT	100.00%	56.01%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.78%	0.16%	0.78%	1.14%	0.69%
Return on Equity (ROE)	9.74%	2.32%	9.74%	12.65%	8.90%
Return on Capital Employed (ROCE)	0.88%	0.17%	0.88%	1.34%	0.80%
Return on Invested Capital (ROIC)	7.06%	0.23%	7.06%	1.78%	1.15%
Return on Tangible Assets	0.78%	0.16%	0.78%	1.14%	0.69%
Earnings Yield	15.36%	3.94%	15.36%	10.31%	10.41%
Efficiency Ratios
Receivables Turnover	5.38	0.09	5.38	0.13	0.09
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	1.56	1.15	1.56	1.98	2.44
Asset Turnover	0.02	0.02	0.02	0.03	0.02
Working Capital Turnover Ratio	0.09	-3.84	0.09	0.06	0.05
Cash Conversion Cycle	67.83	4.13K	67.83	2.86K	4.11K
Days of Sales Outstanding	67.83	4.13K	67.83	2.86K	4.11K
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	67.83	4.13K	67.83	2.86K	4.11K
Cash Flow Ratios
Operating Cash Flow Per Share	8.68	1.32	8.68	5.53	1.33
Free Cash Flow Per Share	6.84	0.71	6.84	2.52	-1.27
CapEx Per Share	1.84	0.61	1.84	3.01	2.60
Free Cash Flow to Operating Cash Flow	0.79	0.54	0.79	0.45	-0.96
Dividend Paid and CapEx Coverage Ratio	4.17	1.55	4.17	1.70	0.47
Capital Expenditure Coverage Ratio	4.72	2.18	4.72	1.83	0.51
Operating Cash Flow Coverage Ratio	0.11	0.02	0.11	0.09	0.02
Operating Cash Flow to Sales Ratio	0.73	0.14	0.73	0.46	0.14
Free Cash Flow Yield	28.18%	2.95%	28.18%	5.35%	-4.42%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	6.51	25.40	6.51	9.70	9.60
Price-to-Sales (P/S) Ratio	2.04	2.53	2.04	3.94	3.09
Price-to-Book (P/B) Ratio	0.63	0.59	0.63	1.23	0.85
Price-to-Free Cash Flow (P/FCF) Ratio	3.55	33.86	3.55	18.70	-22.64
Price-to-Operating Cash Flow Ratio	2.80	18.30	2.80	8.51	21.64
Price-to-Earnings Growth (PEG) Ratio	-0.28	-0.34	-0.28	0.16	0.50
Price-to-Fair Value	0.63	0.59	0.63	1.23	0.85
Enterprise Value Multiple	14.22	0.00	14.22	9.84	10.96
Enterprise Value	694.32M	527.65M	694.32M	642.74M	457.52M
EV to EBITDA	14.22	0.00	14.22	9.84	10.96
EV to Sales	6.12	6.25	6.12	5.43	5.00
EV to Free Cash Flow	10.65	83.58	10.65	25.76	-36.63
EV to Operating Cash Flow	8.39	45.18	8.39	11.72	35.01
Tangible Book Value Per Share	37.15	40.52	37.15	37.40	32.79
Shareholders’ Equity Per Share	38.29	41.05	38.29	38.35	33.63
Tax and Other Ratios
Effective Tax Rate	0.11	-0.70	0.11	0.15	0.13
Revenue Per Share	11.90	9.55	11.90	11.93	9.30
Net Income Per Share	3.73	0.95	3.73	4.85	2.99
Tax Burden	0.89	1.70	0.89	0.85	0.87
Interest Burden	-4.59	-0.86	-4.59	1.00	-4.33
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.06	0.58	0.06	0.05	0.06
Stock-Based Compensation to Revenue	0.02	0.01	0.02	0.02	0.02
Income Quality	2.33	1.39	2.33	1.14	0.44

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