First Internet Bancorp (INBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$29.75+3.98%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · INBK
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Maintain growth in fully-taxable equivalent net interest income within the guided range for fiscal year 2026.
Stated as a priority in 2 of last 2 quarters. Management guided FTE net interest income for 2026 at $141M to $142M in 2026-Q2, down from prior guidance of $155M to $160M in 2026-Q1. Revenue was stable, $75.8M in 2026-Q1 and $76.6M in 2026-Q2. The trajectory shows management maintaining a narrowed guidance range reflecting cautious optimism and delivering consistent revenue.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“FTE net interest income in the range of $141 million to $142 million”
“FTE net interest income of $155 million to $160 million”
Continue paying a quarterly cash dividend of $0.06 per common share as declared by the Board.
Stated as a priority in 3 of last 3 quarters. The company consistently declared a quarterly dividend of $0.06 per share from 2025-Q4 through 2026-Q2. This demonstrates steady capital allocation to shareholders with no change in dividend amount, delivering on the stated commitment.
“Dividends declared per share $0.06”
“Dividends declared per share $0.06”
“Dividends declared per share $0.06”
Control the provision for credit losses, including net charge-offs and reserves, within the $47 million to $48 million range for the full year 2026.
Stated as a priority in 2 of last 2 quarters. The provision for credit losses was $16.3M in 2026-Q1 and declined to $13.4M in 2026-Q2, showing improvement. Management's full-year guidance of $47M to $48M reflects control efforts amid improving credit trends, indicating progress toward the target.
“Provision for credit losses of $13.4 million, down from $16.3 million in prior quarter”
“Provision for credit losses for the first quarter of 2026 of $16.3 million”
Expand fee-based revenue by growing the Banking-as-a-Service platform and fintech partnerships.
Stated as a priority in 2 of last 2 quarters. Noninterest income grew 56% year-over-year in 2026-Q2, driven by Banking-as-a-Service platform and fintech partnerships. The absolute noninterest income was $8.7M in 2026-Q2, up from prior year, showing delivery on fee income growth.
“Noninterest income grew 56% year-over-year, driven by Banking-as-a-Service platform”
“Noninterest income of $11.5 million, which increased 10% from prior year period”
Continue growing fully-taxable equivalent net interest income to reach $155 million to $160 million in 2026.
Over the trailing year it converted 9.66x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, Fed net liquidity, real (inflation-adjusted) rates (low R² over the window).
3 material management or governance events in the past 24 months, led by M&A activity. Historically, Financials names rated stable grew net income 56% of the time over the next year (vs 57% for the rest of the cohort, n=2725).
Not investment advice. As of 2026-09-04.