First Internet Bancorp Statistics
Total Valuation
INBK has a market cap or net worth of $225.41 million. The enterprise value is -$63.85 million.
| Market Cap | 225.41M |
| Enterprise Value | -63.85M |
Important Dates
The last earnings date was Thursday, October 29, 2026, after market close.
| Earnings Date | Oct 29, 2026 |
| Ex-Dividend Date | Oct 1, 2026 |
Share Statistics
INBK has 8.73 million shares outstanding. The number of shares has increased by 0.13% in one year.
| Current Share Class | 8.73M |
| Shares Outstanding | 8.73M |
| Shares Change (YoY) | +0.13% |
| Shares Change (QoQ) | -1.00% |
| Owned by Insiders (%) | 12.82% |
| Owned by Institutions (%) | 72.15% |
| Float | 7.51M |
Valuation Ratios
The trailing PE ratio is 15.06 and the forward PE ratio is 5.96.
| PE Ratio | 15.06 |
| Forward PE | 5.96 |
| PS Ratio | 1.93 |
| Forward PS | 1.43 |
| PB Ratio | 0.64 |
| P/TBV Ratio | 0.64 |
| P/FCF Ratio | 1.41 |
| P/OCF Ratio | 1.40 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.02 |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.27 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.24%.
| Return on Equity (ROE) | 4.24% |
| Return on Assets (ROA) | 0.26% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.54% |
| Revenue Per Employee | $328,296 |
| Profits Per Employee | $42,208 |
| Employee Count | 355 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -1.06M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has increased by +46.82% in the last 52 weeks. The beta is 0.91, so INBK's price volatility has been similar to the market average.
| Beta (5Y) | 0.91 |
| 52-Week Price Change | +46.82% |
| 50-Day Moving Average | 27.17 |
| 200-Day Moving Average | 24.75 |
| Relative Strength Index (RSI) | 43.10 |
| Average Volume (20 Days) | 36,513 |
Short Selling Information
The latest short interest is 172,238, so 1.97% of the outstanding shares have been sold short.
| Short Interest | 172,238 |
| Short Previous Month | 187,498 |
| Short % of Shares Out | 1.97% |
| Short % of Float | 2.29% |
| Short Ratio (days to cover) | 4.26 |
Income Statement
In the last 12 months, INBK had revenue of $116.55 million and earned $14.98 million in profits. Earnings per share was $1.71.
| Revenue | 116.55M |
| Gross Profit | 116.55M |
| Operating Income | 20.25M |
| Pretax Income | 13.93M |
| Net Income | 14.98M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.71 |
Balance Sheet
The company has $652.27 million in cash and $363.01 million in debt, with a net cash position of $289.27 million or $33.12 per share.
| Cash & Cash Equivalents | 652.27M |
| Total Debt | 363.01M |
| Net Cash | 289.27M |
| Net Cash Per Share | $33.12 |
| Equity (Book Value) | 354.41M |
| Book Value Per Share | 40.58 |
| Working Capital | -4.35B |
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 | 17.37% |
| Pretax Margin | 11.95% |
| Profit Margin | 12.86% |
| 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 0.93%.
| Dividend Per Share | $0.24 |
| Dividend Yield | 0.93% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 14.00% |
| FCF Payout Ratio | 1.31% |
| Buyback Yield | -0.13% |
| Shareholder Yield | 0.80% |
| Earnings Yield | 6.64% |
| FCF Yield | 70.94% |
Analyst Forecast
The average price target for INBK is $29.88, which is 15.77% higher than the current price. The consensus rating is "Hold".
| Price Target | $29.88 |
| Price Target Difference | 15.77% |
| Analyst Consensus | Hold |
| Analyst Count | 4 |
| Revenue Growth Forecast (3Y) | 13.01% |
| 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 | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
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 | 4 |