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Company Analysis

First Internet Bancorp INBK

A comprehensive view of key metrics, scores, and financial health for First Internet Bancorp

Overview of First Internet Bancorp

INBK NMS
Financial Services Banks - Regional Micro Cap
First Internet Bancorp (INBK), is a Micro Cap company, in the Banks - Regional industry, last closed at $19.60, about 112.1% undervalued vs fair value, -28.0% 1Y return, ranked 929/1004 in sector.
$19.60
-1.66%
As of March 13, 2026
Previous close • Vol 90d: 41.9%
52-Week Range
Market Cap
$171.07M
Enterprise Value
$519.89M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.firstinternetbanco...
HQ Fishers, IN
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$23
$42
$78
Current: $19.60 +112% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$291.9M
21.9%%
Interest Expense
$206.4M
Net Interest Income
$87.4M
16.7%%
Total Revenue
$322.9M
150.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
6.6%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$2.4M
9.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating First Internet Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
20
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
20
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing INBK's balance between Growth (61.9%), Profitability (15.0%), and Safety (23.1%). Growth 62% Safety 23% Profitability 15%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

67th percentile vs peers
68
Key Signals
Rev Growth YoY 1.50 93p Revenue CAGR 3Y 41.5% 93p Asset Growth YoY -2.9% 9p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.50, 93th percentile)
  • Revenue Cagr 3Y in top 20% of peers (41.5%, 93th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks
  • Asset Growth Yoy in bottom 20% of peers (-2.9%)

Profitability

16th percentile vs peers
16
Key Signals
Strengths
Risks
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Safety

25th percentile vs peers
25
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for First Internet Bancorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$41.57
- - -
+112.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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