First Internet Bancorp Statistics
Total Valuation
INBK has a market cap or net worth of $268.59 million. The enterprise value is $582.47 million.
| Market Cap | 268.59M |
| Enterprise Value | 582.47M |
Important Dates
The next confirmed earnings date is Wednesday, April 24, 2024, after market close.
| Earnings Date | Apr 24, 2024 |
| Ex-Dividend Date | Mar 27, 2024 |
Share Statistics
INBK has 8.66 million shares outstanding. The number of shares has decreased by -7.67% in one year.
| Shares Outstanding | 8.66M |
| Shares Change (YoY) | -7.67% |
| Shares Change (QoQ) | -0.63% |
| Owned by Insiders (%) | 7.57% |
| Owned by Institutions (%) | 68.32% |
| Float | 8.06M |
Valuation Ratios
The trailing PE ratio is 32.66 and the forward PE ratio is 10.35.
| PE Ratio | 32.66 |
| Forward PE | 10.35 |
| PS Ratio | 3.18 |
| Forward PS | 2.79 |
| PB Ratio | 0.74 |
| P/FCF Ratio | 42.55 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 54.50, with an EV/FCF ratio of 92.26.
| EV / Earnings | 69.20 |
| EV / Sales | 6.90 |
| EV / EBITDA | 54.50 |
| EV / EBIT | 117.91 |
| EV / FCF | 92.26 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.98 |
| Debt / EBITDA | 67.34 |
| Debt / FCF | 114.01 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 2.40% and return on invested capital (ROIC) is 0.78%.
| Return on Equity (ROE) | 2.40% |
| Return on Assets (ROA) | 0.20% |
| Return on Capital (ROIC) | 0.78% |
| Revenue Per Employee | $293,993 |
| Profits Per Employee | $29,328 |
| Employee Count | 287 |
| Asset Turnover | 0.02 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -3.48M |
| Effective Tax Rate | -70.38% |
Stock Price Statistics
The stock price has increased by +101.23% in the last 52 weeks. The beta is 0.71, so INBK's price volatility has been lower than the market average.
| Beta (1Y) | 0.71 |
| 52-Week Price Change | +101.23% |
| 50-Day Moving Average | 32.17 |
| 200-Day Moving Average | 23.43 |
| Relative Strength Index (RSI) | 42.51 |
| Average Volume (30 Days) | 55,570 |
Short Selling Information
The latest short interest is 91,883, so 1.06% of the outstanding shares have been sold short.
| Short Interest | 91,883 |
| Short Previous Month | 85,227 |
| Short % of Shares Out | 1.06% |
| Short % of Float | 1.14% |
| Short Ratio (days to cover) | 1.85 |
Income Statement
In the last 12 months, INBK had revenue of $84.38 million and earned $8.42 million in profits. Earnings per share was $0.95.
| Revenue | 84.38M |
| Gross Profit | 84.38M |
| Operating Income | 4.94M |
| Pretax Income | 4.94M |
| Net Income | 8.42M |
| EBITDA | 10.69M |
| EBIT | 4.94M |
| Earnings Per Share (EPS) | $0.95 |
Balance Sheet
The company has $405.90 million in cash and $719.77 million in debt, giving a net cash position of -$313.87 million or -$36.26 per share.
| Cash & Cash Equivalents | 405.90M |
| Total Debt | 719.77M |
| Net Cash | -313.87M |
| Net Cash Per Share | -$36.26 |
| Equity / Book Value | 362.80M |
| Book Value Per Share | 41.91 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $11.68 million and capital expenditures -$5.37 million, giving a free cash flow of $6.31 million.
| Operating Cash Flow | 11.68M |
| Capital Expenditures | -5.37M |
| Free Cash Flow | 6.31M |
| FCF Per Share | $0.71 |
Margins
Gross margin is 100.00%, with operating and profit margins of 5.85% and 9.98%.
| Gross Margin | 100.00% |
| Operating Margin | 5.85% |
| Pretax Margin | 5.85% |
| Profit Margin | 9.98% |
| EBITDA Margin | 12.67% |
| EBIT Margin | 5.85% |
| FCF Margin | 7.48% |
Dividends & Yields
This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 0.77%.
| Dividend Per Share | $0.24 |
| Dividend Yield | 0.77% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 25.26% |
| Buyback Yield | 7.67% |
| Shareholder Yield | 8.45% |
| Earnings Yield | 3.13% |
| FCF Yield | 2.35% |
Analyst Forecast
The average price target for INBK is $26.00, which is -16.21% lower than the current price. The consensus rating is "Buy".
| Price Target | $26.00 |
| Price Target Difference | -16.21% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
| 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 15:10.
| Last Split Date | Jun 24, 2013 |
| Split Type | Forward |
| Split Ratio | 15:10 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 5 |