First Internet Bancorp (INBK)

Price$24.33

Favorite Metrics

Price vs S&P 500 (26W)6.80%

Price vs S&P 500 (4W)8.89%

Market Capitalization$212.08M

Indicated Dividend Yield (Annual)0.99%

All Metrics

P/CF (Annual)61.49x

Book Value / Share (Quarterly)$41.41

P/TBV (Annual)0.48x

Indicated Dividend (Annual)$0.24

Revenue Growth (3Y)2.10%

Cash Flow / Share (Quarterly)$0.26

Payout Ratio (TTM)24.44%

Price vs S&P 500 (YTD)12.65%

Net Profit Margin (TTM)10.49%

EPS (TTM)$-4.02

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$-4.02

Revenue Growth (5Y)13.12%

EPS (Annual)$-4.03

Dividend / Share (Annual)$0.24

ROI (Annual)-7.56%

Net Profit Margin (5Y Avg)32.74%

Cash / Share (Quarterly)$0.41

Revenue Growth QoQ (YoY)61.17%

ROA (Last FY)-0.63%

Revenue Growth TTM (YoY)50.48%

EBITD / Share (TTM)$-5.10

ROE (5Y Avg)4.30%

Operating Margin (TTM)8.13%

Cash Flow / Share (Annual)$0.26

P/B Ratio0.59x

P/B Ratio (Quarterly)0.51x

Net Income / Employee (Annual)$-0

ROA (TTM)-0.61%

EPS Growth QoQ (YoY)-27.30%

EV / EBITDA (TTM)14.63x

EPS Incl Extra (Annual)$-4.03

3-Month Avg Trading Volume0.06M

52-Week Price Return2.23%

EV / Free Cash Flow (Annual)142.97x

Tangible BV / Share (Quarterly)$39.57

P/S Ratio (Annual)1.45x

52-Week High$28.51

Operating Margin (5Y Avg)37.12%

EPS Excl Extra (Annual)$-4.03

CapEx CAGR (5Y)-45.51%

Tangible BV CAGR (5Y)10.42%

26-Week Price Return13.69%

13-Week Price Return9.30%

Total Debt / Equity (Annual)0.29x

Enterprise Value$317.541

Revenue / Share Growth (5Y)6.45%

Book Value / Share Growth (5Y)4.16%

Revenue / Employee (Annual)$391,240

Pretax Margin (Annual)33.88%

Cash / Share (Annual)$1.92

3-Month Return Std Dev43.36%

Net Income / Employee (TTM)$-0

EBITDA Interim CAGR (5Y)-16.87%

ROE (Last FY)-9.78%

EPS Basic Excl Extra (Annual)$-4.03

P/FCF (TTM)2.28x

EV / Free Cash Flow (TTM)142.97x

Total Debt / Equity (Quarterly)0.29x

EPS Incl Extra (TTM)$-4.02

ROI (TTM)-7.36%

Dividend Growth Rate (5Y)-0.04%

P/S Ratio (TTM)1.70x

Pretax Margin (5Y Avg)37.12%

Revenue / Share (Annual)$12.33

Tangible BV / Share (Annual)$39.74

Forward P/E10.85x

Price vs S&P 500 (52W)-32.41%

Year-to-Date Return16.58%

5-Day Price Return3.75%

EPS Normalized (Annual)$-4.03

ROA (5Y Avg)0.38%

Net Profit Margin (Annual)30.03%

Month-to-Date Return19.38%

Cash Flow / Share (TTM)$1.73

EBITD / Share (Annual)$-5.12

Operating Margin (Annual)33.88%

LT Debt / Equity (Annual)0.29x

P/CF (TTM)61.49x

ROI (5Y Avg)3.38%

LT Debt / Equity (Quarterly)0.29x

EPS Basic Excl Extra (TTM)$-4.02

P/TBV (Quarterly)0.50x

Payout Ratio (Annual)8.22%

P/B Ratio (Annual)0.51x

Dividend / Share (TTM)$0.24

Pretax Margin (TTM)8.13%

Book Value / Share (Annual)$41.41

Price vs S&P 500 (13W)6.92%

Net Margin Growth (5Y)2.56%

Dividend Yield (TTM)0.98%

Beta0.92x

P/FCF (Annual)95.49x

Revenue / Share (TTM)$11.24

ROE (TTM)-9.44%

52-Week Low$17.05

Analyst Recommendations

Jan 2026

Feb 2026

Mar 2026

Apr 2026

3.82

3.90

3.82

Industry Peers — State Banks(184)

Symbol	P/B Ratio (Quarterly)	ROE (TTM)	ROA (TTM)	Net Interest Coverage (TTM)	Price
INBKFirst Internet Bancorp	0.51x	-9.44%	-0.61%	—	$24.33
ITUBItau Unibanco Holding S.A. American Depositary Shares	2.03x	20.76%	1.50%	—	$9.28
BNSBank of Nova Scotia	1.45x	10.41%	0.62%	—	$76.78
BKBank of New York Mellon Corporation	1.83x	12.66%	1.20%	—	$135.37
FITBFifth Third Bancorp	1.23x	8.86%	0.93%	—	$50.98
FITBIFifth Third Bancorp Depositary Shares	1.23x	8.86%	0.93%	—	$25.31
FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M	1.23x	8.86%	0.93%	—	$25.88
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K	1.23x	8.86%	0.93%	—	$19.50
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A	1.23x	8.86%	0.93%	—	$24.18
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares)	1.04x	9.84%	0.81%	—	$4.19
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value)	1.04x	9.84%	0.81%	—	$3.73

About

First Internet Bancorp is a bank holding company specializing in commercial real estate and commercial & industrial lending, with a focus on nationwide single-tenant lease financing. Operating exclusively through digital channels without any physical branches, it serves commercial and retail customers through its Commercial Banking segment, offering business banking and treasury management services.