First Internet Bancorp Statistics

Total Valuation

INBK has a market cap or net worth of $214.82 million. The enterprise value is $318.76 million.

Market Cap	214.82M
Enterprise Value	318.76M

Important Dates

The last earnings date was Wednesday, April 23, 2025, after market close.

Earnings Date	Apr 23, 2025
Ex-Dividend Date	Mar 31, 2025

Share Statistics

INBK has 8.70 million shares outstanding. The number of shares has decreased by -0.18% in one year.

Current Share Class	8.70M
Shares Outstanding	8.70M
Shares Change (YoY)	-0.18%
Shares Change (QoQ)	-0.04%
Owned by Insiders (%)	7.68%
Owned by Institutions (%)	74.45%
Float	8.03M

Valuation Ratios

The trailing PE ratio is 10.30 and the forward PE ratio is 6.45.

PE Ratio	10.30
Forward PE	6.45
PS Ratio	1.76
Forward PS	1.65
PB Ratio	0.52
P/TBV Ratio	0.56
P/FCF Ratio	n/a
P/OCF Ratio	4.96
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	15.15
EV / Sales	2.78
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 5.58%.

Return on Equity (ROE)	5.58%
Return on Assets (ROA)	0.38%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$351,561
Profits Per Employee	$64,534
Employee Count	326
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, INBK has paid $928,000 in taxes.

Income Tax	928,000
Effective Tax Rate	4.22%

Stock Price Statistics

The stock price has decreased by -22.74% 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	-22.74%
50-Day Moving Average	24.99
200-Day Moving Average	32.95
Relative Strength Index (RSI)	55.87
Average Volume (20 Days)	94,722

Short Selling Information

The latest short interest is 94,498, so 1.09% of the outstanding shares have been sold short.

Short Interest	94,498
Short Previous Month	43,844
Short % of Shares Out	1.09%
Short % of Float	1.18%
Short Ratio (days to cover)	0.92

Income Statement

In the last 12 months, INBK had revenue of $114.61 million and earned $21.04 million in profits. Earnings per share was $2.40.

Revenue	114.61M
Gross Profit	114.61M
Operating Income	27.22M
Pretax Income	18.24M
Net Income	21.04M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.40

Full Income Statement

Balance Sheet

The company has $394.76 million in cash and $499.92 million in debt, giving a net cash position of -$105.16 million or -$12.09 per share.

Cash & Cash Equivalents	394.76M
Total Debt	499.92M
Net Cash	-105.16M
Net Cash Per Share	-$12.09
Equity (Book Value)	387.75M
Book Value Per Share	44.58
Working Capital	-4.51B

Full Balance Sheet

Cash Flow

Operating Cash Flow	43.03M
Capital Expenditures	-1.84M
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	23.75%
Pretax Margin	19.17%
Profit Margin	18.36%
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 0.97%.

Dividend Per Share	$0.24
Dividend Yield	0.97%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	10.00%
Buyback Yield	0.18%
Shareholder Yield	1.21%
Earnings Yield	9.85%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for INBK is $34.50, which is 39.68% higher than the current price. The consensus rating is "Buy".

Price Target	$34.50
Price Target Difference	39.68%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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