INBK · First Internet Bancorp
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AI Brief
Q2 FY26 earnings call · Jul 30, 2026TL;DR. First Internet Bancorp raised full-year noninterest income guidance to $40.5–$41 million and lowered noninterest expense guidance to $106–$107 million, while cutting FTE net interest income guidance to $141–$142 million on a smaller balance sheet; credit trends improved with delinquencies, nonaccruals and provision all declining sequentially and FTE NIM up 43 bps year-over-year to 2.47%.
- + Raised full-year noninterest income guidance to $40.5 million to $41 million on BaaS growth and gain-on-sale strength
- + Lowered full-year noninterest expense guidance to $106 million to $107 million on lower compensation
- + Credit quality improved: total delinquencies fell to 0.78% of performing loans from 1.06%, and total nonaccrual loans declined for the second consecutive quarter, down 14% from 1Q26
- + Provision for credit losses fell to $13.4 million, down 18% from $16.3 million in 1Q26, with provision expected to improve sequentially through 4Q26
- + Noninterest income grew 56% year-over-year and BaaS fee revenue increased 172% year-over-year
- − Cut full-year FTE net interest income guidance to $141 million to $142 million on a smaller balance sheet and lower SBA retention
- − Net charge-offs to average loans rose to 1.77% from 1.65% in 1Q26, reflecting resolution of nonperforming franchise finance loans
- − Total loans of $3.8 billion were down from $4.4 billion a year ago, with period-end and average balances pressured by early payoffs and lower retention of SBA balances
- − Total deposits of $4.8 billion declined $150.3 million, or 3%, from 1Q26 as fintech deposits were moved off-balance sheet
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
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
|
$244.54M | +34.2% | +101.8% | — | 2.3% |
|
MFG
Mizuho Financial Group Inc
|
$138.58B | +56.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$119.92B | -36.1% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$107.26B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$105.48B | -1.4% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| INBK | -2.1% | -4.4% | +42.4% | +2.4% | +34.2% |
| SPY | -1.2% | -1.8% | +17.8% | -0.4% | +12.1% |
| vs SPY | -1.0% | -2.6% | +24.6% | +2.8% | +22.1% |
Capital returns
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.