First Internet Bancorp (INBK)

First Internet Bancorp Statistics

Total Valuation

INBK has a market cap or net worth of $176.82 million. The enterprise value is -$255.95 million.

Market Cap	176.82M
Enterprise Value	-255.95M

Important Dates

The next estimated earnings date is Wednesday, January 21, 2026, after market close.

Earnings Date	Jan 21, 2026
Ex-Dividend Date	Sep 30, 2025

Share Statistics

INBK has 8.71 million shares outstanding. The number of shares has decreased by -0.27% in one year.

Current Share Class	8.71M
Shares Outstanding	8.71M
Shares Change (YoY)	-0.27%
Shares Change (QoQ)	-0.21%
Owned by Insiders (%)	7.68%
Owned by Institutions (%)	73.02%
Float	8.04M

Valuation Ratios

PE Ratio	n/a
Forward PE	6.13
PS Ratio	3.79
Forward PS	1.23
PB Ratio	0.50
P/TBV Ratio	0.51
P/FCF Ratio	n/a
P/OCF Ratio	n/a
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	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -8.99%.

Return on Equity (ROE)	-8.99%
Return on Assets (ROA)	-0.58%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$143,347
Profits Per Employee	-$101,617
Employee Count	326
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-14.92M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has decreased by -51.37% in the last 52 weeks. The beta is 0.85, so INBK's price volatility has been lower than the market average.

Beta (5Y)	0.85
52-Week Price Change	-51.37%
50-Day Moving Average	20.09
200-Day Moving Average	23.81
Relative Strength Index (RSI)	60.43
Average Volume (20 Days)	87,877

Short Selling Information

The latest short interest is 83,796, so 0.96% of the outstanding shares have been sold short.

Short Interest	83,796
Short Previous Month	83,406
Short % of Shares Out	0.96%
Short % of Float	1.04%
Short Ratio (days to cover)	1.02

Income Statement

In the last 12 months, INBK had revenue of $46.73 million and -$33.13 million in losses. Loss per share was -$3.80.

Revenue	46.73M
Gross Profit	46.73M
Operating Income	-42.03M
Pretax Income	-48.04M
Net Income	-33.13M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$3.80

Balance Sheet

The company has $787.91 million in cash and $355.14 million in debt, giving a net cash position of $432.78 million or $49.71 per share.

Cash & Cash Equivalents	787.91M
Total Debt	355.14M
Net Cash	432.78M
Net Cash Per Share	$49.71
Equity (Book Value)	352.17M
Book Value Per Share	40.42
Working Capital	-3.89B

Cash Flow

In the last 12 months, operating cash flow was -$26.43 million and capital expenditures -$1.44 million, giving a free cash flow of -$27.86 million.

Operating Cash Flow	-26.43M
Capital Expenditures	-1.44M
Free Cash Flow	-27.86M
FCF Per Share	-$3.20

Margins

Gross Margin	n/a
Operating Margin	-89.94%
Pretax Margin	-102.81%
Profit Margin	-70.89%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.18%.

Dividend Per Share	$0.24
Dividend Yield	1.18%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	0.27%
Shareholder Yield	1.45%
Earnings Yield	-18.73%
FCF Yield	-15.76%

Analyst Forecast

The average price target for INBK is $28.67, which is 41.30% higher than the current price. The consensus rating is "Hold".

Price Target	$28.67
Price Target Difference	41.30%
Analyst Consensus	Hold
Analyst Count	3
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	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	1