Lumida
/INBK
⌘K
First Internet Bancorp

First Internet Bancorp

INBK
$28.00USD-3.71%-1.08 today

MARKET CAP

244.5M

P/E (TTM)

FWD P/E

DAY RANGE

$28 – $29

52W RANGE

$17
$31

AI Summary

Stalk
StalkMedium

INBK is in a Stage 2 advancing phase within a long-term uptrend, but the recent Bullish Exhaustion candle at an extreme overbought level signals near-term rejection. The medium-term bias remains bullish given higher highs/lows and strong EMA alignment, yet execution now is discouraged. Better entry awaits a pullback into rising 9/21 EMAs or support near the 50 DMA to confirm absorption before resuming the advance.

  • Q1 2026 total revenue $43.1M (+21% YoY) and net interest income $31.6M (+26% YoY)
  • Provision for credit losses fell to $13.4M from $16.3M last quarter
  • Credit provisions projected at $50–53M in 2026 signal persistent credit risk
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$166.7M$178.2M$265.6M$339.2M$322.9M
YoY %-3.7%+6.9%+49.1%+27.7%-4.8%
P / Sales2.8x1.3x0.8x0.9x0.6x
EV / Sales25.7x24.7x18.9x16.7x16.7x
Gross Profit, Adj.$119.4M$118.3M$101.0M$134.7M$116.5M
YoY %+18.4%-0.9%-14.6%+33.3%-13.5%
Margin %71.6%66.4%38.0%39.7%36.1%
EV / Gross Profit36.0x37.1x49.6x42.0x46.3x
EBITDA, Adj.$56.6M$40.1M$4.9M$27.5M$-50.9M
YoY %+66.9%-29.1%-87.7%+457.5%-284.7%
Margin %33.9%22.5%1.9%8.1%-15.8%
EV / EBITDA75.9x109.6x1014.2x205.5x-105.9x
EBIT$56.6M$40.1M$4.9M$27.5M$-50.9M
YoY %+66.9%-29.1%-87.7%+457.5%-284.7%
Margin %33.9%22.5%1.9%8.1%-15.8%
EV / EBIT75.9x109.6x1014.2x205.5x-105.9x
Net Income$48.1M$35.5M$8.4M$25.3M$-35.2M
YoY %+63.4%-26.1%-76.3%+200.3%-239.1%
Net Margin28.9%19.9%3.2%7.5%-10.9%
EPS (GAAP)$4.82$3.70$0.95$2.88-$4.03
YoY %+61.2%-23.2%-74.3%+203.2%-239.9%