Stock Scorecard
Stock Summary for First Internet Bancorp (INBK) - $22.26 as of 1/16/2026 4:31:43 PM EST
Total Score
11 out of 30
Safety Score
47 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for INBK
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for INBK
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for INBK
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for INBK
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for INBK (47 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 7 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 8 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 1 |
| Operating Margin (Max of 10) | 10 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for INBK
Financial Details for INBK
Company Overview |
|
|---|---|
| Ticker | INBK |
| Company Name | First Internet Bancorp |
| Country | USA |
| Description | First Internet Bancorp, based in Fishers, Indiana, is a progressive financial services holding company through its wholly-owned subsidiary, First Internet Bank of Indiana. Specializing in online banking solutions, the bank provides a diverse range of services tailored to both commercial and retail clients across the United States. With a strong emphasis on leveraging innovative technology and exceptional customer service, First Internet Bancorp is well-positioned to capitalize on emerging growth opportunities in the evolving financial services landscape. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/28/2026 |
Stock Price History |
|
| Last Day Price | 22.26 |
| Price 4 Years Ago | 23.54 |
| Last Day Price Updated | 1/16/2026 4:31:43 PM EST |
| Last Day Volume | 61,853 |
| Average Daily Volume | 55,361 |
| 52-Week High | 36.35 |
| 52-Week Low | 17.00 |
| Last Price to 52 Week Low | 30.94% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 17.01 |
| Sector PE | 21.46 |
| 5-Year Average PE | 7.64 |
| Free Cash Flow Ratio | 0.25 |
| Industry Free Cash Flow Ratio | 5.64 |
| Sector Free Cash Flow Ratio | 21.34 |
| Current Ratio Most Recent Quarter | 0.28 |
| Total Cash Per Share | 90.47 |
| Book Value Per Share Most Recent Quarter | 40.42 |
| Price to Book Ratio | 0.53 |
| Industry Price to Book Ratio | 1.20 |
| Sector Price to Book Ratio | 2.03 |
| Price to Sales Ratio Twelve Trailing Months | 3.98 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.43 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.93 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 8,706,100 |
| Market Capitalization | 193,797,786 |
| Institutional Ownership | 74.31% |
Dividends |
|
| Ex-Dividend Date | 12/31/2025 |
| Previous Dividend Amount | 0.0600 |
| Current Dividend Amount | 0.0600 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.24 |
| Trailing Annual Dividend Yield | 1.12% |
| Forward Annual Dividend Rate | 0.24 |
| Forward Annual Dividend Yield | 1.12% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 0.94% |
| 5-Year Average Dividend Yield | 0.88% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.73% |
| Dividend Payout Ratio | -6.32% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -97.00% |
| Annual Earnings Growth | 200.30% |
| Reported EPS 12 Trailing Months | -3.80 |
| Reported EPS Past Year | -4.63 |
| Reported EPS Prior Year | 2.52 |
| Net Income Twelve Trailing Months | -33,127,000 |
| Net Income Past Year | 25,276,000 |
| Net Income Prior Year | 8,417,000 |
| Quarterly Revenue Growth YOY | -29.60% |
| 5-Year Revenue Growth | 15.38% |
| Operating Margin Twelve Trailing Months | 182.10% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 787,661,000 |
| Total Cash Past Year | 466,410,000 |
| Total Cash Prior Year | 405,898,000 |
| Net Cash Position Most Recent Quarter | 432,775,000 |
| Net Cash Position Past Year | 66,260,000 |
| Long Term Debt Past Year | 400,150,000 |
| Long Term Debt Prior Year | 719,772,000 |
| Total Debt Most Recent Quarter | 354,886,000 |
| Equity to Debt Ratio Past Year | 0.49 |
| Equity to Debt Ratio Most Recent Quarter | 0.50 |
| Total Stockholder Equity Past Year | 384,063,000 |
| Total Stockholder Equity Prior Year | 362,795,000 |
| Total Stockholder Equity Most Recent Quarter | 352,168,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -27,864,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -3.20 |
| Free Cash Flow Past Year | 10,400,000 |
| Free Cash Flow Prior Year | 6,313,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.82 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 1/15/2026 10:57:33 PM EST |