First Long Term Debt vs Retained Earnings Analysis

INBK Stock

USD 41.92 1.17 2.87%

First Internet financial indicator trend analysis is much more than just examining First Internet Bancorp latest accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether First Internet Bancorp is a good investment. Please check the relationship between First Internet Long Term Debt and its Retained Earnings accounts. Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in First Internet Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

Long Term Debt vs Retained Earnings

Long Term Debt vs Retained Earnings Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of First Internet Bancorp Long Term Debt account and Retained Earnings. At this time, the significance of the direction appears to have almost identical trend.

The correlation between First Internet's Long Term Debt and Retained Earnings is 0.94. Overlapping area represents the amount of variation of Long Term Debt that can explain the historical movement of Retained Earnings in the same time period over historical financial statements of First Internet Bancorp, assuming nothing else is changed. The correlation between historical values of First Internet's Long Term Debt and Retained Earnings is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Long Term Debt of First Internet Bancorp are associated (or correlated) with its Retained Earnings. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Retained Earnings has no effect on the direction of Long Term Debt i.e., First Internet's Long Term Debt and Retained Earnings go up and down completely randomly.

Correlation Coefficient

0.94

Relationship Direction	Positive
Relationship Strength	Very Strong

View All Relationships

Long Term Debt

Long-term debt is a debt that First Internet Bancorp has held for over one year. Long-term debt appears on First Internet Bancorp balance sheet and also includes long-term leases. The most common forms of long term debt are bonds payable, long-term notes payable, mortgage payable, pension liabilities, and lease liabilities. In the corporate world, long-term debt is generally used to fund big-ticket items, such as machinery, buildings, and land. The total of long-term debt reported on First Internet Bancorp balance sheet is the sum of the balances of all categories of long-term debt. Debt that is not due within the current year and is often considered to be financing activities that are to be repaid over several years.

Retained Earnings

The cumulative amount of net income that a company retains for reinvestment in its operations, rather than distributing it to shareholders as dividends.

Most indicators from First Internet's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into First Internet Bancorp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in First Internet Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

At this time, First Internet's Selling General Administrative is quite stable compared to the past year. Sales General And Administrative To Revenue is expected to rise to 0.61 this year, although the value of Tax Provision is projected to rise to (2.3 M).

	2021	2022	2023	2024 (projected)
Interest Expense	47.3M	59.8M	164.5M	172.8M
Depreciation And Amortization	8.8M	8.7M	5.7M	3.6M

Interest Expense Depreciation And Amortization

First Internet fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Current Liabilities	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Common Stock Total Equity	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Other Current Liab	Good Will	Other Liab	Long Term Debt	Short Term Investments
Total Assets		0.99	0.57	0.99	0.69	0.94	0.89	0.92	0.79	-0.76	0.61	0.94	0.77	0.87	0.86	0.65	-0.49	1.0	0.54	0.43	0.85	0.58	-0.55	0.99	0.83	0.82
Short Long Term Debt Total	0.99		0.51	0.99	0.76	0.93	0.86	0.88	0.74	-0.73	0.67	0.92	0.76	0.88	0.89	0.59	-0.48	0.99	0.57	0.41	0.87	0.51	-0.49	0.98	0.8	0.82
Total Current Liabilities	0.57	0.51		0.47	0.14	0.65	0.68	0.54	0.59	-0.46	0.15	0.44	0.39	0.21	0.13	0.99	0.1	0.58	-0.02	0.5	0.13	1.0	-0.95	0.52	0.62	0.18
Total Stockholder Equity	0.99	0.99	0.47		0.69	0.94	0.84	0.92	0.76	-0.74	0.63	0.96	0.75	0.9	0.9	0.56	-0.53	0.99	0.58	0.39	0.89	0.48	-0.45	0.98	0.83	0.85
Net Debt	0.69	0.76	0.14	0.69		0.58	0.48	0.38	0.36	-0.36	0.94	0.56	0.51	0.76	0.77	0.2	-0.46	0.68	0.6	0.28	0.76	0.14	-0.07	0.67	0.39	0.68
Retained Earnings	0.94	0.93	0.65	0.94	0.58		0.88	0.89	0.65	-0.76	0.52	0.86	0.56	0.73	0.73	0.69	-0.48	0.94	0.28	0.49	0.69	0.65	-0.62	0.91	0.94	0.66
Accounts Payable	0.89	0.86	0.68	0.84	0.48	0.88		0.85	0.65	-0.78	0.36	0.79	0.58	0.65	0.67	0.72	-0.32	0.89	0.23	0.45	0.61	0.68	-0.64	0.86	0.76	0.57
Cash	0.92	0.88	0.54	0.92	0.38	0.89	0.85		0.79	-0.81	0.3	0.94	0.72	0.78	0.79	0.62	-0.4	0.92	0.43	0.41	0.76	0.54	-0.51	0.92	0.86	0.73
Non Current Assets Total	0.79	0.74	0.59	0.76	0.36	0.65	0.65	0.79		-0.61	0.32	0.87	0.94	0.72	0.64	0.7	-0.19	0.79	0.68	0.26	0.7	0.6	-0.57	0.79	0.54	0.81
Non Currrent Assets Other	-0.76	-0.73	-0.46	-0.74	-0.36	-0.76	-0.78	-0.81	-0.61		-0.21	-0.75	-0.51	-0.58	-0.62	-0.51	0.27	-0.76	-0.17	-0.11	-0.56	-0.47	0.43	-0.75	-0.76	-0.58
Other Assets	0.61	0.67	0.15	0.63	0.94	0.52	0.36	0.3	0.32	-0.21		0.49	0.43	0.72	0.68	0.2	-0.46	0.61	0.6	0.32	0.71	0.15	-0.07	0.62	0.34	0.63
Cash And Short Term Investments	0.94	0.92	0.44	0.96	0.56	0.86	0.79	0.94	0.87	-0.75	0.49		0.85	0.91	0.88	0.54	-0.53	0.94	0.65	0.34	0.9	0.44	-0.42	0.95	0.75	0.91
Net Receivables	0.77	0.76	0.39	0.75	0.51	0.56	0.58	0.72	0.94	-0.51	0.43	0.85		0.81	0.75	0.52	-0.24	0.77	0.85	0.22	0.8	0.4	-0.38	0.8	0.41	0.86
Common Stock Total Equity	0.87	0.88	0.21	0.9	0.76	0.73	0.65	0.78	0.72	-0.58	0.72	0.91	0.81		0.97	0.32	-0.6	0.87	0.8	0.37	0.99	0.22	-0.14	0.9	0.57	0.94
Common Stock Shares Outstanding	0.86	0.89	0.13	0.9	0.77	0.73	0.67	0.79	0.64	-0.62	0.68	0.88	0.75	0.97		0.24	-0.56	0.86	0.74	0.31	0.97	0.14	-0.07	0.89	0.59	0.89
Non Current Liabilities Total	0.65	0.59	0.99	0.56	0.2	0.69	0.72	0.62	0.7	-0.51	0.2	0.54	0.52	0.32	0.24		0.06	0.66	0.11	0.5	0.25	0.99	-0.94	0.61	0.65	0.29
Other Stockholder Equity	-0.49	-0.48	0.1	-0.53	-0.46	-0.48	-0.32	-0.4	-0.19	0.27	-0.46	-0.53	-0.24	-0.6	-0.56	0.06		-0.48	-0.28	-0.34	-0.62	0.09	-0.09	-0.48	-0.39	-0.59
Total Liab	1.0	0.99	0.58	0.99	0.68	0.94	0.89	0.92	0.79	-0.76	0.61	0.94	0.77	0.87	0.86	0.66	-0.48		0.54	0.43	0.85	0.58	-0.55	0.99	0.83	0.81
Total Current Assets	0.54	0.57	-0.02	0.58	0.6	0.28	0.23	0.43	0.68	-0.17	0.6	0.65	0.85	0.8	0.74	0.11	-0.28	0.54		0.11	0.82	-0.01	0.04	0.6	0.09	0.81
Short Term Debt	0.43	0.41	0.5	0.39	0.28	0.49	0.45	0.41	0.26	-0.11	0.32	0.34	0.22	0.37	0.31	0.5	-0.34	0.43	0.11		0.3	0.5	-0.35	0.41	0.42	0.21
Common Stock	0.85	0.87	0.13	0.89	0.76	0.69	0.61	0.76	0.7	-0.56	0.71	0.9	0.8	0.99	0.97	0.25	-0.62	0.85	0.82	0.3		0.14	-0.09	0.88	0.53	0.94
Other Current Liab	0.58	0.51	1.0	0.48	0.14	0.65	0.68	0.54	0.6	-0.47	0.15	0.44	0.4	0.22	0.14	0.99	0.09	0.58	-0.01	0.5	0.14		-0.95	0.53	0.63	0.19
Good Will	-0.55	-0.49	-0.95	-0.45	-0.07	-0.62	-0.64	-0.51	-0.57	0.43	-0.07	-0.42	-0.38	-0.14	-0.07	-0.94	-0.09	-0.55	0.04	-0.35	-0.09	-0.95		-0.5	-0.59	-0.14
Other Liab	0.99	0.98	0.52	0.98	0.67	0.91	0.86	0.92	0.79	-0.75	0.62	0.95	0.8	0.9	0.89	0.61	-0.48	0.99	0.6	0.41	0.88	0.53	-0.5		0.78	0.84
Long Term Debt	0.83	0.8	0.62	0.83	0.39	0.94	0.76	0.86	0.54	-0.76	0.34	0.75	0.41	0.57	0.59	0.65	-0.39	0.83	0.09	0.42	0.53	0.63	-0.59	0.78		0.5
Short Term Investments	0.82	0.82	0.18	0.85	0.68	0.66	0.57	0.73	0.81	-0.58	0.63	0.91	0.86	0.94	0.89	0.29	-0.59	0.81	0.81	0.21	0.94	0.19	-0.14	0.84	0.5

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First Internet Account Relationship Matchups

First Internet fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	4.1B	4.2B	4.2B	4.5B	5.2B	5.4B
Short Long Term Debt Total	584.4M	594.5M	619.2M	719.5M	719.8M	755.8M
Total Current Liabilities	3.8M	1.4M	2.0M	2.9M	3.4B	3.5B
Total Stockholder Equity	304.9M	330.9M	380.3M	365.0M	362.8M	380.9M
Net Debt	257.1M	174.7M	176.2M	462.9M	313.9M	167.0M
Retained Earnings	99.7M	126.7M	172.4M	205.7M	207.5M	217.8M
Accounts Payable	3.8M	1.4M	2.0M	2.9M	3.8M	4.0M
Cash	327.4M	419.8M	443.0M	256.6M	405.9M	426.2M
Non Current Assets Total	622.0M	608.1M	727.1M	77.4M	780.2M	819.2M
Non Currrent Assets Other	(622.0M)	(608.1M)	(727.1M)	(579.6M)	(780.2M)	(741.2M)
Other Assets	1.5B	1.7B	1.5B	4.0B	3.1B	1.6B
Cash And Short Term Investments	868.2M	917.4M	1.0B	646.9M	880.8M	924.8M
Net Receivables	1.1B	1.0B	928.7M	21.1M	955.2M	1.0B
Common Stock Total Equity	219.4M	221.4M	218.9M	192.9M	221.9M	134.6M
Common Stock Shares Outstanding	10.0M	9.8M	10.0M	9.6M	8.9M	6.1M
Liabilities And Stockholders Equity	4.1B	4.2B	4.2B	4.5B	5.2B	5.4B
Non Current Liabilities Total	584.4M	594.5M	619.2M	2.9M	4.8B	5.0B
Other Stockholder Equity	(14.2M)	(17.2M)	(11.0M)	(33.6M)	(1.0)	(1.05)
Total Liab	3.8B	3.9B	3.8B	4.2B	4.8B	5.0B
Total Current Assets	1.9B	1.9B	2.0B	428.9M	1.3B	1.0B
Accumulated Other Comprehensive Income	(14.2M)	(17.2M)	(11.0M)	(33.6M)	(29.4M)	(27.9M)
Short Term Debt	110.9M	110.4M	110M	145M	255.0M	128.7M
Common Stock	219.4M	221.4M	218.9M	192.9M	184.7M	133.3M
Other Current Liab	(3.8M)	48.4M	30.5M	14.5M	3.4B	3.5B
Long Term Debt	69.5M	594.5M	619.2M	719.5M	719.8M	755.8M
Short Term Investments	540.9M	497.6M	603.0M	390.4M	474.9M	376.1M
Inventory	(348.0M)	(437.2M)	(460.2M)	42K	(18.5M)	(19.4M)
Intangible Assets	2.5M	3.6M	4.7M	6.3M	10.6M	5.5M
Property Plant Equipment	14.6M	37.6M	59.8M	72.7M	83.6M	87.8M
Property Plant And Equipment Net	14.6M	37.6M	59.8M	72.7M	73.5M	77.1M
Net Tangible Assets	300.2M	326.3M	375.7M	360.3M	414.3M	252.2M
Retained Earnings Total Equity	99.7M	126.7M	172.4M	205.7M	236.5M	248.4M
Long Term Debt Total	69.5M	79.6M	104.2M	104.5M	120.2M	126.2M
Other Current Assets	348.0M	437.2M	460.2M	(1.2B)	433.0M	321.0M
Long Term Investments	3.6B	565.9M	662.6M	579.6M	702.0M	1.4B
Property Plant And Equipment Gross	14.6M	37.6M	66.6M	83.6M	88.3M	92.7M
Non Current Liabilities Other	514.9M	514.9M	514.9M	614.9M	707.2M	397.6M

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When determining whether First Internet Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of First Internet's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of First Internet Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on First Internet Bancorp Stock:

How To Invest In First

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Is First Stock a good investment?

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What is First Internet's Net Worth?

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Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in First Internet Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.

You can also try the Transaction History module to view history of all your transactions and understand their impact on performance.

Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of First Internet. If investors know First will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about First Internet listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

1.052

Dividend Share

0.24

Earnings Share

2.52

Revenue Per Share

12.546

Quarterly Revenue Growth

0.331

The market value of First Internet Bancorp is measured differently than its book value, which is the value of First that is recorded on the company's balance sheet. Investors also form their own opinion of First Internet's value that differs from its market value or its book value, called intrinsic value, which is First Internet's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because First Internet's market value can be influenced by many factors that don't directly affect First Internet's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between First Internet's value and its price as these two are different measures arrived at by different means. Investors typically determine if First Internet is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, First Internet's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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First Long Term Debt vs Retained Earnings Analysis

Long Term Debt vs Retained Earnings

Long Term Debt vs Retained Earnings Correlation Analysis

Correlation Coefficient

Long Term Debt

Retained Earnings

First Internet fundamental ratios Correlations

First Internet Account Relationship Matchups

High Positive Relationship

High Negative Relationship

First Internet fundamental ratios Accounts

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

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MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Other Current Liab	+ 1.0	Total Current Liabilities
Short Long Term Debt Total	+ 0.99	Total Assets
Total Stockholder Equity	+ 0.99	Total Assets
Other Liab	+ 0.99	Total Assets
Total Stockholder Equity	+ 0.99	Short Long Term Debt Total

Good Will	- 0.95	Other Current Liab
Good Will	- 0.95	Total Current Liabilities
Good Will	- 0.94	Non Current Liabilities Total
Non Currrent Assets Other	- 0.81	Cash
Non Currrent Assets Other	- 0.78	Accounts Payable
Long Term Debt	- 0.76	Non Currrent Assets Other