Saturday 17 October 2026
Export INBK’s income statement to Excel — free account
First Internet Bancorp
INBK Financial Banks Regional
First Internet Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $322.9 million, down 4.82% from fiscal 2024. In the quarter to June 2026, revenue fell 1.30%, EPS grew 1,250.0%, free cash flow grew 126.7% and total debt fell 6.67%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
25.66
0.28
−1.08%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
13.74 | 17.35 | 8.74 | 9.45 | 9.58 | 9.68 | 6.62 | 24.73 | 12.37 | 0.00 |
Piotroski F-Score |
5 | 4 | 6 | 3 | 7 | 5 | 6 | 6 | 7 | 3 |
P/S ratio |
2.27 | 2.81 | 1.56 | 1.45 | 1.63 | 2.80 | 1.31 | 0.80 | 0.92 | 0.56 |
P/FCF ratio |
7.10 | 11.60 | 7.15 | 0.00 | 0.00 | 14.11 | 3.58 | 33.78 | 30.07 | 82.03 |
P/Operating CF |
14.66 | (133.75) | 32.21 | (87.41) | 5.88 | 39.22 | 26.09 | 17.33 | (50.81) | 7.68 |
P/B ratio |
1.07 | 1.20 | 0.67 | 0.78 | 0.85 | 1.23 | 0.64 | 0.59 | 0.81 | 0.51 |
Price to Tangible BV |
1.11 | 1.22 | 0.68 | 0.79 | 0.87 | 1.24 | 0.65 | 0.60 | 0.82 | 0.51 |
EV/Sales |
4.83 | 7.00 | 4.54 | 3.02 | 2.64 | 3.86 | 3.91 | 1.98 | 0.73 | 0.25 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
13.31 | 27.09 | 19.22 | (11.36) | 35.01 | 11.72 | 8.42 | 45.13 | 18.97 | 23.31 |
EV/FCF |
15.12 | 28.86 | 20.79 | (10.38) | (36.63) | 19.44 | 10.68 | 83.50 | 23.70 | 36.19 |
Quick Ratio |
0.03 | 0.02 | 0.07 | 0.10 | 0.13 | 0.14 | 0.07 | 0.10 | 0.09 | 0.09 |
Current Ratio |
0.89 | 1.04 | 1.08 | 1.04 | 1.06 | 1.05 | 1.09 | 1.04 | 0.94 | 0.88 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
12.22% | 16.15% | 15.78% | 14.25% | 14.00% | 14.70% | 15.84% | 13.93% | 6.97% | 6.37% |
Debt/Equity |
1.47 | 1.99 | 1.94 | 1.92 | 1.80 | 1.63 | 1.97 | 1.98 | 1.04 | 0.99 |
Asset Turnover |
0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.06 | 0.06 |
Operating CF/Net income |
2.19 | 1.62 | 1.34 | (1.73) | 0.44 | 1.14 | 2.33 | 1.39 | 0.51 | (0.10) |
Capex/Depreciation |
(0.84) | (0.29) | (0.39) | (0.59) | (3.26) | (2.48) | (2.01) | (0.93) | (0.31) | (0.20) |
| 9.35% | 8.05% | 8.54% | 8.50% | 9.26% | 13.53% | 9.54% | 2.31% | 6.77% | (9.46%) | |
| 0.77% | 0.66% | 0.69% | 0.66% | 0.71% | 1.14% | 0.81% | 0.17% | 0.46% | (0.62%) | |
ROIC |
3.30% | 2.30% | 2.50% | 3.02% | 4.45% | 6.35% | 3.03% | 0.46% | 5.42% | (12.33%) |
Return on Tangible Assets |
(8.02%) | 15.08% | 9.16% | 17.09% | 13.18% | 22.39% | 9.33% | 3.44% | (12.21%) | 6.97% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
49.03% | 43.67% | 35.94% | 32.03% | 37.48% | 37.68% | 43.92% | 36.18% | 31.59% | 51.83% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
1.01% | 1.09% | 1.28% | 1.02% | 1.22% | 1.44% | 1.14% | 0.47% | 0.53% | 0.38% |
Graham Net Nets |
(2.34) | (1.33) | (1.71) | (1.90) | (1.44) | (0.99) | (1.76) | (2.57) | (2.17) | (5.09) |
Graham Number |
39.18 | 39.21 | 40.02 | 41.41 | 47.65 | 64.76 | 56.46 | 30.02 | 53.79 | 0.00 |
Earnings Yield |
7.28% | 5.76% | 11.45% | 10.59% | 10.44% | 10.33% | 15.11% | 4.04% | 8.09% | (19.26%) |
Free Cash Flow Yield |
14.08% | 8.62% | 13.99% | (20.03%) | (4.42%) | 7.09% | 27.94% | 2.96% | 3.33% | 1.22% |
Revenue per Share |
14.00 | 13.38 | 13.09 | 16.35 | 17.60 | 16.81 | 18.69 | 30.05 | 39.04 | 36.98 |
Operating CF per Share |
5.08 | 3.46 | 3.09 | (4.34) | 1.33 | 5.53 | 8.68 | 1.32 | 1.50 | 0.40 |
Capex per Share |
(0.61) | (0.21) | (0.23) | (0.41) | (2.60) | (2.20) | (1.84) | (0.61) | (0.30) | (0.14) |
Free Cash Flow per Share |
4.47 | 3.25 | 2.86 | (4.75) | (1.27) | 3.33 | 6.84 | 0.71 | 1.20 | 0.25 |
Cash per Share |
7.62 | 6.74 | 19.89 | 32.60 | 42.66 | 44.66 | 26.92 | 45.93 | 53.67 | 52.32 |
Shareholders Equity per Share |
29.54 | 31.48 | 30.43 | 30.36 | 33.63 | 38.35 | 38.29 | 41.05 | 44.20 | 41.21 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
29.54 | 31.48 | 30.43 | 30.36 | 33.63 | 38.35 | 38.29 | 41.05 | 44.20 | 41.21 |
Free Cash Flow |
23.30 | 23.11 | 27.14 | (47.68) | (12.49) | 33.06 | 65.21 | 6.31 | 10.40 | 2.22 |
Working Capital |
(160.51) | 90.90 | 228.27 | 133.04 | 185.86 | 155.06 | 308.13 | 171.14 | (278.48) | (572.58) |
Capital Expenditures |
(3.17) | (1.52) | (2.22) | (4.10) | (25.56) | (21.78) | (17.52) | (5.37) | (2.59) | (1.23) |
Net Current Asset Value |
(387.07) | (356.00) | (330.76) | (451.40) | (408.66) | (464.09) | (411.33) | (548.63) | (678.63) | (927.54) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.02 | 0.02 | 0.03 | 0.15 | 0.13 | 0.10 | 0.02 | 0.01 | 0.00 |
Price to Operating Income |
9.20 | 11.69 | 7.35 | 8.77 | 7.86 | 8.25 | 5.82 | 43.17 | 11.36 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.38 | 0.53 | 0.53 | 0.47 | 0.21 | 0.15 | 0.12 | 0.08 | 0.12 | 0.09 |
Cash ROIC |
5.54% | 3.21% | 2.62% | (3.92%) | (0.93%) | 2.29% | 4.86% | 0.42% | 0.83% | 0.19% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.01 | 0.02 | 0.04 | 0.05 | 0.04 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
27,795.23 | 24,776.28 | 18,327.88 | 13,632.18 | 16,508.66 | 24,517.08 | 20,998.99 | 9,021.90 | 8,804.56 | 8,558.90 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,209.46 | 1,773.90 | 2,378.15 | 2,912.66 | 3,212.42 | 3,224.92 | 3,310.10 | 3,754.11 | 4,500.09 | 4,886.51 |
Average Assets |
1,562.10 | 2,311.01 | 3,154.69 | 3,820.89 | 4,173.12 | 4,228.58 | 4,377.05 | 4,855.34 | 5,452.72 | 5,654.75 |
Average Common Equity |
129.14 | 189.03 | 256.43 | 296.82 | 317.93 | 355.64 | 372.66 | 363.88 | 373.43 | 371.92 |
Columns are period end dates