INBK
BEARISH
$23.14
Live
First Internet Bancorp · NASDAQ
Target $25.7
(+11.1%)
$17.05
52W Range
$28.51
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 12, 2026
Market cap
$201.7M
P/E
N/A
ROE
-9.5%
Profit margin
-79.6%
Debt/Equity
N/A
Dividend yield
1.04%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
The deterministic health profile is severely compromised, headlined by a Piotroski F-Score of 2/9, indicating weak financial health and deteriorating fundamentals. While the stock trades at a deep discount to book value (P/B 0.56) and has an attractive forward P/E of 4.88, these valuation metrics are likely 'value traps' given the negative ROE (-9.46%) and a staggering profit margin of -79.64%. Despite a recent short-term price rally and bullish analyst recommendations, the underlying data shows declining YoY revenue and earnings growth coupled with significant earnings misses.
Key Strengths
Deeply undervalued relative to book value (P/B 0.56)
Very low forward P/E ratio of 4.88
Positive short-term price momentum (1M +18.1%)
Low dividend payout ratio (13.64%) providing a safety buffer for the current yield
Positive analyst consensus with a target price of $25.70
Key Risks
Critical financial health failure (Piotroski F-Score 2/9)
Severe lack of profitability with a -79.64% profit margin
Negative Return on Equity (ROE) of -9.46%
Negative YoY revenue (-8.00%) and earnings (-28.00%) growth
High earnings volatility and frequent significant misses against estimates
AI Fair Value Estimate
Based on comprehensive analysis
$24.2
+4.6% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
42
Moderate
85
30
40
15
40
AI Verdict
High Risk / Value Trap
Key drivers: Piotroski F-Score 2/9, Negative ROE, Deep P/B discount, Negative Profit Margins
Confidence
80%
Value
85/100
Ref P/E, P/B
Positives
- P/B of 0.56 is extremely low
- Forward P/E of 4.88 is well below sector averages
Watchpoints
- Low valuation is justified by poor fundamental health
Future
30/100
Ref Growth rates
Positives
- Slight Q/Q revenue growth (4.59%)
Watchpoints
- Negative YoY revenue and earnings growth
- Poor earnings surprise track record
Past
40/100
Ref Historical trends
Positives
- 3Y change is positive (+43.6%)
Watchpoints
- 5Y change is negative (-30.3%)
- Recent quarterly earnings progression is volatile
Health
15/100
Ref Piotroski F-Score
Positives
No standout positives identified.
Watchpoints
- Piotroski F-Score 2/9 indicates weak health
- Negative ROA and ROE
Dividend
40/100
Ref Yield, Payout
Positives
- Low payout ratio
Watchpoints
- Low dividend strength score (25/100)
- Low overall yield (1.04%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$23.14
Analyst Target
$25.7
Upside/Downside
+11.1%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for INBK and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
INBK
First Internet Bancorp
Primary
|
-30.3% | +43.6% | +4.8% | +10.4% | +18.1% | +12.5% |
|
CMTV
Community Bancorp
Peer
|
+130.5% | +116.2% | +119.1% | +63.4% | +15.3% | +16.1% |
|
CZWI
Citizens Community Bancorp, Inc.
Peer
|
+70.0% | +105.0% | +55.1% | +29.3% | +14.6% | +3.4% |
|
BKN
BlackRock Investment Quality Municipal Trust Inc.
Peer
|
-13.6% | +6.0% | +5.5% | +10.1% | +2.0% | -1.6% |
|
CNCK
Coincheck Group N.V.
Peer
|
-85.6% | -86.2% | -69.6% | -72.8% | -41.7% | -5.4% |
INB
First Internet Bancorp
Primary
5Y
-30.3%
3Y
+43.6%
1Y
+4.8%
6M
+10.4%
1M
+18.1%
1W
+12.5%
CMT
Community Bancorp
Peer
5Y
+130.5%
3Y
+116.2%
1Y
+119.1%
6M
+63.4%
1M
+15.3%
1W
+16.1%
CZW
Citizens Community Bancorp, Inc.
Peer
5Y
+70.0%
3Y
+105.0%
1Y
+55.1%
6M
+29.3%
1M
+14.6%
1W
+3.4%
BKN
BlackRock Investment Quality Municipal Trust Inc.
Peer
5Y
-13.6%
3Y
+6.0%
1Y
+5.5%
6M
+10.1%
1M
+2.0%
1W
-1.6%
CNC
Coincheck Group N.V.
Peer
5Y
-85.6%
3Y
-86.2%
1Y
-69.6%
6M
-72.8%
1M
-41.7%
1W
-5.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
4.88
PEG Ratio
N/A
P/B Ratio
0.56
P/S Ratio
4.57
EV/Revenue
2.26
EV/EBITDA
N/A
Market Cap
$201.7M
Profitability
Profit margins and return metrics
Profit Margin
-79.64%
Operating Margin
23.78%
Gross Margin
N/A
ROE
-9.46%
ROA
-0.62%
Growth
Revenue and earnings growth rates
Revenue Growth
-8.0%
Earnings Growth
-28.0%
Q/Q Revenue Growth
+4.59%
Q/Q Earnings Growth
-27.8%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$52.43
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
13.3%
Total Assets
$5.6B
Liabilities
$5.2B
Equity
$0.4B
Debt/Equity
14.49x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
99%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2026-01-29
$0.64
+12.8% surprise
2025-10-22
$-4.76
-103.6% surprise
2025-07-23
$0.02
-93.5% surprise
Financial Services Sector Comparison
Comparing INBK against 362 companies in the Financial Services sector
(63 bullish, 158 neutral, 141 bearish)
Return on Equity (ROE)
-9.46%
This Stock
vs
-0.05%
Sector Avg
+17989.7%
(Excellent)
Profit Margin
-79.64%
This Stock
vs
66.07%
Sector Avg
-220.5%
(Weaker)
Revenue Growth
-8.0%
This Stock
vs
43.38%
Sector Avg
-118.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
INBK
First Internet Bancorp
|
BEARISH | $201.7M | - | -9.5% | -79.6% | $23.14 | |
|
CMTV
Community Bancorp
|
BULLISH | $202.27M | 11.99 | 16.0% | 35.8% | $36.09 | Compare |
|
CZWI
Citizens Community Bancorp, Inc.
|
NEUTRAL | $197.19M | 13.74 | 7.9% | 23.9% | $20.48 | Compare |
|
BKN
BlackRock Investment...
|
BEARISH | $192.88M | - | -6.2% | -81.7% | $11.21 | Compare |
|
CNCK
Coincheck Group N.V.
|
NEUTRAL | $190.3M | 140.0 | 0.2% | 0.0% | $1.4 | Compare |
INBK
First Internet Bancorp
BEARISH
Mkt Cap
$202M
P/E
-
ROE
-9.5%
Price
$23.14
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-24 | FENECH JOSEPH A. | Director | Purchase | 1,000 | $19,830 |
| 2026-01-20 | BECKER DAVID B | Chief Executive Officer | Stock Award | 12,566 | - |
| 2026-01-20 | LORCH NICOLE S | President | Stock Award | 8,084 | - |
| 2026-01-20 | LOVIK KENNETH J | Chief Financial Officer | Stock Award | 4,620 | - |
| 2025-11-17 | LORCH NICOLE S | President | Purchase | 2,000 | $35,920 |
| 2025-10-30 | DEE ANN C. | Director | Purchase | 1,110 | $19,913 |
| 2025-10-29 | BECKER DAVID B | Chief Executive Officer | Purchase | 5,000 | $93,350 |
| 2025-10-28 | KEACH JOHN K JR | Director | Purchase | 2,000 | $38,680 |
FENECH JOSEPH A.
Director
2026-02-24
1,000 shares
·
$19,830
BECKER DAVID B
Chief Executive Officer
2026-01-20
12,566 shares
LORCH NICOLE S
President
2026-01-20
8,084 shares
LOVIK KENNETH J
Chief Financial Officer
2026-01-20
4,620 shares
LORCH NICOLE S
President
2025-11-17
2,000 shares
·
$35,920
DEE ANN C.
Director
2025-10-30
1,110 shares
·
$19,913
BECKER DAVID B
Chief Executive Officer
2025-10-29
5,000 shares
·
$93,350
KEACH JOHN K JR
Director
2025-10-28
2,000 shares
·
$38,680
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
5 analysts
Piper Sandler
2026-01-30
Neutral
Neutral
Keefe, Bruyette & Woods
2026-01-30
Market Perform
Market Perform
Piper Sandler
2025-10-27
Neutral
Neutral
Keefe, Bruyette & Woods
2025-10-24
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning INBK from our newsroom.
Newest → oldest
No matching news yet.