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

Fold the line items

Columns are period end dates

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