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First Internet

NSQ:INBK · US3205571017
BanksX-Small

360

6
Profit price—
Cash yield45
Price/Sales100
Price/Book100
Returns on capital1
Profit margins—
Accruals97
Owner Earnings Margin1
Sales growth85
Profit Growth19
Owner Earnings Growth1
Reinvestment56
Price momentum6
Debt load96
Debt serviceability49
Liquidity1
Analyst ratings39
Opinion Changes50
Price Target Upside18
Market mood91
Value Creation0/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

First Internet doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded2005
Employees317
Websitefirstinternetbancorp.com
ISINUS3205571017
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
NeobankBankingCommercial Real EstateFinanceInternetLending

Description

First Internet Bancorp operates as a bank holding company for First Internet Bank of Indiana (the ‘bank’) that provides a wide range of commercial, small business, consumer, and municipal banking products and services. The company conducts consumer…

Analysis

Weak and unloved

First Internet Bancorp is weak and unloved: below-average business metrics and a price that reflects that disappointment.

Valuation data is not available for this company.

The trajectory is solid and the balance sheet is stretched. The company scores 0/20 on our value-creation score: not creating value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
92
2023202420252026

All-time high

92

Jun 2026

All-time low

20

Jan 2024

Average rank

59

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
100
97
72
32
Price/Earnings
97
100
53
81
Price/Book
100
97
100
54
Dividend Yield
45
13
14
17
Value (overall)
100
97
63
55

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →