First Internet Bancorp Statistics
Total Valuation
INBK has a market cap or net worth of $253.80 million. The enterprise value is $187.96 million.
| Market Cap | 253.80M |
| Enterprise Value | 187.96M |
Important Dates
The last earnings date was Thursday, July 30, 2026, after market close.
| Earnings Date | Jul 30, 2026 |
| Ex-Dividend Date | Jun 30, 2026 |
Share Statistics
INBK has 8.73 million shares outstanding. The number of shares has decreased by -0.49% in one year.
| Current Share Class | 8.73M |
| Shares Outstanding | 8.73M |
| Shares Change (YoY) | -0.49% |
| Shares Change (QoQ) | +0.55% |
| Owned by Insiders (%) | 12.82% |
| Owned by Institutions (%) | 70.85% |
| Float | 7.51M |
Valuation Ratios
| PE Ratio | n/a |
| Forward PE | 7.31 |
| PS Ratio | 4.60 |
| Forward PS | 1.65 |
| PB Ratio | 0.70 |
| P/TBV Ratio | 0.71 |
| P/FCF Ratio | 1.59 |
| P/OCF Ratio | 1.58 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | 3.41 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.18 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.16 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is -8.34%.
| Return on Equity (ROE) | -8.34% |
| Return on Assets (ROA) | -0.54% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.77% |
| Revenue Per Employee | $155,349 |
| Profits Per Employee | -$88,530 |
| Employee Count | 355 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -14.24M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +18.37% in the last 52 weeks. The beta is 0.84, so INBK's price volatility has been lower than the market average.
| Beta (5Y) | 0.84 |
| 52-Week Price Change | +18.37% |
| 50-Day Moving Average | 27.06 |
| 200-Day Moving Average | 22.72 |
| Relative Strength Index (RSI) | 59.68 |
| Average Volume (20 Days) | 47,885 |
Short Selling Information
The latest short interest is 205,337, so 2.35% of the outstanding shares have been sold short.
| Short Interest | 205,337 |
| Short Previous Month | 202,964 |
| Short % of Shares Out | 2.35% |
| Short % of Float | 2.74% |
| Short Ratio (days to cover) | 4.77 |
Income Statement
In the last 12 months, INBK had revenue of $55.15 million and -$31.43 million in losses. Loss per share was -$3.60.
| Revenue | 55.15M |
| Gross Profit | 55.15M |
| Operating Income | -39.43M |
| Pretax Income | -45.67M |
| Net Income | -31.43M |
| EBITDA | n/a |
| EBIT | n/a |
| Loss Per Share | -$3.60 |
Balance Sheet
The company has $411.09 million in cash and $345.25 million in debt, with a net cash position of $65.84 million or $7.54 per share.
| Cash & Cash Equivalents | 411.09M |
| Total Debt | 345.25M |
| Net Cash | 65.84M |
| Net Cash Per Share | $7.54 |
| Equity (Book Value) | 363.55M |
| Book Value Per Share | 41.63 |
| Working Capital | -4.27B |
Cash Flow
In the last 12 months, operating cash flow was $160.62 million and capital expenditures -$714,000, giving a free cash flow of $159.91 million.
| Operating Cash Flow | 160.62M |
| Capital Expenditures | -714,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | -25.00M |
| Free Cash Flow | 159.91M |
| FCF Per Share | $18.31 |
Margins
| Gross Margin | n/a |
| Operating Margin | -71.49% |
| Pretax Margin | -82.81% |
| Profit Margin | -56.99% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 289.96% |
Dividends & Yields
This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 0.83%.
| Dividend Per Share | $0.24 |
| Dividend Yield | 0.83% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| Buyback Yield | 0.49% |
| Shareholder Yield | 1.31% |
| Earnings Yield | -12.38% |
| FCF Yield | 63.01% |
Analyst Forecast
The average price target for INBK is $30.90, which is 6.33% higher than the current price. The consensus rating is "Buy".
| Price Target | $30.90 |
| Price Target Difference | 6.33% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | n/a |
| Lynch Upside | n/a |
| Graham Number | n/a |
| Graham Upside | n/a |
Stock Splits
The last stock split was on June 24, 2013. It was a forward split with a ratio of 1.5:1.
| Last Split Date | Jun 24, 2013 |
| Split Type | Forward |
| Split Ratio | 1.5:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 2 |