First Internet Bancorp (INBK) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
First Internet Bancorp stock (INBK) is currently trading at $20.81. First Internet Bancorp PS ratio (Price-to-Sales) is 3.88. Analyst consensus price target for INBK is $25.70. WallStSmart rates INBK as Sell.
- INBK PE ratio analysis and historical PE chart
- INBK PS ratio (Price-to-Sales) history and trend
- INBK intrinsic value — DCF, Graham Number, EPV models
- INBK stock price prediction 2025 2026 2027 2028 2029 2030
- INBK fair value vs current price
- INBK insider transactions and insider buying
- Is INBK undervalued or overvalued?
- First Internet Bancorp financial analysis — revenue, earnings, cash flow
- INBK Piotroski F-Score and Altman Z-Score
- INBK analyst price target and Smart Rating
First Internet Bancorp
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Smart Analysis
First Internet Bancorp (INBK) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, institutional own.. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
First Internet Bancorp (INBK) Key Strengths (3)
Trading below book value, meaning the market prices it less than net assets
71.74% of shares held by major funds and institutions
Strong operational efficiency: $24 kept per $100 revenue
Supporting Valuation Data
First Internet Bancorp (INBK) Areas to Watch (6)
Company is destroying shareholder value
Revenue declining -8.00%, a shrinking business
Earnings declining -28.00%, profits shrinking
Company is losing money with a negative profit margin
Micro-cap company with very limited liquidity and high volatility
Revenue is fairly priced at 3.88x sales
First Internet Bancorp (INBK) Detailed Analysis Report
Overall Assessment
This company scores 38/100 in our Smart Analysis, earning a F grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 1.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, Institutional Own., Operating Margin. Valuation metrics including Price/Book (0.48) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 23.80%.
The Bear Case
The primary concerns are Return on Equity, Revenue Growth, EPS Growth. Some valuation metrics including Price/Sales (3.88) suggest expensive pricing. Growth concerns include Revenue Growth at -8.00%, EPS Growth at -28.00%, which may limit upside. Profitability pressure is visible in Return on Equity at -9.46%, Profit Margin at -79.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -9.46% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -8.00% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Revenue Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
INBK Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
INBK's Price-to-Sales ratio of 3.88x trades at a 19% premium to its historical average of 3.25x (64th percentile). The current valuation is 48% below its historical high of 7.53x set in Sep 2015, and 547% above its historical low of 0.6x in May 2023.
WallStSmart Analysis Synopsis
Data-driven financial summary for First Internet Bancorp (INBK) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
First Internet Bancorp is in a turnaround phase, with management focused on restoring profitability. Revenue reached 44M with 8% decline year-over-year. The company is currently unprofitable, posting a -79.6% profit margin.
Key Findings
Generating 23M in free cash flow and 24M in operating cash flow. Earnings are translating into actual cash generation.
Revenue contracted 8% YoY. Worth determining whether this is cyclical or structural.
The company is unprofitable with a -79.6% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Debt management: total debt of 355M is significantly higher than cash (6M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact First Internet Bancorp.
Bottom Line
First Internet Bancorp is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About First Internet Bancorp(INBK)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
First Internet Bancorp is the banking holding company for First Internet Bank of Indiana that provides commercial and retail banking products and services to individuals and business customers in the United States. The company is headquartered in Fishers, Indiana.