First Internet Bancorp
General ticker "INBK" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $239.6M (TTM average)
First Internet Bancorp follows the US Stock Market performance with the rate: 4.2%.
Estimated limits based on current volatility of 2.0%: low 19.58$, high 20.39$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-09-30, amount 0.06$ (Y1.19%)
- Total employees count: 326 (+12.4%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: IT system failures, Cybersecurity threats, Regulatory and compliance, Pandemic risks, Labor/talent shortage/retention
- Price in estimated range
- Earnings for 9 months up through Q3 are below our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [20.09$, 38.07$]
- 2025-12-31 to 2026-12-31 estimated range: [14.05$, 28.33$]
Financial Metrics affecting the INBK estimates:
- Positive: with PPE of 12.7 at the end of fiscal year the price was low
- Positive: 7.86 < Operating profit margin, % of 8.26
- Negative: Operating cash flow per share per price, % of 4.05 <= 6.82
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Negative: Shareholder equity ratio, % of 6.69 <= 18.93
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: -0.75 < Inventory ratio change, % of 0
Short-term INBK quotes
Long-term INBK plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $173.73MM | $259.85MM | $333.42MM |
| Operating Expenses | $133.63MM | $254.91MM | $305.88MM |
| Operating Income | $40.10MM | $4.94MM | $27.54MM |
| Interest Expense | $59.81MM | $164.54MM | $204.51MM |
| Income(Loss) | $40.10MM | $4.94MM | $27.54MM |
| Taxes | $4.56MM | $-3.48MM | $2.27MM |
| Profit(Loss)* | $35.54MM | $8.42MM | $25.28MM |
| Stockholders Equity | $364.97MM | $362.80MM | $384.06MM |
| Assets | $4,543.10MM | $5,167.57MM | $5,737.86MM |
| Operating Cash Flow | $82.72MM | $11.68MM | $12.99MM |
| Capital expenditure | $17.52MM | $5.37MM | $2.59MM |
| Investing Cash Flow | $-601.03MM | $-474.50MM | $-496.17MM |
| Financing Cash Flow | $331.90MM | $612.17MM | $543.69MM |
| Earnings Per Share** | $3.73 | $0.95 | $2.91 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.