First Internet Bancorp - Fixed- (INBKZ) Stock

First Internet Bancorp - Fixed- (INBKZ) is a Financials stock trading at $25.24 (as of 2026-08-17), with a market capitalization of $220.44M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

First Internet Bancorp engages in the provision of online commercial and retail banking products and services. It offers first-lien residential mortgage loans, consumer loans and credit cards & CRE loans in Indiana and other parts of the midwest in the form of office, retail, industrial, and multifamily loans, with credit tenant lease financing. The company was founded on September 15, 2005 and is headquartered in Indianapolis, IN.

Understand First Internet Bancorp - Fixed-: how it makes money

First Internet Bancorp provides online commercial and retail banking products, funding first-lien residential mortgage loans, consumer loans and credit cards, and CRE lending through office, retail, industrial, and multifamily loans and credit tenant lease financing.

Bank earnings are shaped by how much lending the company runs relative to its deposits (Loans to Deposits Ratio) and by credit losses captured in Net Charge-Offs to Average Loans and Delinquencies 30 Days or More Past Due.

Business quality (Weak): Profitability appears modest in the latest quarter (Operating margin 2.4%), with operating performance tracked using returns on assets and tangible equity plus credit quality metrics.

Bull case

  • Return profile is positive: Return on Average Assets is 1.25% and Return on Average Tangible Common Equity is 15.09% for the latest quarter.
  • Credit quality signals are monitored: Nonperforming Loans Dollar Amount is 0.01B and Delinquencies 30 Days or More Past Due are 0.04% (latest quarter).

Bear case

  • Earnings margin is thin: Operating margin is 2.4% in the latest quarter, leaving less room for earnings to absorb shocks.
  • Credit losses can still matter: Net Charge-Offs to Average Loans are 0.15% (latest quarter), indicating that losses occur even as credit metrics are being tracked.
  • Limited segment visibility in the provided data: Mortgage Banking Revenue is shown as 0.0B in the segment candidates provided, which makes it harder to assess mix drivers from this dataset.
Valuation — source: SEC EDGAR (first-party)
Price$25.24
Market Cap$220.44M
Price / Book0.61
Price / Sales0.70
FCF Yield72.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$320.16M
Net Margin-11.0%
Revenue Growth (YoY)-5.3%
EPS Growth (YoY)1250.0%
FCF Growth (YoY)-126.7%
Valuation vs Sector & Industry
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
Company
SectorFinancials
IndustryBanking
CEONone
Employees290
CountryUS
IPO Date2019-06-17

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • First Internet Bancorp (INBK)
  • Peoples Bancorp of North Carolina, Inc. (PEBK)
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  • Eagle Financial Services, Inc. (EFSI)
  • Ohio Valley Banc Corp. (OVBC)
  • FinWise Bancorp (FINW)
  • Hanover Bancorp, Inc. (HNVR)
  • CB Financial Services, Inc. (CBFV)
INBKZ earnings history · INBKZ institutional & insider holders · INBKZ KPIs & operating metrics · INBKZ financials · INBKZ investor presentations & press releases · INBKZ SEC filings · INBKZ peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-17.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.