First Internet Bancorp Statistics
Total Valuation
INBK has a market cap or net worth of $205.16 million. The enterprise value is $310.94 million.
Important Dates
The next estimated earnings date is Wednesday, July 23, 2025, after market close.
| Earnings Date | Jul 23, 2025 |
| Ex-Dividend Date | Mar 31, 2025 |
Share Statistics
INBK has 8.70 million shares outstanding. The number of shares has decreased by -0.18% in one year.
| Current Share Class | 8.70M |
| Shares Outstanding | 8.70M |
| Shares Change (YoY) | -0.18% |
| Shares Change (QoQ) | -0.04% |
| Owned by Insiders (%) | 7.49% |
| Owned by Institutions (%) | 72.57% |
| Float | 8.05M |
Valuation Ratios
The trailing PE ratio is 9.83 and the forward PE ratio is 6.16.
| PE Ratio | 9.83 |
| Forward PE | 6.16 |
| PS Ratio | 1.79 |
| Forward PS | 1.59 |
| PB Ratio | 0.53 |
| P/TBV Ratio | 0.54 |
| P/FCF Ratio | 4.98 |
| P/OCF Ratio | 4.77 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 14.78 |
| EV / Sales | 2.71 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.55 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 12.15 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.58%.
| Return on Equity (ROE) | 5.58% |
| Return on Assets (ROA) | 0.38% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $351,561 |
| Profits Per Employee | $64,534 |
| Employee Count | 326 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, INBK has paid $928,000 in taxes.
| Income Tax | 928,000 |
| Effective Tax Rate | 4.22% |
Stock Price Statistics
The stock price has decreased by -16.44% in the last 52 weeks. The beta is 0.71, so INBK's price volatility has been lower than the market average.
| Beta (5Y) | 0.71 |
| 52-Week Price Change | -16.44% |
| 50-Day Moving Average | 23.71 |
| 200-Day Moving Average | 32.02 |
| Relative Strength Index (RSI) | 48.86 |
| Average Volume (20 Days) | 45,442 |
Short Selling Information
The latest short interest is 76,326, so 0.88% of the outstanding shares have been sold short.
| Short Interest | 76,326 |
| Short Previous Month | 94,498 |
| Short % of Shares Out | 0.88% |
| Short % of Float | 0.95% |
| Short Ratio (days to cover) | 0.86 |
Income Statement
In the last 12 months, INBK had revenue of $114.61 million and earned $21.04 million in profits. Earnings per share was $2.40.
| Revenue | 114.61M |
| Gross Profit | 114.61M |
| Operating Income | 27.22M |
| Pretax Income | 18.24M |
| Net Income | 21.04M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.40 |
Full Income StatementBalance Sheet
The company has $394.76 million in cash and $500.54 million in debt, giving a net cash position of -$105.77 million or -$12.16 per share.
| Cash & Cash Equivalents | 394.76M |
| Total Debt | 500.54M |
| Net Cash | -105.77M |
| Net Cash Per Share | -$12.16 |
| Equity (Book Value) | 387.75M |
| Book Value Per Share | 44.58 |
| Working Capital | -4.51B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $43.03 million and capital expenditures -$1.84 million, giving a free cash flow of $41.19 million.
| Operating Cash Flow | 43.03M |
| Capital Expenditures | -1.84M |
| Free Cash Flow | 41.19M |
| FCF Per Share | $4.74 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 23.75% |
| Pretax Margin | 19.17% |
| Profit Margin | 18.36% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 35.94% |
Dividends & Yields
This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.02%.
| Dividend Per Share | $0.24 |
| Dividend Yield | 1.02% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 10.00% |
| Buyback Yield | 0.18% |
| Shareholder Yield | 1.20% |
| Earnings Yield | 10.25% |
| FCF Yield | 20.08% |
Dividend DetailsAnalyst Forecast
The average price target for INBK is $34.50, which is 46.25% higher than the current price. The consensus rating is "Buy".
| Price Target | $34.50 |
| Price Target Difference | 46.25% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 |