INBK · First Internet Bancorp
Price & Indicators
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AI Brief
TL;DR.
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 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 Strong BuyIllustrative 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 |
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| ACL to NPLs | 88% | Q2 FY2026 | — |
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| ACL to NPLs excluding guaranteed balances non-GAAP | 130% | Q2 FY2026 | — |
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| ACL to total loans | 1.39% | Q2 FY2026 | — |
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| Cost of interest-bearing deposits | 3.38% | Q2 FY2026 | — |
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| FTE net interest income non-GAAP | $33.6M | Q2 FY2026 | — |
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| FTE net interest margin non-GAAP | 2.47% | Q2 FY2026 | — |
| Loans to deposits ratio | 79% | Q2 FY2026 | — |
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| Net charge-offs to average loans | 1.77% | Q2 FY2026 | — |
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| Nonperforming loans to total loans | 1.58% | Q2 FY2026 | — |
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| NPLs / total loans excluding fully-guaranteed balances non-GAAP | 1.07% | Q2 FY2026 | — |
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| Provision for credit losses | $13.4M | Q2 FY2026 | — |
| Tangible common equity to tangible assets non-GAAP | 6.46% | Q2 FY2026 | — |
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| Tangible common equity to tangible assets ex-AOCI and adjusted for normalized cash balances non-GAAP | 6.98% | Q2 FY2026 | — |
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| Total loan balances | $3.8B | Q2 FY2026 | — |
| Yield on the loan portfolio | 6.34% | Q2 FY2026 | — |
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| Adjusted net income non-GAAP | $5.6M | Q4 2025 | — |
| Adjusted total revenue non-GAAP | $42.1M | Q4 2025 | — |
| Common equity tier 1 capital ratio | 8.93% | Q4 2025 | — |
| Tangible book value per common share non-GAAP | $40.87 | Q4 2025 | — |
| Tier 1 leverage ratio | 6.24% | Q4 2025 | — |
| Total risk-based capital ratio | 12.44% | 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 |
|---|---|---|---|---|---|
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INBK
this stock
First Internet Bancorp
|
$253.80M | +39.2% | +101.8% | — | 2.4% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
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 | -0.5% | +8.8% | +46.1% | -1.4% | +39.2% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | -0.9% | +4.3% | +32.3% | -5.3% | +25.4% |
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.