First Internet Bancorp
INBK
NASDAQ·Financial Services·Banks - Regional·Mkt cap $259.3M
$29.75
▲ +3.98%
P/E
-8.26
Mkt Cap
$259.3M
52-Wk Range
$17.05–$31.09
52-Week Range
$17.05 - $31.09
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 20.8% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Digital-first banking platform reducing operational costs and improving customer accessibility
- Specialized lending expertise in niche markets including municipal finance, franchise lending, and healthcare finance
- Diversified loan portfolio reducing concentration risk across commercial, real estate, and consumer segments
- Efficient online banking model enabling competitive pricing without extensive branch infrastructure
Bear Case
1 risk
- Average volatility.
Growth
Turning profitable
Expansion of small business and commercial lending in underserved markets
Value
Fairly valued vs Commercial Banking peers
Momentum
Strong
+19.0% over 3m
Quality
Thin
Solid business
Dividend
Modest
0.81% yield
Smart-money signal
Who's buying INBK right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 28, 2026
JUL 30, 2026
Reported EPS of $0.27 vs $0.15 consensus (+80.0% surprise). Revenue of $41.1M vs $43.8M expected (-6.2%).
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+80.0%
Revenue trend · last 8Q
—
+48%
+23%
+4%
-88%
+134%
+2%
-23%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$32.3M
$38.2M
$85.7M
$84.9M
$57.9M
$89.4M
$87.3M
$65.1M
Margins · last 8Q
Gross
-41.2%
Operating
-2.7%
Profit
3.6%
Wall Street consensus
3 analysts · 33% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
33%
Hold
67%
Sell
0%
Median Price Target
—
Latest: Benchmark · Jul 31, 2026
vs Industry
How INBK stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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