First Internet Bancorp Statistics
Total Valuation
INBK has a market cap or net worth of $199.36 million. The enterprise value is $122.80 million.
Important Dates
The last earnings date was Wednesday, July 23, 2025, after market close.
| Earnings Date | Jul 23, 2025 |
| Ex-Dividend Date | Jun 30, 2025 |
Share Statistics
INBK has 8.71 million shares outstanding. The number of shares has increased by 0.45% in one year.
| Current Share Class | 8.71M |
| Shares Outstanding | 8.71M |
| Shares Change (YoY) | +0.45% |
| Shares Change (QoQ) | -0.28% |
| Owned by Insiders (%) | 7.47% |
| Owned by Institutions (%) | 74.73% |
| Float | 8.06M |
Valuation Ratios
The trailing PE ratio is 13.01 and the forward PE ratio is 6.14.
| PE Ratio | 13.01 |
| Forward PE | 6.14 |
| PS Ratio | 1.88 |
| Forward PS | 1.43 |
| PB Ratio | 0.51 |
| P/TBV Ratio | 0.52 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 7.95 |
| EV / Sales | 1.16 |
| 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 | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.06%.
| Return on Equity (ROE) | 4.06% |
| Return on Assets (ROA) | 0.27% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $325,825 |
| Profits Per Employee | $47,411 |
| Employee Count | 326 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -1.35M |
| Effective Tax Rate | n/a |
Stock Price Statistics
The stock price has decreased by -30.50% in the last 52 weeks. The beta is 0.77, so INBK's price volatility has been lower than the market average.
| Beta (5Y) | 0.77 |
| 52-Week Price Change | -30.50% |
| 50-Day Moving Average | 24.88 |
| 200-Day Moving Average | 29.67 |
| Relative Strength Index (RSI) | 43.82 |
| Average Volume (20 Days) | 59,549 |
Short Selling Information
The latest short interest is 78,958, so 0.91% of the outstanding shares have been sold short.
| Short Interest | 78,958 |
| Short Previous Month | 73,207 |
| Short % of Shares Out | 0.91% |
| Short % of Float | 0.98% |
| Short Ratio (days to cover) | 1.20 |
Income Statement
In the last 12 months, INBK had revenue of $106.22 million and earned $15.46 million in profits. Earnings per share was $1.76.
| Revenue | 106.22M |
| Gross Profit | 106.22M |
| Operating Income | 19.76M |
| Pretax Income | 18.24M |
| Net Income | 15.46M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.76 |
Full Income StatementBalance Sheet
The company has $446.63 million in cash and $370.08 million in debt, giving a net cash position of $76.55 million or $8.79 per share.
| Cash & Cash Equivalents | 446.63M |
| Total Debt | 370.08M |
| Net Cash | 76.55M |
| Net Cash Per Share | $8.79 |
| Equity (Book Value) | 390.24M |
| Book Value Per Share | 44.79 |
| Working Capital | -4.71B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was -$63.17 million and capital expenditures -$1.93 million, giving a free cash flow of -$65.10 million.
| Operating Cash Flow | -63.17M |
| Capital Expenditures | -1.93M |
| Free Cash Flow | -65.10M |
| FCF Per Share | -$7.47 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 18.60% |
| Pretax Margin | 13.28% |
| Profit Margin | 14.55% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 1.05%.
| Dividend Per Share | $0.24 |
| Dividend Yield | 1.05% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 13.64% |
| Buyback Yield | -0.45% |
| Shareholder Yield | 0.60% |
| Earnings Yield | 7.75% |
| FCF Yield | -32.66% |
Dividend DetailsAnalyst Forecast
The average price target for INBK is $30.67, which is 34.05% higher than the current price. The consensus rating is "Hold".
| Price Target | $30.67 |
| Price Target Difference | 34.05% |
| Analyst Consensus | Hold |
| Analyst Count | 3 |
| 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 | 2 |