INBK · First Internet Bancorp
$28.59
-0.05 (-0.17%)
At close · Aug 20
Market Cap
$250.13M
Shares
8.73M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$28.59
Open$28.48
Day$28.23–28.77
52W close$17.26–29.94
Avg vol 30d43K
Short int205K · 2.4% float · 3.7d
Short vol37%
Last earningsJul 30, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 5
Up next
Next earnings call
Oct 29, 2026
Est · unconfirmed
· in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 5, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+25%
above
Price vs 50-day avg
+4%
above
RSI (14)
53
neutral
MACD trend
Negative
52-week position
89%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+10%
trailing
6-month return
+41%
trailing
YTD return
+37%
this year
Relative strength
+30%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $27 › 200d $23 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +13 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.35% of float · ▲ +1.2% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
119 holders — mid 3-yr range
Squeeze score
49
elevated · 0–100
Fundamentals
Revenue growth
+102%
Y/Y
EPS growth
−240%
Y/Y
Free cash flow
$2.2M
Buyback
$24.5M
remaining
Balance sheet
$207.3M
net cash
Quant / Vol
risk profile
Volatility
41%
annualized · 1-yr
Max drawdown
−32%
past year
ATR
3.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 30, 2026
Full Year 2026
Diluted earnings per share
Initiated
$2.35 – $2.45
prior FY $-4.03
midpoint +159.6% Y/Y
Noninterest income
Initiated
$40.5M – $41M
fourth quarter of 2026
FTE net interest margin
Non-GAAP
2.75% – 2.8%
Prior guidance
period ended
· from the Earnings Call filed Mar 31, 2025
Loan originations
· 2025
$600M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+25%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
53
Neutral
MACD trend
Negative
Bearish
52-week position
89%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $27 › 200d $23 — 50d above 200d
Institutional flow
Accumulating
+2% holders QoQ · +13 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.35% of float · ▲ +1.2% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
119 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $17
Now $29 · 89%
Range high $30
vs 200-day avg +25%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to NPLs | 88% | Q2 2026 | — |
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| ACL to NPLs excluding fully-guaranteed balances non-GAAP | 130% | Q2 2026 | — |
| ACL to total loans | 1.39% | Q2 2026 | — |
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| Adjusted TCE / TA (ex-AOCI, adjusted for normalized cash) non-GAAP | 6.98% | 2Q26 | — |
| Adjusted Total Revenue non-GAAP | $41.1M | 2Q26 | — |
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| Common equity tier 1 capital ratio | 8.9% | Q2 2026 | — |
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| Cost of IBDs | 3.42% | 2Q26 | — |
| Cost of interest-bearing deposits | 3.38% | Q2 2026 | — |
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| Delinquencies 30 days or more past due | 0.78% | Q2 2026 | — |
| Fintech Payments Volume TTM | $314B | TTM ended June 30, 2026 | — |
| FTE net interest margin non-GAAP | 2.47% | Q2 2026 | — |
| Loan Yield (year-to-date) | 6.35% | 2Q26 YTD | — |
| Loans to deposits ratio | 79% | Q2 2026 | — |
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| Managed SBA 7(a) Loans - Held for Sale | $44M | as of June 30, 2026 | — |
| Managed SBA 7(a) Loans - Retained Balance | $436M | as of June 30, 2026 | — |
| Managed SBA 7(a) Loans - Servicing Portfolio | $1.19B | as of June 30, 2026 | — |
| Net charge-offs to average loans | 1.77% | Q2 2026 | — |
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| Net interest income - FTE non-GAAP | $33.6M | 2Q26 | — |
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| Nonperforming loans to total loans | 1.58% | Q2 2026 | — |
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| NPLs / total loans excluding fully-guaranteed balances non-GAAP | 1.07% | Q2 2026 | — |
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| Pre-provision net revenue (PPNR) non-GAAP | $15M | Q2 2026 | — |
| SBA GOS revenue | $4.7M | 2Q26 | — |
| Tangible common equity to tangible assets non-GAAP | 6.46% | Q2 2026 | — |
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| Tangible common equity to tangible assets ex-AOCI and adjusted for normalized cash balances non-GAAP | 6.98% | Q2 2026 | — |
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| Total deposits | $4.8B | Q2 2026 | — |
| Total Fintech Deposits | $3.6B | as of June 30, 2026 | — |
| Total loan balances | $3.8B | Q2 2026 | — |
| Total risk-based capital ratio | 12.22% | Q2 2026 | — |
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| Weighted average yield on new loans funded | 7.26% | 2Q26 | — |
| Yield on the loan portfolio | 6.34% | Q2 2026 | — |
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| ACL to NPLs excluding guaranteed balances non-GAAP | 122% | first quarter of 2026 | — |
| Adjusted net income non-GAAP | $5.6M | Q4 2025 | — |
| Tangible book value per common share non-GAAP | $40.87 | Q4 2025 | — |
| Tier 1 leverage ratio | 6.24% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
INBK
this stock
First Internet Bancorp
|
$250.13M | +37.0% | +101.8% | — | 2.4% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| INBK | -2.4% | +9.9% | +41.0% | -3.0% | +37.0% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -0.4% | +6.6% | +29.8% | -5.0% | +25.2% |
Capital returns
Latest dividend
$0.06
/ share · ex Jun 30, 2026
Paid (TTM)
$0.24
/ share · 4 payouts
Dividend yield (TTM, derived)
0.84%
Buyback program
· as of Jun 30, 2026
Authorized
$25.00M
Spent (derived)
$500,000
Remaining
$24.50M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1562463
CUSIP
320557101
13F (30d)
108 filings
108 filers
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