First Internet Bancorp (INBK)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 99 | 115 | 114 | 95 | 129 | 116 | 130 | - |
| Operating profit | $m | -51 | -46 | ||||||
| Net profit | $m | 29 | 48 | 36 | 8 | 25 | -35 | -31 | 21 |
| EPS reported | $ | -4.03 | -3.60 | ||||||
| Operating cashflow per share | $ | 0.40 | 18.40 | ||||||
| Capex per share | $ | 0.14 | 0.08 | ||||||
| FCF per share | $ | 0.25 | 18.36 | ||||||
| Free cash flow | $m | 2 | 160 | ||||||
| Net debt | $m | -717 | 336 | ||||||
| Book value equity | $m | 360 | 364 | ||||||
| Book value per share | $ | 41.21 | 41.46 | ||||||
| Number of shares | m | 8.73 | 8.77 | ||||||
| DPS (TTM paid) | $ | 0.24 | 0.30 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | - | ||||||
| P/B LTM | x | 0.51 | 0.50 | ||||||
| P/S LTM | x | 1.56 | 1.40 | ||||||
| P/FCF LTM | x | 82.03 | 1.14 | ||||||
| EV/EBITDA LTM | x | -1.80 | -2.13 | ||||||
| EV/Sales LTM | x | 0.25 | 1.84 | ||||||
| Earnings Yield LTM | % | -19.30% | -12.39% | ||||||
| FCF Yield | % | +1.22% | +87.93% | ||||||
| Quality | |||||||||
| ROE | % | -9.78% | -8.75% | ||||||
| ROIC | % | -0.63% | -4.21% | ||||||
| Operating margin | % | -15.76% | -14.27% | ||||||
| Gross margin | % | +13.68% | +16.66% | ||||||
| FCF/Sales | % | +0.69% | +50.07% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | - | - | ||||||
| Sales Growth YoY | % | -9.65% | +0.68% | ||||||
| Net Income Growth YoY | % | - | - | ||||||
| FCF Growth | % | -78.64% | +1440.5% | ||||||
| Operating Profit Growth | % | - | - | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.15% | +0.83% | ||||||
| Dividend Growth | % | 0.00% | +25.00% | ||||||
| Payout Ratio | % | -5.93% | -6.58% | ||||||
| FCF/Debt | x | 0.01 | 0.46 | ||||||
| Net Debt/EBITDA | x | 2.28 | -8.92 | ||||||
| EBIT/Net interest | x | -0.25 | -0.24 | ||||||
| Net debt/market cap | % | +1.95% | +1.36% | ||||||
| Net debt/Equity | x | -1.99 | 0.93 | ||||||
| Gross debt/equity | x | 0.99 | 0.95 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
First Internet Bancorp operates as the bank holding company for First Internet Bank of Indiana that provides various commercial, small business, consumer, and municipal banking products and services to individuals and commercial customers in the United States. The company offers noninterest-bearing and interest-bearing demand deposits, savings accounts, and money market accounts, as well as certificates of deposit and brokered deposits. It also provides commercial and industrial, owner-occupied commercial real estate, investor commercial real estate, construction, single tenant lease financing, single tenant lease, public, specialty, healthcare and finance, small business lending, commercial deposits and treasury management, franchise finance, residential mortgage, home equity, and other consumer loans. In addition, the company is involved in the provision of municipal finance lending and leasing products to government entities, as well as treasury management services; purchase, manage, service, and safekeeping of municipal securities; and offers corporate credit cards. First Internet Bancorp was founded in 1998 and is headquartered in Fishers, Indiana.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
First Internet Bancorp (INBK)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
First Internet Bancorp operates as the bank holding company for First Internet Bank of Indiana that provides various commercial, small business, consumer, and municipal banking products and services to individuals and commercial customers in the United States. The company offers noninterest-bearing and interest-bearing demand deposits, savings accounts, and money market accounts, as well as certificates of deposit and brokered deposits. It also provides commercial and industrial, owner-occupied commercial real estate, investor commercial real estate, construction, single tenant lease financing, single tenant lease, public, specialty, healthcare and finance, small business lending, commercial deposits and treasury management, franchise finance, residential mortgage, home equity, and other consumer loans. In addition, the company is involved in the provision of municipal finance lending and leasing products to government entities, as well as treasury management services; purchase, manage, service, and safekeeping of municipal securities; and offers corporate credit cards. First Internet Bancorp was founded in 1998 and is headquartered in Fishers, Indiana.
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