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First Internet Bancorp - Fixed- INBKZ

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Price alert · INBKZ

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25.43 USD 0.00 (+0.00%)

At closeNov 9, 2026, 4:00 PM EST

23.77 -1.66 -6.53%

After hours · Nov 9, 4:00 PM ET

25.43 Day range 25.43
24.12 52-week range 26.44
YTD
+2.75%
1 year
+3.63%

Financial health

Altman Z-Score

0.33 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C2 / 5 overall

  • DCF 4
  • Return on Equity 2
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E -5.2×
FY 2016: 13.8×FY 2017: 17.8×FY 2018: 8.8×FY 2019: 9.4×FY 2020: 9.6×FY 2021: 9.7×FY 2022: 6.5×FY 2023: 25.5×FY 2024: 12.4×FY 2025: -5.2×
FY 2016 5y median 9.7× FY 2025
P/S 0.6×
FY 2016: 2.3×FY 2017: 2.9×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 1.7×FY 2021: 2.9×FY 2022: 1.3×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 0.6×
FY 2016 5y median 0.9× FY 2025
P/B 0.5×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 1.2×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.8×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025
P/FCF 82.0×
FY 2016: 7.2×FY 2017: 11.8×FY 2018: 7.1×FY 2019: -5.0×FY 2020: -22.6×FY 2021: 18.7×FY 2022: 3.5×FY 2023: 33.9×FY 2024: 30.1×FY 2025: 82.0×
FY 2016 5y median 30.1× FY 2025
EV/EBITDA -1.8×
FY 2016: 16.2×FY 2017: 23.8×FY 2018: 19.1×FY 2019: 14.5×FY 2020: 11.0×FY 2021: 9.8×FY 2022: 14.2×FY 2023: 49.4×FY 2024: 6.8×FY 2025: -1.8×
FY 2016 5y median 9.8× FY 2025
EV/Sales 0.2×
FY 2016: 4.9×FY 2017: 7.1×FY 2018: 4.6×FY 2019: 3.0×FY 2020: 2.7×FY 2021: 4.0×FY 2022: 4.0×FY 2023: 2.0×FY 2024: 0.7×FY 2025: 0.2×
FY 2016 5y median 2.0× FY 2025
FCF Yield 1.2%
FY 2016: 14.0%FY 2017: 8.5%FY 2018: 14.0%FY 2019: -20.0%FY 2020: -4.4%FY 2021: 5.3%FY 2022: 28.2%FY 2023: 3.0%FY 2024: 3.3%FY 2025: 1.2%
FY 2016 5y median 3.3% FY 2025

Profitability

Gross Margin 13.7%
FY 2016: 67.3%FY 2017: 62.2%FY 2018: 53.7%FY 2019: 44.6%FY 2020: 52.3%FY 2021: 70.2%FY 2022: 62.7%FY 2023: 30.3%FY 2024: 33.5%FY 2025: 13.7%
FY 2016 5y median 33.5% FY 2025
Operating Margin -15.8%
FY 2016: 24.9%FY 2017: 24.3%FY 2018: 19.4%FY 2019: 16.7%FY 2020: 19.8%FY 2021: 34.9%FY 2022: 23.1%FY 2023: 1.9%FY 2024: 8.3%FY 2025: -15.8%
FY 2016 5y median 8.3% FY 2025
Net Margin -10.9%
FY 2016: 16.7%FY 2017: 16.2%FY 2018: 17.8%FY 2019: 15.5%FY 2020: 17.2%FY 2021: 29.7%FY 2022: 20.5%FY 2023: 3.2%FY 2024: 7.6%FY 2025: -10.9%
FY 2016 5y median 7.6% FY 2025
ROE -9.8%
FY 2016: 7.8%FY 2017: 6.8%FY 2018: 7.6%FY 2019: 8.3%FY 2020: 8.9%FY 2021: 12.7%FY 2022: 9.7%FY 2023: 2.3%FY 2024: 6.6%FY 2025: -9.8%
FY 2016 5y median 6.6% FY 2025
ROIC -0.6%
FY 2016: 3.2%FY 2017: 2.3%FY 2018: 2.6%FY 2019: 2.8%FY 2020: 3.2%FY 2021: 4.8%FY 2022: 3.3%FY 2023: 0.5%FY 2024: 3.2%FY 2025: -0.6%
FY 2016 5y median 3.2% FY 2025
ROA -0.6%
FY 2016: 0.7%FY 2017: 0.6%FY 2018: 0.6%FY 2019: 0.6%FY 2020: 0.7%FY 2021: 1.1%FY 2022: 0.8%FY 2023: 0.2%FY 2024: 0.4%FY 2025: -0.6%
FY 2016 5y median 0.4% FY 2025

Growth (YoY)

Revenue -3.2%
FY 2016: 41.5%FY 2017: 30.7%FY 2018: 30.9%FY 2019: 32.3%FY 2020: 5.0%FY 2021: -5.3%FY 2022: 7.2%FY 2023: 49.6%FY 2024: 28.3%FY 2025: -3.2%
FY 2016 FY 2025
Operating Income -284.7%
FY 2016: 31.6%FY 2017: 27.5%FY 2018: 4.5%FY 2019: 13.4%FY 2020: 24.8%FY 2021: 66.9%FY 2022: -29.1%FY 2023: -87.7%FY 2024: 457.5%FY 2025: -284.7%
FY 2016 FY 2025
EPS (diluted) -239.9%
FY 2016: 17.3%FY 2017: -7.4%FY 2018: 8.0%FY 2019: 9.1%FY 2020: 19.1%FY 2021: 61.2%FY 2022: -23.2%FY 2023: -74.3%FY 2024: 203.2%FY 2025: -239.9%
FY 2016 FY 2025
Free Cash Flow -78.6%
FY 2016: 178.5%FY 2017: -0.8%FY 2018: 17.4%FY 2019: -275.7%FY 2020: 73.8%FY 2021: 299.7%FY 2022: 161.4%FY 2023: -90.3%FY 2024: 64.7%FY 2025: -78.6%
FY 2016 FY 2025

Financial Health

Current Ratio 110×
FY 2016: 0.8×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 110×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 110×
FY 2016: 0.8×FY 2017: 0.6×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 110×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 1.0×
FY 2016: 1.5×FY 2017: 2.0×FY 2018: 1.9×FY 2019: 1.9×FY 2020: 1.8×FY 2021: 1.6×FY 2022: 2.0×FY 2023: 2.0×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.6× FY 2025
Net Debt / EBITDA 2.3×
FY 2016: 8.6×FY 2017: 14.1×FY 2018: 12.5×FY 2019: 7.5×FY 2020: 4.2×FY 2021: 2.7×FY 2022: 9.5×FY 2023: 29.4×FY 2024: -1.8×FY 2025: 2.3×
FY 2016 5y median 2.7× FY 2025
Interest Coverage -0.2×
FY 2016: 0.9×FY 2017: 0.7×FY 2018: 0.5×FY 2019: 0.3×FY 2020: 0.5×FY 2021: 1.2×FY 2022: 0.7×FY 2023: 0.0×FY 2024: 0.1×FY 2025: -0.2×
FY 2016 5y median 0.1× FY 2025

Dividends

Dividend Yield 1.1%
FY 2016: 0.7%FY 2017: 0.6%FY 2018: 1.1%FY 2019: 1.0%FY 2020: 0.8%FY 2021: 0.5%FY 2022: 1.0%FY 2023: 1.0%FY 2024: 0.7%FY 2025: 1.1%
FY 2016 5y median 1.0% FY 2025
Payout Ratio -5.9%
FY 2016: 9.9%FY 2017: 11.0%FY 2018: 10.2%FY 2019: 9.6%FY 2020: 8.0%FY 2021: 5.0%FY 2022: 6.5%FY 2023: 25.6%FY 2024: 8.2%FY 2025: -5.9%
FY 2016 5y median 6.5% FY 2025

Annual · latest fiscal year ends 2025-12-31