Saturday 17 October 2026 Export INBK’s income statement to Excel — free account

First Internet Bancorp

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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Market cap: $226.6M
P/E: 0.0×
Fwd P/E: 11.4×
Dividend yield: 0.94%
F-score: 3/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	13.74	17.35	8.74	9.45	9.58	9.68	6.62	24.73	12.37	0.00
Piotroski F-Score Full definition →	5	4	6	3	7	5	6	6	7	3
P/S ratio Full definition →	2.27	2.81	1.56	1.45	1.63	2.80	1.31	0.80	0.92	0.56
P/FCF ratio Full definition →	7.10	11.60	7.15	0.00	0.00	14.11	3.58	33.78	30.07	82.03
P/Operating CF Full definition →	14.66	(133.75)	32.21	(87.41)	5.88	39.22	26.09	17.33	(50.81)	7.68
P/B ratio Full definition →	1.07	1.20	0.67	0.78	0.85	1.23	0.64	0.59	0.81	0.51
Price to Tangible BV Full definition →	1.11	1.22	0.68	0.79	0.87	1.24	0.65	0.60	0.82	0.51
EV/Sales Full definition →	4.83	7.00	4.54	3.02	2.64	3.86	3.91	1.98	0.73	0.25
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	13.31	27.09	19.22	(11.36)	35.01	11.72	8.42	45.13	18.97	23.31
EV/FCF Full definition →	15.12	28.86	20.79	(10.38)	(36.63)	19.44	10.68	83.50	23.70	36.19
Quick Ratio Full definition →	0.03	0.02	0.07	0.10	0.13	0.14	0.07	0.10	0.09	0.09
Current Ratio Full definition →	0.89	1.04	1.08	1.04	1.06	1.05	1.09	1.04	0.94	0.88
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	12.22%	16.15%	15.78%	14.25%	14.00%	14.70%	15.84%	13.93%	6.97%	6.37%
Debt/Equity Full definition →	1.47	1.99	1.94	1.92	1.80	1.63	1.97	1.98	1.04	0.99
Asset Turnover Full definition →	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.06	0.06
Operating CF/Net income Full definition →	2.19	1.62	1.34	(1.73)	0.44	1.14	2.33	1.39	0.51	(0.10)
Capex/Depreciation Full definition →	(0.84)	(0.29)	(0.39)	(0.59)	(3.26)	(2.48)	(2.01)	(0.93)	(0.31)	(0.20)
ROE Full definition →	9.35%	8.05%	8.54%	8.50%	9.26%	13.53%	9.54%	2.31%	6.77%	(9.46%)
ROA Full definition →	0.77%	0.66%	0.69%	0.66%	0.71%	1.14%	0.81%	0.17%	0.46%	(0.62%)
ROIC Full definition →	3.30%	2.30%	2.50%	3.02%	4.45%	6.35%	3.03%	0.46%	5.42%	(12.33%)
Return on Tangible Assets Full definition →	(8.02%)	15.08%	9.16%	17.09%	13.18%	22.39%	9.33%	3.44%	(12.21%)	6.97%
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	1.01%	1.09%	1.28%	1.02%	1.22%	1.44%	1.14%	0.47%	0.53%	0.38%
Graham Net Nets Full definition →	(2.34)	(1.33)	(1.71)	(1.90)	(1.44)	(0.99)	(1.76)	(2.57)	(2.17)	(5.09)
Graham Number Full definition →	39.18	39.21	40.02	41.41	47.65	64.76	56.46	30.02	53.79	0.00
Earnings Yield Full definition →	7.28%	5.76%	11.45%	10.59%	10.44%	10.33%	15.11%	4.04%	8.09%	(19.26%)
Free Cash Flow Yield Full definition →	14.08%	8.62%	13.99%	(20.03%)	(4.42%)	7.09%	27.94%	2.96%	3.33%	1.22%
Revenue per Share Full definition →	14.00	13.38	13.09	16.35	17.60	16.81	18.69	30.05	39.04	36.98
Operating CF per Share Full definition →	5.08	3.46	3.09	(4.34)	1.33	5.53	8.68	1.32	1.50	0.40
Capex per Share Full definition →	(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 Full definition →	4.47	3.25	2.86	(4.75)	(1.27)	3.33	6.84	0.71	1.20	0.25
Cash per Share Full definition →	7.62	6.74	19.89	32.60	42.66	44.66	26.92	45.93	53.67	52.32
Shareholders Equity per Share Full definition →	29.54	31.48	30.43	30.36	33.63	38.35	38.29	41.05	44.20	41.21
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	29.54	31.48	30.43	30.36	33.63	38.35	38.29	41.05	44.20	41.21
Free Cash Flow Full definition →	23.30	23.11	27.14	(47.68)	(12.49)	33.06	65.21	6.31	10.40	2.22
Working Capital Full definition →	(160.51)	90.90	228.27	133.04	185.86	155.06	308.13	171.14	(278.48)	(572.58)
Capital Expenditures Full definition →	(3.17)	(1.52)	(2.22)	(4.10)	(25.56)	(21.78)	(17.52)	(5.37)	(2.59)	(1.23)
Net Current Asset Value Full definition →	(387.07)	(356.00)	(330.76)	(451.40)	(408.66)	(464.09)	(411.33)	(548.63)	(678.63)	(927.54)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.04	0.02	0.02	0.03	0.15	0.13	0.10	0.02	0.01	0.00
Price to Operating Income Full definition →	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 Full definition →	0.38	0.53	0.53	0.47	0.21	0.15	0.12	0.08	0.12	0.09
Cash ROIC Full definition →	5.54%	3.21%	2.62%	(3.92%)	(0.93%)	2.29%	4.86%	0.42%	0.83%	0.19%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.02	0.02	0.02	0.03	0.02	0.01	0.02	0.04	0.05	0.04
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	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 Full definition →	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 Full definition →	129.14	189.03	256.43	296.82	317.93	355.64	372.66	363.88	373.43	371.92

Fold the line items

Columns are period end dates

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