First Internet Bancorp (INBK)

First Internet Bancorp Statistics

Total Valuation

INBK has a market cap or net worth of $303.38 million.

Market Cap	303.38M
Enterprise Value	n/a

Important Dates

The next confirmed earnings date is Wednesday, October 23, 2024, after market close.

Earnings Date	Oct 23, 2024
Ex-Dividend Date	Sep 30, 2024

Share Statistics

INBK has 8.67 million shares outstanding. The number of shares has decreased by -4.99% in one year.

Shares Outstanding	8.67M
Shares Change (YoY)	-4.99%
Shares Change (QoQ)	-1.08%
Owned by Insiders (%)	7.27%
Owned by Institutions (%)	73.70%
Float	8.04M

Valuation Ratios

The trailing PE ratio is 16.58 and the forward PE ratio is 9.44.

PE Ratio	16.58
Forward PE	9.44
PS Ratio	3.00
Forward PS	2.92
PB Ratio	0.82
P/FCF Ratio	9.60
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	21.51
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.10%.

Return on Equity (ROE)	5.10%
Return on Assets (ROA)	0.36%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$349,707
Profits Per Employee	$63,821
Employee Count	290
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

Income Tax	-264,000
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +101.15% in the last 52 weeks. The beta is 0.67, so INBK's price volatility has been lower than the market average.

Beta (5Y)	0.67
52-Week Price Change	+101.15%
50-Day Moving Average	33.97
200-Day Moving Average	31.44
Relative Strength Index (RSI)	54.91
Average Volume (20 Days)	43,568

Short Selling Information

The latest short interest is 136,624, so 1.58% of the outstanding shares have been sold short.

Short Interest	136,624
Short Previous Month	140,512
Short % of Shares Out	1.58%
Short % of Float	1.70%
Short Ratio (days to cover)	3.80

Income Statement

In the last 12 months, INBK had revenue of $101.42 million and earned $18.51 million in profits. Earnings per share was $2.11.

Revenue	101.42M
Gross Profit	101.42M
Operating Income	22.96M
Pretax Income	18.24M
Net Income	18.51M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.11

Balance Sheet

The company has $401.98 million in cash and $680.01 million in debt, giving a net cash position of -$278.03 million or -$32.08 per share.

Cash & Cash Equivalents	401.98M
Total Debt	680.01M
Net Cash	-278.03M
Net Cash Per Share	-$32.08
Equity (Book Value)	371.95M
Book Value Per Share	42.91
Working Capital	-3.78B

Cash Flow

In the last 12 months, operating cash flow was $35.34 million and capital expenditures -$3.73 million, giving a free cash flow of $31.61 million.

Operating Cash Flow	35.34M
Capital Expenditures	-3.73M
Free Cash Flow	31.61M
FCF Per Share	$3.65

Margins

Gross Margin	n/a
Operating Margin	22.64%
Pretax Margin	17.99%
Profit Margin	18.25%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	31.17%

Dividends & Yields

This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 0.69%.

Dividend Per Share	$0.24
Dividend Yield	0.69%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	11.37%
Buyback Yield	4.99%
Shareholder Yield	5.68%
Earnings Yield	6.10%
FCF Yield	10.42%

Analyst Forecast

The average price target for INBK is $40.38, which is 15.37% higher than the current price. The consensus rating is "Buy".

Price Target	$40.38
Price Target Difference	15.37%
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	4