INBK logo

FIRST INTERNET BANCORP

INBKNASDAQ
πŸ† #3631 by market capUS Equity
$25.99β–Ό $0.30 (βˆ’1.14%)
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24hβ–Ό 1.1%
7dβ–Ό 5.4%
14dβ–Ό 8.9%
30dβ–Ό 7.9%
ytdβ–² 24.7%
1yβ–² 11.6%
🏦Market Cap
$227M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-3.2%
Declining
πŸ“ŠGross Margin
16.7%
Thin
πŸ’΅FCF Margin
50.1%
Strong
βš–οΈP/S Ratio
0.7x
Cheap
Otter Score
68
Fair

Trading Snapshot

Day Range
$25.75 – $26.30
52-Week Range
$17.05 – $31.09
Volume
$2.22B
Avg Volume
$2.37B
Shares Outstanding
8.7M
Next Earnings
Nov 24, 2026

Fundamentals Snapshot

Annual Revenue
$323M
Last Q Revenue
$85M
P/E Ratio
-7.3
P/S Ratio
0.7x
EPS (TTM)
$-3.60
Dividend Yield
0.92%
Dilution (1yr)
+0.0%

Why Investors Own INBK

  • βœ“High-growth profile β€” revenue up +1.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 50% gross margin and 22% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

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FIRST INTERNET BANCORP

INBK
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$323Mβ–Ό βˆ’3.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
13.7%β–Ό βˆ’59.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
βˆ’$51Mβ–Ό βˆ’284.7% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$2Mβ–Ό βˆ’78.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
8.8Mβ–² +0.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$102Mβ–² +$36M YoY
StockOtter Β· stockotter.space

About 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
68/100

Analyst Price Target

β“˜
Average Target
$27.63
β–² +6.3% Upside
High Target$30.80
Low Target$23.36
Based on 27 analysts

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