First Internet Valuation
| INBK Stock | USD 20.40 0.13 0.64% |
At this time, the firm appears to be undervalued. First Internet Bancorp shows a prevailing Real Value of $22.83 per share. The current price of the firm is $20.4. Our model computes the value of First Internet Bancorp from reviewing the firm fundamentals such as Current Valuation of 74.27 M, shares outstanding of 8.69 M, and Profit Margin of (0.80) % as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Internet's valuation include:
Price Book 0.509 | Enterprise Value | Price Sales 3.9964 | Forward PE 8.4459 | Enterprise Value Revenue 4.9025 |
Undervalued
Today
Please note that First Internet's price fluctuation is not too volatile at this time. Calculation of the real value of First Internet Bancorp is based on 3 months time horizon. Increasing First Internet's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
First Internet's intrinsic value may or may not be the same as its current market price of 20.40, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 20.4 | Real 22.83 | Target 25.7 | Hype 20.53 | Naive 19.6 |
The intrinsic value of First Internet's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence First Internet's stock price.
Estimating the potential upside or downside of First Internet Bancorp helps investors to forecast how First stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of First Internet more accurately as focusing exclusively on First Internet's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use First Internet's intrinsic value based on its ongoing forecasts of First Internet's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against First Internet's closest peers.
First Internet Cash |
|
First Revenue by Product
First Internet Total Value Analysis
First Internet Bancorp is currently forecasted to have valuation of 74.27 M with market capitalization of 176.47 M, debt of 354.96 M, and cash on hands of 221.05 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the First Internet fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
74.27 M | 176.47 M | 354.96 M | 221.05 M |
First Internet Investor Information
About 75.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.51. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Internet Bancorp recorded a loss per share of 4.03. The entity last dividend was issued on the 31st of December 2025. The firm had 15:10 split on the 24th of June 2013. Based on the key indicators related to First Internet's liquidity, profitability, solvency, and operating efficiency, First Internet Bancorp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March.First Internet Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The latest return on assets of First suggests not a very effective usage of assets in February.First Internet Profitability Analysis
Based on First Internet's profitability indicators, First Internet Bancorp may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess First Internet's ability to earn profits and add value for shareholders.Net Loss | First Reported 2005-06-30 | Previous Quarter -41.6 M | Current Value 5.3 M | Quarterly Volatility 6.3 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.13 | 0.1368 |
|
|
For First Internet profitability analysis, we use financial ratios and fundamental drivers that measure the ability of First Internet Bancorp to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well First Internet utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between First Internet's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of First Internet over time as well as its relative position and ranking within its peers.
First Internet Earnings per Share Projection vs Actual
The next projected EPS of First Internet is estimated to be -0.02 with future projections ranging from a low of -0.37 to a high of 0.16. First Internet's most recent 12-month trailing earnings per share (EPS TTM) is at -4.03. Please be aware that the consensus of earnings estimates for First Internet Bancorp is based on EPS before non-recurring items and includes expenses related to employee stock options.First Internet Earnings Estimation Breakdown
The calculation of First Internet's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of First Internet is estimated to be -0.02 with the future projection ranging from a low of -0.37 to a high of 0.16. Please be aware that this consensus of annual earnings estimates for First Internet Bancorp is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
-0.37 Lowest | Expected EPS | 0.16 Highest |
First Internet Earnings Projection Consensus
Suppose the current estimates of First Internet's value are higher than the current market price of the First Internet stock. In this case, investors may conclude that First Internet is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and First Internet's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 4 | 73.03% | 0.64 | -0.02 | -4.03 |
First Internet Ownership Allocation
The market capitalization of First Internet Bancorp is $176.47 Million. The majority of First Internet Bancorp outstanding shares are owned by other corporate entities. These outside corporations are usually referred to as non-private investors looking to obtain positions in First Internet Bancorp to benefit from reduced commissions. Consequently, institutional investors are subject to a different set of regulations than regular investors in First Internet. Please pay attention to any change in the institutional holdings of First Internet Bancorp as this could imply that something significant has changed or is about to change at the company. Note, that even with negative profits, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company.First Internet Profitability Analysis
The company reported the previous year's revenue of 322.87 M. Net Loss for the year was (35.17 M) with profit before overhead, payroll, taxes, and interest of 44.16 M.First Internet Past Distributions to stockholders
About First Internet Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of First Internet Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of First Internet Bancorp based exclusively on its fundamental and basic technical indicators. By analyzing First Internet's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of First Internet's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of First Internet. We calculate exposure to First Internet's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of First Internet's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 44.2 M | 51.7 M | |
| Pretax Profit Margin | (0.16) | (0.15) | |
| Operating Profit Margin | (0.16) | (0.15) | |
| Net Loss | (0.11) | (0.10) | |
| Gross Profit Margin | 0.14 | 0.13 |
First Internet Quarterly Retained Earnings |
|
A single share of First Internet represents a small ownership stake in the entity. As a stockholder of First, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
First Internet Dividends Analysis For Valuation
Dividend Paid And Capex Coverage Ratio is expected to rise to 2.63 this year, although the value of Dividends Paid is projected to rise to (1.8 M). . At this time, First Internet's Retained Earnings are quite stable compared to the past year. Retained Earnings Total Equity is expected to rise to about 248.4 M this year, although the value of Earning Assets will most likely fall to about 697.9 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -1.9 M | -1.8 M | |
| Dividend Yield | 0.01 | 0.01 | |
| Dividend Payout Ratio | (0.06) | (0.06) | |
| Dividend Paid And Capex Coverage Ratio | 2.50 | 2.63 |
There are various types of dividends First Internet can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of First shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from First Internet Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When First pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of First Internet by the value of the dividends paid out.
First Internet Growth Indicators
Investing in growth stocks can be very risky. If the company such as First Internet does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 8.7 M | |
| Quarterly Earnings Growth Y O Y | -0.277 | |
| Forward Price Earnings | 8.4459 |
First Internet Current Valuation Indicators
First Internet's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final First Internet's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as First Internet, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use First Internet's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes First Internet's worth.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: 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 Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.
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. Market participants price First higher when confident in its future expansion prospects. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive First Internet assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.28) | Dividend Share 0.24 | Earnings Share (4.03) | Revenue Per Share | Quarterly Revenue Growth (0.08) |
First Internet Bancorp's market price often diverges from its book value, the accounting figure shown on First's balance sheet. Smart investors calculate First Internet's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since First Internet's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental 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.