Stocks · Financial Services · Banks - Regional
First Internet Bancorp INBK
$26.83 -2.86% Close, Oct 5, 2026 · NASDAQ · Market cap $240.8M
High risk
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $-3.60, down 304.3% year over year.
- Operating margin narrowed to -14.3% from 4.0% a year earlier.
- The stock is in an uptrend: above its 200-day average for 126 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 13%
- EPS growth (TTM, YoY)Bottom 3%
- Revenue growth, 3-year CAGRTop 23%
- Revenue growth accelerationBottom 42%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 8%
- Gross marginBottom 5%
- Operating marginBottom 7%
- Accruals (lower is better)Top 20%
- Interest coverBottom 9%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 6%
- Free-cash-flow yieldTop 4%
- EBITDA / enterprise valueBottom 6%
- Sales / enterprise valueTop 24%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 24%
- 6-month returnTop 15%
- 1-year return vs S&P 500Top 28%
- Distance from 52-week highBottom 38%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 33%
- Consecutive EPS beatsTop 34%
- Share of analysts rating BuyBottom 48%
- Upside to consensus price targetBottom 32%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 16%
- Maximum drawdown, 3 yearsBottom 12%
- Beta vs S&P 500 (lower is better)Bottom 36%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -7.1% | -8.2% | ↓ |
| EPS growth (YoY) | -259.7% | -304.3% | ↓ |
| Gross margin | 28.8% | 16.7% | ↓ |
| Operating margin | 4.0% | -14.3% | ↓ |
| FCF margin | -18.7% | 50.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -8.2% | -7.1% | ↓ | Bottom 13% |
| EPS growth (TTM, YoY) | -304.3% | -259.7% | ↓ | Bottom 3% |
| Gross margin | 16.7% | 28.8% | ↓ | Bottom 5% |
| Operating margin | -14.3% | 4.0% | ↓ | Bottom 7% |
| Net margin | -9.8% | 4.4% | ↓ | — |
| Free-cash-flow margin | 50.1% | -18.7% | ↑ | — |
| Return on invested capital | -4.2% | — | Bottom 8% | |
| Revenue growth, 3-year CAGR | 22.9% | — | Top 23% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -3.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -88.9 pp
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.86%
- Net buyback yield (TTM)
- 0.22%
- Shareholder yield
- 1.08%
- Share count change, 1 year
- +0.1%
- Share count change, 3-year CAGR
- -0.5%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- +8.6%
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $29.50
- Target vs current price
- +10.0%
- Analysts with a rating
- 11
- Share rating Buy or Strong Buy
- 45%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 30, 2026 | +80.0% | -1.6% | +9.8% | +2.6% | — |
| Apr 30, 2026 | +262.5% | +1.5% | +11.5% | +7.0% | +17.2% |
| Jan 29, 2026 | +8.5% | +4.8% | +2.6% | -3.4% | +6.1% |
| Oct 22, 2025 | -316.7% | +1.2% | -13.1% | -17.5% | +0.2% |
| Jul 23, 2025 | -93.9% | -1.0% | -17.1% | -15.3% | -19.8% |
| Apr 23, 2025 | -85.3% | +2.3% | -17.1% | -1.8% | +9.4% |
| Jan 22, 2025 | -55.4% | -1.8% | -6.6% | -11.9% | -35.5% |
| Oct 23, 2024 | -4.8% | -0.6% | -4.7% | +10.0% | -2.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 30, 2026 | $0.27 | $0.15 | +80.0% | $41.1M |
| Apr 30, 2026 | $0.29 | $0.08 | +262.5% | $43.1M |
| Jan 29, 2026 | $0.64 | $0.59 | +8.5% | $42.1M |
| Oct 22, 2025 | -$1.43 | $0.66 | -316.7% | $57.9M |
| Jul 23, 2025 | $0.02 | $0.33 | -93.9% | $32.0M |
| Apr 23, 2025 | $0.11 | $0.75 | -85.3% | $34.0M |
| Jan 22, 2025 | $0.41 | $0.92 | -55.4% | $34.8M |
| Oct 23, 2024 | $0.80 | $0.84 | -4.8% | $32.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 11.3× | — | — | — |
| EV / Sales | 1.80× | — | — | Top 24% |
| Free-cash-flow yield | 66.54% | — | — | Top 4% |
| Earnings yield | -13.42% | — | — | Bottom 6% |
P/E over the past five years
Range 4.4× – 27.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +23.0%
- Earnings per share growth (TTM)
- -304.3%
- Change in P/E multiple
- -4.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 126
- 50-day average slope (20 days)
- +0.6%
- 200-day average slope (20 days)
- +3.2%
- Distance from 50-day average
- -4.4%
- Distance from 200-day average
- +10.6%
- RSI (14)
- 45.3
- Relative volume
- 0.54×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 39.1%
- Volatility vs own 5-year history
- 27th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.81
- Correlation with S&P 500
- 0.31
- Current drawdown from 1-year high
- -10.4%
- Maximum drawdown, 3 years
- -59.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 13, 2022 | May 11, 2023 | -81.5% | 332 days | Not yet recovered |
| Mar 15, 2021 | Sep 10, 2021 | -27.4% | 125 days | 37 days (Nov 2, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $240.8M
- EPS, diluted (TTM)
- -$3.60
- Revenue (TTM)
- $320.0M
- Dividend yield
- 0.89%
- 52-week range
- $17.05 – $31.09
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $162.1M | $173.7M | $259.9M | $333.4M | $322.9M |
| Gross profit | $113.7M | $108.9M | $78.6M | $111.7M | $44.2M |
| Operating income | $56.6M | $40.1M | $4.9M | $27.5M | -$50.9M |
| Net income | $48.1M | $35.5M | $8.4M | $25.3M | -$35.2M |
| EPS (diluted) | $4.82 | $3.70 | $0.95 | $2.88 | -$4.03 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $85.5M | $92.4M | $85.7M | $84.9M | $57.9M | $89.4M | $87.3M | $85.3M |
| Net income | $7.0M | $7.3M | $943,000 | $193,000 | -$41.6M | $5.3M | $2.5M | $2.4M |
| EPS (diluted) | $0.80 | $0.83 | $0.11 | $0.02 | -$4.76 | $0.60 | $0.29 | $0.27 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $54.8M | $82.7M | $11.7M | $13.0M | $3.4M |
| Capital expenditure | -$29.9M | -$17.5M | -$5.4M | -$2.6M | -$1.2M |
| Free cash flow | $24.9M | $65.2M | $6.3M | $10.4M | $2.2M |
| Dividends paid | -$2.4M | -$2.3M | -$2.2M | -$2.1M | -$2.1M |
| Net share buybacks | -$4.4M | -$27.8M | -$9.3M | -$283,000 | -$521,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $8.7M
- Total assets
- $5.56B
- Total liabilities
- $5.19B
- Total debt
- $345.1M
- Net debt
- $336.4M
- Shareholders’ equity
- $363.5M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 1, 2026 | $0.06 | Oct 15, 2026 |
| Jun 30, 2026 | $0.06 | Jul 15, 2026 |
| Mar 31, 2026 | $0.06 | Apr 15, 2026 |
| Dec 31, 2025 | $0.06 | Jan 15, 2026 |
| Sep 30, 2025 | $0.06 | Oct 15, 2025 |
| Jun 30, 2025 | $0.06 | Jul 15, 2025 |
| Mar 31, 2025 | $0.06 | Apr 15, 2025 |
| Dec 31, 2024 | $0.06 | Jan 15, 2025 |
Short interest
- Shares sold short
- 205,521
- Days to cover
- 3.49
- Change vs previous report
- +0.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 24, 2013
- 3-for-2