First Internet Bancorp - Fixed-
INBKZ | NASDAQ
$25.43
+$0.18 (+0.71%)
At close: Oct 29, 2026, 3:07 PM ET
$25.44
+$0.01 (+0.04%)
After-hours:
Oct 29, 2026, 4:00 PM ET
Market Data
Market Cap $239.82M
Enterprise Value $-609.27M
Beta 0.84
Average Volume 3.71K
Shares Outstanding (Diluted) 8.77M
Shares Change YoY 0.31%
Institutional Ownership N/A
Exchange NASDAQ
ISIN US3205573096
Price Performance
Price Change 1M 1.3%
Price Change 3M 0.3%
Price Change 6M 1.9%
Price Change YTD 2.8%
Price Change 1Y 3.8%
Price Change 3Y 23.4%
Price Change 5Y -4.6%
1M CAGR (ann.) 0.0%
1Y CAGR (ann.) 12.9%
5Y CAGR (ann.) 6.3%
All-Time CAGR 6.8%
Valuation
PE Ratio 14.87
Forward PE 5.91
PEG Ratio 0.09
Forward PEG -0.07
PS Ratio 0.70
Forward PS 1.10
PB Ratio 0.68
P/FCF Ratio 1.50
P/Adj. FCF Ratio 1.52
P/OCF Ratio 1.38
EV/Sales -1.78
EV/EBIT -68.67
EV/EBITDA -41.82
EV/FCF -3.80
Earnings Yield 6.7%
FCF Yield 66.8%
Adj. FCF Yield 65.9%
Financial Health
Net Cash $849.09M
Total Debt $0
Cash & Short-Term Investments $849.09M
Total Assets $5.89B
Current Ratio 0.00
Quick Ratio 0.00
Debt / Equity Ratio 0.00
Debt / EBITDA 0.00
Debt / FCF 0.00
OCF / Debt N/A
Interest Coverage 0.05
Altman Z-Score 0.32
Piotroski F-Score 8
Margins & Profitability
Gross Profit Margin 24.6%
Operating Profit Margin 2.6%
EBITDA Margin 4.3%
Net Profit Margin 4.4%
FCF Margin 46.8%
Adj. FCF Margin 46.2%
SBC / Revenue 0.6%
SBC Impact (per share) -1.3%
Returns
Return on Assets 0.3%
Return on Equity 4.2%
Return on Invested Capital 0.9%
Return on Capital Employed 0.1%
Return on Tangible Assets 0.3%
Historical Growth (CAGR)
Revenue CAGR 3Y 12.9%
Revenue CAGR 5Y 15.5%
Revenue CAGR 10Y 17.8%
EPS CAGR 3Y 7.7%
EPS CAGR 5Y -18.2%
EPS CAGR 10Y -2.3%
FCF CAGR 3Y 107.8%
FCF CAGR 5Y 31.9%
FCF CAGR 10Y 23.9%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 27, 2027
EPS Estimate (next Q) $1.02
EPS Growth Est (next Q) 59.4%
Revenue Est (next Q) $46M
Revenue Growth Est (next Q) 9.2%
Fair Value Estimates
Graham Number $39.52
Graham Upside 55.4%
Lynch Fair Value $8.55
Lynch Upside -66.4%
Price Target $0.00
Price Target Upside N/A
Cash Flow
Operating Cash Flow $160.62M
Free Cash Flow $160.21M
Adj. Free Cash Flow $158.09M
FCF Per Share $18.36
OCF Per Share $18.40
OCF/S Ratio 47.0%
Income Statement
Revenue $342.11M
Gross Profit $84.23M
Operating Income $8.87M
EBITDA $14.57M
Net Income $14.98M
EPS (Diluted) $1.71
Revenue / Employee $1.18M
Profit / Employee $51.67K
Employees 290
Dividends
Annual Dividend $2.04
Dividend Yield 8.02%
Payout Ratio 119.2%
FCF Payout Ratio 1.3%
Adj. FCF Payout Ratio 1.3%
Dividend Growth (YoY) -7.1%
Pay Frequency Quarterly
Ex-Dividend Date Aug 14, 2026
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