Stock INBK FIRST INTERNET BANCORP
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Financials First Internet Bancorp

Equities

INBK

US3205571017

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
31.05 USD +1.11% Intraday chart for First Internet Bancorp -3.51% +28.36%
Apr. 25 Transcript : First Internet Bancorp, Q1 2024 Earnings Call, Apr 25, 2024
Apr. 24 Earnings Flash (INBK) FIRST INTERNET BANCORP Reports Q1 Revenue $29.1M, vs. Street Est of $22.2M MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 231 281.7 463.5 224.4 209.1 268.9 -
Enterprise Value (EV) 1 231 281.7 463.5 224.4 209.1 268.9 268.9
P/E ratio 9.45 x 9.61 x 9.76 x 6.56 x 25.5 x 10.5 x 7.89 x
Yield 1.01% 0.84% 0.51% 0.99% 0.99% 0.77% 0.77%
Capitalization / Revenue 3.67 x 4 x 4.99 x 2.26 x 2.61 x 2.82 x 2.42 x
EV / Revenue 3.67 x 4 x 4.99 x 2.26 x 2.61 x 2.82 x 2.42 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 0.76 x 0.85 x 1.21 x 0.6 x 0.58 x 0.7 x 0.63 x
Nbr of stocks (in thousands) 9,742 9,801 9,854 9,240 8,644 8,661 -
Reference price 2 23.71 28.74 47.04 24.28 24.19 31.05 31.05
Announcement Date 1/22/20 1/20/21 1/19/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 62.97 70.34 92.82 99.44 80.14 95.42 111.1
EBITDA - - - - - - -
EBIT 1 39.46 49.02 56.53 47.17 31.49 43.83 56.47
Operating Margin 62.66% 69.69% 60.9% 47.44% 39.3% 45.93% 50.83%
Earnings before Tax (EBT) 1 27.16 33.9 56.57 40.1 4.94 31.46 43.43
Net income 1 25.24 29.45 48.11 35.54 8.417 25.76 34.48
Net margin 40.08% 41.87% 51.84% 35.74% 10.5% 27% 31.03%
EPS 2 2.510 2.990 4.820 3.700 0.9500 2.955 3.935
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.2400 0.2400 0.2400 0.2400 0.2400 0.2400 0.2400
Announcement Date 1/22/20 1/20/21 1/19/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 23.08 24.85 27.06 27.06 25.27 23.05 20.96 19.49 18.64 21.04 21.92 22.75 24.9 25.9 26.15
EBITDA - - - - - - - - - - - - - - -
EBIT 1 15.09 14.88 14.84 12.93 10.44 8.963 11.76 5.346 5.029 7.152 8.058 9.9 11.55 12.3 12.7
Operating Margin 65.37% 59.88% 54.81% 47.8% 41.31% 38.88% 56.1% 27.43% 26.98% 33.98% 36.75% 43.52% 46.39% 47.49% 48.57%
Earnings before Tax (EBT) 1 14.31 14.48 13 10.82 9.423 6.854 -3.138 3.648 3.083 3.558 5.61 7.474 8.723 9.257 10.4
Net income 1 12.09 12.48 11.21 9.545 8.436 6.351 -1.305 3.882 3.409 4.143 5.181 6.117 7.151 7.626 7.6
Net margin 52.37% 50.21% 41.42% 35.28% 33.38% 27.55% -6.23% 19.92% 18.29% 19.69% 23.63% 26.89% 28.72% 29.44% 29.06%
EPS 2 1.210 1.250 1.140 0.9900 0.8900 0.6800 -0.1400 0.4400 0.3900 0.4800 0.5900 0.7040 0.8200 0.8800 0.9400
Dividend per Share 2 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600 0.0600
Announcement Date 10/20/21 1/19/22 4/20/22 7/20/22 10/19/22 1/25/23 4/26/23 7/26/23 10/25/23 1/24/24 4/24/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 8.52% 9.39% 13.4% 9.53% 2.35% 6.91% 8.53%
ROA (Net income/ Total Assets) 0.65% 0.69% 1.14% 0.85% 0.17% 0.49% 0.63%
Assets 1 3,883 4,269 4,221 4,181 4,951 5,285 5,472
Book Value Per Share 2 31.30 33.80 39.00 40.30 42.00 44.60 48.90
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/22/20 1/20/21 1/19/22 1/25/23 1/24/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for First Internet Bancorp

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
31.05 USD
Average target price
36.4 USD
Spread / Average Target
+17.23%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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