First Internet Valuation
| INBK Stock | USD 40.75 1.25 3.16% |
At this time, the firm appears to be overvalued. First Internet Bancorp shows a prevailing Real Value of $31.15 per share. The current price of the firm is $40.75. Our model computes the value of First Internet Bancorp from reviewing the firm fundamentals such as Profit Margin of 0.20 %, current valuation of 247.89 M, and Shares Outstanding of 8.67 M as well as analyzing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting First Internet's valuation include:
Price Book 0.889 | Enterprise Value 247.9 M | Price Sales 3.2157 | Forward PE 8.8968 | Trailing PE 16.0569 |
Overvalued
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 40.75, 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 40.75 | Real 31.15 | Target 23.7 | Hype 40.69 | Naive 40.98 |
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 |
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First Valuation Trend
Knowing First Internet's actual value is paramount for traders when making sound investment determinations. Using both First Internet's enterprise value as well as its market capitalization is the best way to estimate the value of the company and is usually enough for investors to make market timing decisions.
First Revenue by Product
First Internet Total Value Analysis
First Internet Bancorp is currently forecasted to have valuation of 247.89 M with market capitalization of 350.44 M, debt of 719.77 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 |
247.89 M | 350.44 M | 719.77 M | 221.05 M |
First Internet Investor Information
About 76.0% of the company shares are owned by institutional investors. The company has price-to-book (P/B) ratio of 0.89. Some equities with similar Price to Book (P/B) outperform the market in the long run. First Internet Bancorp last dividend was issued on the 30th of September 2024. The entity 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 may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.12 | 0.1267 |
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| Operating Income | 8.4 M | 8.8 M |
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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 November.First Internet Ownership Allocation
The market capitalization of First Internet Bancorp is $350.44 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 substantial debt, 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 at some point.First Internet Profitability Analysis
The company reported the previous year's revenue of 84.38 M. Net Income was 8.42 M with profit before overhead, payroll, taxes, and interest of 113.37 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 | 84.4 M | 51 M | |
| Pretax Profit Margin | 0.06 | 0.06 | |
| Operating Profit Margin | 0.13 | 0.12 | |
| Net Profit Margin | 0.10 | 0.18 |
First Internet Quarterly Retained Earnings |
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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 Yield is expected to rise to 0.01 this year, although the value of Dividends Paid will most likely fall to about 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 | 2.2 M | 1.8 M | |
| Dividend Yield | 0.01 | 0.01 | |
| Dividend Payout Ratio | 0.26 | 0.13 | |
| Dividend Paid And Capex Coverage Ratio | (0.38) | (0.40) |
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 | 8.9 M | |
| Quarterly Earnings Growth Y O Y | 1.052 | |
| Forward Price Earnings | 8.8968 |
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 Top Crypto Exchanges module to search and analyze digital assets across top global cryptocurrency exchanges.
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 2.46 | 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.