First Internet Bancorp

INBK | NASDAQ

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$27.42

-$0.19 (-0.69%)

Sep 22, 2026, 10:06 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $240.67M

Enterprise Value $-554.7M

Beta 0.83

Average Volume 48.04K

Shares Outstanding (Diluted) N/A

Shares Change YoY 0.1%

Institutional Ownership 68.52%

Exchange NASDAQ

ISIN US3205571017

Price Performance

Price Change 1M -5.3%

Price Change 3M 6.1%

Price Change 6M 36.6%

Price Change YTD 35.1%

Price Change 1Y 15.2%

Price Change 3Y 63.6%

Price Change 5Y -8.0%

1M CAGR (ann.) -5.5%

1Y CAGR (ann.) 10.5%

5Y CAGR (ann.) 0.0%

All-Time CAGR 5.5%

Valuation

PE Ratio -7.65

Forward PE 5.99

PEG Ratio 0.02

Forward PEG -0.08

PS Ratio 0.80

Forward PS 1.20

PB Ratio 0.66

P/FCF Ratio 5.33

P/Adj. FCF Ratio 5.55

P/OCF Ratio 1.50

EV/Sales -1.85

EV/EBIT 11.74

EV/EBITDA -319.34

EV/FCF -12.29

Earnings Yield -13.1%

FCF Yield 18.8%

Adj. FCF Yield 18.0%

Financial Health

Net Cash $795.37M

Total Debt $0

Cash & Short-Term Investments $795.37M

Total Assets $5.56B

Current Ratio 0.01

Quick Ratio 0.01

Debt / Equity Ratio 0.95

Debt / EBITDA 0.00

Debt / FCF 0.00

OCF / Debt N/A

Interest Coverage -0.24

Altman Z-Score -0.93

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 16.7%

Operating Profit Margin -16.4%

EBITDA Margin -11.8%

Net Profit Margin -9.8%

FCF Margin 15.1%

Adj. FCF Margin 14.5%

SBC / Revenue 0.7%

SBC Impact (per share) -4.0%

Returns

Return on Assets -0.6%

Return on Equity -8.8%

Return on Invested Capital -4.2%

Return on Capital Employed -6.3%

Return on Tangible Assets -0.6%

Historical Growth (CAGR)

Revenue CAGR 3Y 12.4%

Revenue CAGR 5Y 11.9%

Revenue CAGR 10Y 17.7%

EPS CAGR 3Y -3075.0%

EPS CAGR 5Y -122.5%

EPS CAGR 10Y -17.6%

FCF CAGR 3Y -1.6%

FCF CAGR 5Y 0.7%

FCF CAGR 10Y 21.5%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 11

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 27, 2026

EPS Estimate (next Q) $0.80

EPS Growth Est (next Q) -155.9%

Revenue Est (next Q) $45.75M

Revenue Growth Est (next Q) -21.0%

Fair Value Estimates

Graham Number N/A

Graham Upside N/A

Lynch Fair Value N/A

Lynch Upside N/A

Price Target $29.50

Price Target Upside 6.8%

Cash Flow

Operating Cash Flow $46.17M

Free Cash Flow $45.13M

Adj. Free Cash Flow $43.35M

FCF Per Share $18.36

OCF Per Share $18.40

OCF/S Ratio 50.2%

Income Statement

Revenue $299.77M

Gross Profit $-1.22M

Operating Income $-49.04M

EBITDA $1.74M

Net Income $-31.43M

EPS (Diluted) -$3.61

Revenue / Employee $846.8K

Profit / Employee $-88.78K

Employees 354