INBK · First Internet Bancorp
$26.83
-0.79 (-2.86%)
At close · Oct 5
Return incl. dividend (before tax)
Market Cap
$230.48M
Shares
8.73M
Volume · Oct 5
28.67K
Avg daily vol (3M)
46.61K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$27.62
Open$27.40
Day$27.32–28.13
52W close$17.26–29.94
Avg vol 30d54K
Short int206K · 2.4% float · 3.5d
Short vol75%
Last earningsJul 30, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 5
Up next
Next earnings call
Oct 29, 2026
Est · unconfirmed
· in 3 wks
filed Aug 5, 2026
call held Jul 30, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$131.64M
Trailing 12 months
Net income (TTM)
−$31.43M
Trailing 12 months
Revenue growth YoY
+22.6%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
69.4%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
0.9%
Trailing 12 months
Shares change YoY
+0.7%
Year over year · more shares
Price change (1Y)
+26.6%
Trailing year
Short interest
2.4%
Latest settlement · 3.5 days to cover
AI Brief
Q2 FY26 earnings call · Jul 30, 2026
Q2 FY26
TL;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%.
Bullish
- + 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
Bearish
- − 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
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 15.3 · calm
Equity put/call 0.58
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+14%
above
Price vs 50-day avg
−2%
below
RSI (14)
52
neutral
MACD trend
Negative
52-week position
82%
mid-range
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+18%
trailing
YTD return
+32%
this year
Relative strength
+6%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $28 › 200d $24 — 50d above 200d
Institutional flow
Flat
1 of 119 funds reported for Sep 30 · net 0 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.35% of float · ▲ +0.4% MoM · 3.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
119 holders — mid 3-yr range
Squeeze score
55
elevated · 0–100
Fundamentals
Revenue growth
+102%
Y/Y
EPS growth
−240%
Y/Y
Free cash flow
$2.2M
Buyback
$25.0M
authorized
Balance sheet
$207.3M
net cash
Quant / Vol
risk profile
Volatility
41%
annualized · 1-yr
Max drawdown
−24%
past year
ATR
3.6%
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
Initiated
2.75% – 2.8%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+14%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
52
Neutral
MACD trend
Negative
Bearish
52-week position
82%
Neutral
Market signals — smart money & positioning
Bearish · 1 of 6
Trend (MA cross)
No cross
50d $28 › 200d $24 — 50d above 200d
Institutional flow
Flat
1 of 119 funds reported for Sep 30 · net 0 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.35% of float · ▲ +0.4% MoM · 3.5 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 $28 · 82%
Range high $30
vs 200-day avg +14%
vs 50-day avg -2%
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 |
|---|---|---|---|
| Average tangible common equity non-GAAP | $365.56M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Total average equity - GAAP 370.25M
-4.69M Average goodwill
= Average tangible common equity 365.56M
|
|||
| Net interest income - FTE non-GAAP | $33.58M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net interest income 32.44M
+1.14M Fully-taxable equivalent adjustments
= Net interest income - FTE 33.58M
|
|||
| net interest margin - FTE non-GAAP | 2.47% | the three months ended June 30, 2026 filing | — |
| pre-provision net revenue (PPNR) non-GAAP | $15M | the second quarter 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income - GAAP 2.37M
+13.42M Provision for credit losses
-780K Income tax benefit
= Pre-provision net revenue 15M
|
|||
| return on average assets (ROAA) | 0.17% | the second quarter 2026 filing | — |
| return on average shareholders' equity (ROAE) | 2.56% | the second quarter 2026 filing | — |
| return on average tangible common equity (ROATCE) | 2.6% | the second quarter 2026 filing | — |
| Tangible assets non-GAAP | $5.55B | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Total assets - GAAP 5.56B
-4.69M Goodwill
= Tangible assets 5.55B
|
|||
| Tangible book value per common share non-GAAP | $41.09 | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Book value per common share $41.63
-$0.54 Effect of goodwill
= Tangible book value per common share $41.09
|
|||
| Tangible common equity non-GAAP | $358.86M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Total equity - GAAP 363.55M
-4.69M Goodwill
= Tangible common equity 358.86M
|
|||
| Total interest income - FTE non-GAAP | $77.78M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Total interest income 76.64M
+1.14M Fully-taxable equivalent adjustments
= Total interest income - FTE 77.78M
|
|||
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
|
$230.48M | +32.3% | +101.8% | — | 2.4% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 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 sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| INBK | +4.7% | -3.5% | +18.0% | +4.8% | +32.3% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | +4.9% | -3.0% | +5.8% | +3.9% | +19.5% |
Capital returns
Latest dividend
$0.06
/ share · ex Oct 1, 2026
Paid (TTM)
$0.24
/ share · 4 payouts
Dividend yield (TTM, derived)
0.87%
Buyback program
· as of Oct 20, 2025
Authorized
$25.00M
Spent (derived)
—
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.