First Internet Bancorp (INBK)

First Internet Bancorp Statistics

Total Valuation

INBK has a market cap or net worth of $206.64 million. The enterprise value is $140.38 million.

Market Cap	206.64M
Enterprise Value	140.38M

Important Dates

The next estimated earnings date is Wednesday, April 23, 2025, after market close.

Earnings Date	Apr 23, 2025
Ex-Dividend Date	Mar 31, 2025

Share Statistics

INBK has 8.70 million shares outstanding. The number of shares has decreased by -1.05% in one year.

Current Share Class	8.70M
Shares Outstanding	8.70M
Shares Change (YoY)	-1.05%
Shares Change (QoQ)	+0.23%
Owned by Insiders (%)	7.14%
Owned by Institutions (%)	76.88%
Float	8.08M

Valuation Ratios

The trailing PE ratio is 8.25 and the forward PE ratio is 5.78.

PE Ratio	8.25
Forward PE	5.78
PS Ratio	1.76
Forward PS	1.71
PB Ratio	0.54
P/TBV Ratio	0.54
P/FCF Ratio	19.87
P/OCF Ratio	15.91
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	5.55
EV / Sales	1.19
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	13.50

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	38.50
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.77%.

Return on Equity (ROE)	6.77%
Return on Assets (ROA)	0.46%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$360,896
Profits Per Employee	$77,534
Employee Count	326
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, INBK has paid $2.27 million in taxes.

Income Tax	2.27M
Effective Tax Rate	8.23%

Stock Price Statistics

The stock price has decreased by -26.12% in the last 52 weeks. The beta is 0.53, so INBK's price volatility has been lower than the market average.

Beta (5Y)	0.53
52-Week Price Change	-26.12%
50-Day Moving Average	29.72
200-Day Moving Average	33.84
Relative Strength Index (RSI)	28.01
Average Volume (20 Days)	36,368

Short Selling Information

The latest short interest is 38,246, so 0.44% of the outstanding shares have been sold short.

Short Interest	38,246
Short Previous Month	28,631
Short % of Shares Out	0.44%
Short % of Float	0.47%
Short Ratio (days to cover)	1.44

Income Statement

In the last 12 months, INBK had revenue of $117.65 million and earned $25.28 million in profits. Earnings per share was $2.88.

Revenue	117.65M
Gross Profit	117.65M
Operating Income	32.54M
Pretax Income	18.24M
Net Income	25.28M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.88

Balance Sheet

The company has $466.61 million in cash and $400.35 million in debt, giving a net cash position of $66.26 million or $7.62 per share.

Cash & Cash Equivalents	466.61M
Total Debt	400.35M
Net Cash	66.26M
Net Cash Per Share	$7.62
Equity (Book Value)	384.06M
Book Value Per Share	44.31
Working Capital	-4.45B

Cash Flow

In the last 12 months, operating cash flow was $12.99 million and capital expenditures -$2.59 million, giving a free cash flow of $10.40 million.

Operating Cash Flow	12.99M
Capital Expenditures	-2.59M
Free Cash Flow	10.40M
FCF Per Share	$1.20

Margins

Gross Margin	n/a
Operating Margin	27.66%
Pretax Margin	23.41%
Profit Margin	21.48%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	8.84%

Dividends & Yields

This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.01%.

Dividend Per Share	$0.24
Dividend Yield	1.01%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	8.33%
Buyback Yield	1.05%
Shareholder Yield	2.06%
Earnings Yield	12.23%
FCF Yield	5.03%

Analyst Forecast

The average price target for INBK is $40.50, which is 70.46% higher than the current price. The consensus rating is "Buy".

Price Target	$40.50
Price Target Difference	70.46%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	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	3