First Internet Bancorp (INBK)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$25.77-5.01%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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.
At the same time, the growing fintech deposit base allowed the Company to retire higher-cost CDs and brokered deposits, contributing to the margin expansion.
Stated in 2 of 2 supplied quarters. Management reported: “At the same time, the growing fintech deposit base allowed the Company to retire higher-cost CDs and brokered deposits, contributing to the margin expansion.” ““We generated 21% revenue growth, 51% growth in pre-provision net revenue, and expanded our net interest margin 54 basis points year-over-year to 2.45%, reflecting years of disciplined balance sheet repositioning and proactive liability management.”
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 66% of the time over the next year (vs 56% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“At the same time, the growing fintech deposit base allowed the Company to retire higher-cost CDs and brokered deposits, contributing to the margin expansion.”
““We generated 21% revenue growth, 51% growth in pre-provision net revenue, and expanded our net interest margin 54 basis points year-over-year to 2.45%, reflecting years of disciplined balance sheet…”
Our fintech platform continues to expand, driving growth in both fee revenue and lower-cost deposits.
Stated in 2 of 2 supplied quarters. Management reported: “Our fintech platform continues to expand, driving growth in both fee revenue and lower-cost deposits.” “Noninterest income grew more than 56% year-over-year, driven by the continued strength of our Banking-as-a-Service platform and the deepening of our fintech partnerships, including an expanded relationship with jaris under which we will retain all small business loans originated through its platform.”
“Our fintech platform continues to expand, driving growth in both fee revenue and lower-cost deposits.”
“Additionally, our Banking-as-a-Service partnerships continue to grow and provide valuable deposit funding flexibility, while our commercial lending pipelines remain robust across multiple verticals.”
• Loan Portfolio Re-mix Toward Core Lending Areas : In line with the previously stated strategy, the loan portfolio continued to shift toward core verticals with higher new origination yields.
Stated in 2 of 2 supplied quarters. Management reported: “• Loan Portfolio Re-mix Toward Core Lending Areas : In line with the previously stated strategy, the loan portfolio continued to shift toward core verticals with higher new origination yields.” “• Strong Loan Production : Commercial loan production remained strong during the first quarter led by construction and single tenant lease financing.”
“• Loan Portfolio Re-mix Toward Core Lending Areas : In line with the previously stated strategy, the loan portfolio continued to shift toward core verticals with higher new origination yields.”
“• Strong Loan Production : Commercial loan production remained strong during the first quarter led by construction and single tenant lease financing.”
We also continue to invest in automation and AI-enabled tools across our lending and servicing operations, improving efficiency while elevating the experience we deliver for our customers and partner…
Stated in 2 of 2 supplied quarters. Management reported: “We also continue to invest in automation and AI-enabled tools across our lending and servicing operations, improving efficiency while elevating the experience we deliver for our customers and partners.” ““Beyond the strong quarterly financial results, we continued to make strategic investments in AI and digital capabilities that are already delivering measurable results - our virtual customer service agents resolve 45% of inquiries, our fraud detection agents enhance security, and our Net Promoter Scores are well above industry averages.”
“We also continue to invest in automation and AI-enabled tools across our lending and servicing operations, improving efficiency while elevating the experience we deliver for our customers and partner…”
““Beyond the strong quarterly financial results, we continued to make strategic investments in AI and digital capabilities that are already delivering measurable results - our virtual customer service…”
During the first quarter, ongoing proactive credit actions continued to drive progress in resolving problem credits.
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=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
5 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated stable grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7436).
Not investment advice. As of 2026-11-05.