Is First Internet Bancorp (INBK) Overvalued?
We dive into why First Internet Bancorp (INBK) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Tudor Pop
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
First Internet Bancorp operates as the bank holding company for First Internet Bank of Indiana that provides various commercial, small business, consumer, and municipal banking products and services to individuals and commercial customers in the United States. The company offers noninterest-bearing and interest-bearing demand deposits, savings accounts, and money market accounts, as well as certificates of deposit and brokered deposits. It also provides commercial and industrial, owner-occupied commercial real estate, investor commercial real estate, construction, single tenant lease financing, single tenant lease, public, specialty, healthcare and finance, small business lending, commercial deposits and treasury management, franchise finance, residential mortgage, home equity, and other consumer loans. In addition, the company is involved in the provision of municipal finance lending and leasing products to government entities, as well as treasury management services; purchase, manage, service, and safekeeping of municipal securities; and offers corporate credit cards. First Internet Bancorp was founded in 1998 and is headquartered in Fishers, Indiana.
Commentary & Analysis
6 Undervalued Banks Stocks for Friday, August 14
Discover the top 6 undervalued Banks stocks for Friday, August 14 based on AAII’s Stock Grades.Tudor Pop
Why First Internet Bancorp’s (INBK) Stock Is Up 5.44%
As of Friday, July 31, First Internet Bancorp’s INBK share price has surged by 5.44%, which has investors questioning if this is right time to sell.Jenna Brashear
Why First Internet Bancorp’s (INBK) Stock Is Up 11.45%
As of Friday, July 31, First Internet Bancorp’s INBK share price has surged by 11.45%, which has investors questioning if this is right time to sell.Tudor Pop
What You Need to Know About First Internet Bancorp's Q3 Earnings
First Internet Bancorp's fiscal Q3 earnings report was released on Thursday, July 30. Let's dive in to see if (INBK) missed or beat analyst's expectations.Michael Rose
Financial Summary
| Share Statistics | INBK | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $240.4 | $698.4 | 29% |
|
| Shares Out (Mil) | 8.8 | 15.8 | 19% |
|
| Institutional Ownership | 84.9% | 84.0% | 53% |
|
| Float (Mil) | 7.5 | 21.6 | 16% |
|
| Beta | 0.83 | 0.44 | 49% |
|
| Avg Daily Volume (000s) | 54 | 50 | 29% |
|
| Price Change (52-week) |
14.0% | 93.4% | 62% |
|
| Growth | INBK | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | (13.6%) | 7.7% | 4% |
|
| Net Income (5yr) | (26.1%) | 11.1% | 16% |
|
| EPS (5yr) | (27.3%) | 10.0% | 9 |
|
| Dividends (5yr) | 0.0% | 3.6% | 62% |
|
| Cash Flow (5yr) | (16.2%) | (17.1%) | 45% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $0.775 | $2.365 | $4.528 | |
| Month Ago EPS | $0.775 | $2.365 | $4.528 | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 1 | 1 | 2 | |
| Three Months Ago EPS | $0.710 | $2.107 | $4.720 | |
| Year/Year Chg | 187.0% | (158.7%) | na | |
| Financials | INBK | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $55 | $189 | 21% |
|
| Net Income (TTM) (Mil) | ($31) | $54 | 20% |
|
| EPS (TTM) | ($3.596) | $2.500 | 10% |
|
| Operating Cash Flow (TTM) (Mil) | $161 | $34 | 56% |
|
| Net Cash Flow (TTM) (Mil) | ($35) | $2 | 22% |
|
| Long-Term Debt (Q1) (Mil) | $345 | $98 | 55% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | INBK | Industry Median |
Percentile (All Stocks) |
|
| P/B | 0.66 | 1.24 | 12% |
|
| P/E | na | 12.2 | na |
|
| Dividend Yield | 0.9% | 2.2% | 66% |
|
| PEG (5yr hist) | na | 1.1 | na |
|
| Ratios | INBK | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 63.7% | na |
|
| Net Margin | (57.0%) | 29.1% | 11% |
|
| ROA | (0.5%) | 1.1% | 37% |
|
| ROE | (8.3%) | 11.3% | 28% |
|
| Liabilities to Assets | 93.5% | 89.7% | 91% |
|
| F-Score | 3 | 4 | 18% |
|
First Internet Bancorp did not pass any screens on 9/22/2026.
