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First Internet Bancorp(NASDAQ) INBK

Market Cap$239.39MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2004)+229%
5 Year-6%
1 Year+10%
1 Month+4%
Premium Feature
Moneyball Superscore
56/100
$27.70
+1.06%
+0.29Today
First Internet Bancorp last closing stock price
MetricPriceDate
Last closeUSD 27.412026-08-26
First Internet Bancorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-4.29%USD 28.642026-08-19
1 month+3.59%USD 26.462026-07-27
3 month+13.75%USD 24.102026-05-28
Year to date+32.01%USD 20.762025-12-31
1 year+9.85%USD 24.952025-08-26
3 year+46.35%USD 18.732023-08-25
5 year-6.12%USD 29.202021-08-27
Since inception+228.53%USD 8.342004-12-28

First Internet Bancorp Financials at a Glance

Market Cap

$239.39MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$319.97M

Net Income (TTM)

-$31.43M

EPS (TTM)

-$3.60

P/E Ratio

-7.61

Dividend

$0.24

Beta (Volatility)

1.06 (Average)

Price

$27.70

Volume

34,300.348

Open

$27.39

Previous Close

$27.41

Daily Range

$27.02 - $27.88

52-Week Range

$17.05 - $31.09

Estimated Earnings Date

Oct 28, 2026

INBK News

Person stocks 2

Bank-Fintech Deals Did Not Have a Good Year in 2022

Bram BerkowitzDec 31, 2022
Person stocks 7

First Internet Bancorp Could Be in Trouble With Fed Interest Rates on the Rise

Bram BerkowitzMay 5, 2022
slide 4 - piggy banks - source getty

2 Risks First Internet Bancorp Investors Should Be Aware Of

Jeremy BowmanFeb 2, 2022
Generic Investing Getty

1 Cheap Stock to Buy Before 2021

Bram BerkowitzDec 19, 2020
Generic Bank Getty

Loan Deferrals at Banks Continue to Decline

Bram BerkowitzSep 13, 2020
Mobile Banking displayed on smartphone

First Internet Bancorp Upgraded: What You Need to Know

Rich SmithJun 14, 2018
17_07_27 Woman with cash signs and rising bar graph_GettyImages-179266250

3 Stocks That Feel Like Microsoft in 1986

Reuben Gregg BrewerApr 20, 2018

INBK: Motley Fool Moneyball Superscore

56

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About First Internet Bancorp

First Internet Bancorp lets people and businesses bank entirely online. It helps customers manage money without visiting physical branches. The company serves entrepreneurs and individuals across the United States.

Banking Without the Bricks

  • Commercial Banking: Credit solutions including lines of credit, term loans, and owner-occupied commercial real estate loans.
  • Small Business Lending: Dedicated accounts and Small Business Administration (SBA) 7(a) loans provided to emerging entrepreneurs.
  • Consumer Banking: Digital deposit accounts, residential mortgages, and vehicle financing offered to individuals nationwide.
  • Public Finance: Lending and leasing products designed specifically for government entities and local municipalities.

Shifting Strategy and New Partners

  • Implemented a process change in 2025 to hold Small Business Administration (SBA) loans for longer periods.
  • Sold $851.2 million in single tenant lease financing loans during the second half of 2025.
  • Began running off franchise finance and healthcare finance portfolios to focus on other commercial segments.
  • Expanded partnerships with financial technology companies to diversify revenue sources and acquire new deposits.

A Digital Advantage

First Internet Bancorp delivers all services through digital channels and strategic partnerships instead of traditional branches. It differentiates itself by providing a full suite of services to emerging small businesses and entrepreneurs nationwide.

The Numbers That Matter

  • Net income reached $2.4 million in the second quarter 2026, up 1,126.4% year over year.
  • Net interest income rose 15.9% to $32.4 million during the second quarter 2026.
  • Total assets reached $5.6 billion as of June 30, 2026, a 0.3% decrease from Dec. 31, 2025.
  • Pre-provision net revenue, a non-GAAP measure, was $15.0 million in the second quarter 2026, up 27.7% year over year.

Bottom Line

First Internet Bancorp has evolved from a pioneer in digital banking into a commercial-focused institution leveraging fintech partnerships. Its strategy centers on high-yield commercial lending and digital deposit acquisition to drive long-term value.

AI Generated • Aug 6, 2026

Industry

Banks

Sector

Financials

Employees

354

CEO

David B. Becker

Website

www.firstinternetbancorp.com

Headquarters

Fishers, IN 46038, US

INBK Financials

Key Financial Metrics (TTM)

Gross Margin

16.66%

Operating Margin

-14.27%

Net Income Margin

-9.82%

Return on Equity

-8.75%

Return on Capital

-7.12%

Return on Assets

-0.57%

Earnings Yield

-13.14%

Dividend Yield

0.88%

Payout Ratio

-6.61%

Stock Overview

Market Cap

$239.39MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

8.73M

Volume

34.30K

Avg. Volume

41.87K

Financials (TTM)

Gross Profit

$53.30M

Operating Income

-$45.67M

EBITDA

-$37.73M

Operating Cash Flow

$160.62M

Capital Expenditure

-$714.00K

Free Cash Flow

$160.21M

Cash & ST Invst.

$8.69M

Total Debt

$345.13M

First Internet Bancorp Performance Analysis

First Internet Bancorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 178,802,0007.1%
20232023-12-31USD 265,962,00048.7%
20242024-12-31USD 339,232,00027.5%
20252025-12-31USD 322,869,000-4.8%
First Internet Bancorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-31.8%
Q42025-12-3154.5%
Q12026-03-31-2.3%
Q22026-06-30-2.3%
First Internet Bancorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 3.70-23.2%
20232023-12-31USD 0.95-74.4%
20242024-12-31USD 2.88203.5%
20252025-12-31USD -4.03N/A
First Internet Bancorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-21736.4%
Q42025-12-31112.6%
Q12026-03-31-51.7%
Q22026-06-30-6.9%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$85.32M

+0.5%

Gross Profit

$27.71M

+50.4%

Gross Margin

32.48%

N/A

Market Cap

$239.39MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$676.24K

N/A

Employees

354

N/A

Net Income

$2.37M

+1126.4%

EBITDA

$3.61M

+6978.4%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$8.69M

-99.1%

Total Debt

$345.13M

-6.7%

Accounts Receivable

$29.14M

-97.1%

Inventory

$0.00

N/A

Long Term Debt

$345.13M

-6.7%

Short Term Debt

$0.00

N/A

Return on Assets

-0.57%

N/A

Return on Invested Capital

-6.31%

N/A

Free Cash Flow

$24.26M

+126.7%

Operating Cash Flow

$24.28M

+126.9%

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Questions About INBK

What is the current price of First Internet Bancorp?

First Internet Bancorp is trading at $27.60 per share.

What is the 52-week range for First Internet Bancorp?

Over the past 52 weeks, First Internet Bancorp has traded between $17.05 and $31.09.

How much debt does First Internet Bancorp have?

As of the most recent reporting period, First Internet Bancorp reported total debt of $345.13M.

How much cash does First Internet Bancorp have on hand?

First Internet Bancorp does not have cash on hand data available.

What is First Internet Bancorp’s dividend yield?

First Internet Bancorp currently has a dividend yield of 0.88%.

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