Stocktoria

First Internet Bancorp INBK

Nasdaq · stock · State Commercial Banks · website · IPO 2013-02-22 · LEI

First Internet Bancorp statistics & valuation

Market cap$237.4M
P / B0.7×
P / FCF106.9×
Dividend yield0.88%
Return on equity-9.8%
Net cash$207.3M
Enterprise value USD$30.2M

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
7.80% 6.80% 7.60% 8.30% 8.90% 12.70% 9.70% 2.30% 6.60% -9.80% 2016201720182019202020212022202320242025
Shares outstanding
5.2M 7.1M 9.5M 10.0M 9.8M 10.0M 9.6M 8.9M 8.8M 8.7M 2016201720182019202020212022202320242025
Net debt ($)
$150.5M $362.2M $336.4M $187.5M $95.1M $72.0M $358.4M $209.0M -$171.4M -$207.3M 2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.70% 0.60% 0.60% 0.60% 0.70% 1.10% 0.80% 0.20% 0.40% -0.60% 2016201720182019202020212022202320242025
Free cash flow margin (%)
294.90% 474.60% -413.20% 2016201720182019202020212022202320242025
Debt / equity (×)
1.23× 1.83× 1.82× 1.69× 1.56× 1.35× 1.68× 1.69× 0.77× 0.69× 2016201720182019202020212022202320242025
EPS ($)
$2.30 $2.13 $2.30 $2.51 $2.99 $4.82 $3.70 $0.95 $2.88 -$4.03 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

First Internet Bancorp trades at about 10.1× earnings — below its 10-year norm (10-year range 7.1×–34.7×, median 11.3×).

7.1× 34.7×

Shaded band = 10-year range (7.1×–34.7×); dot = today's 10.1×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin——————218.7%383.0%194.3%—
FCF margin——————-413.2%474.6%294.9%—
Return on assets-0.6%0.4%0.2%0.8%1.1%0.7%0.6%0.6%0.6%0.7%
Return on equity-9.8%6.6%2.3%9.7%12.7%8.9%8.3%7.6%6.8%7.8%
Debt / equity0.69×0.77×1.69×1.68×1.35×1.56×1.69×1.82×1.83×1.23×

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.