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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -47.0% |
| Our one-year growth estimate | diamond | -33.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 13.7 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
INBK — earnings miss
Dated 2026-10-29
Results of Operations and Financial Condition On October 29, 2026, First Internet Bancorp (the “ Company ” ) issued a press release announcing its financial results for the quarter ended September 30, 2026. A copy of the press release is furnished as Exhibit 99.1 to this report and is incorporated by reference herein. On October 29, 2026 at 5:00 p.m. (Eastern Time), the Company will host a conference call and webcast to discuss its financial results for the quarter ended September 30, 2026. T…
Why it matters: That range is in management's Q4 outlook. Reaching it would show that loan mix and deposit costs are helping margins.
Supportive ifQ4 FTE net interest margin is 2.75% or higher, within the guided range of 2.75% to 2.80%.
Worry ifQ4 FTE net interest margin is below 2.75%.
Why it matters: Fintech deposits helped replace higher-cost funding, and fintech fees rose 13% from Q2. Continued growth would support both fees and funding.
Supportive ifQ4 fintech fee revenue is above Q3's level, and fintech deposits continue to grow.
Worry ifQ4 fintech fee revenue is no higher than Q3's level, or fintech deposits fall from Q3's $5.2 billion total.
Why it matters: Credit costs fell in Q3, but one large franchise finance loan needed new reserves. Lower costs would support the recovery.
Supportive ifQ4 provision for credit losses is $8.0 million or less.
Worry ifQ4 provision for credit losses tops $8.0 million, or net charge-offs exceed Q3's 0.82% of average loans.
Why it matters: This is a clear test of the earnings outlook after Q3 revenue hit a record. A result below the range would weaken the near-term earnings picture.
Watch forQ4 diluted earnings per share are at least $1.02.
Also watch forQ4 diluted earnings per share are below $1.02.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$134 on $10,000 · ±1.3% | How much price usually moves either way. |
| Bad day | $349 loss on $10,000 · 3.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,966 loss on $10,000 · 19.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Core lending balances grew, but early payoffs and older loan runoffs remain a drag. Stronger net growth would show the mix shift is working.
Supportive ifQ4 total loans rise above Q3's $3.9 billion, with growth in core lending areas.
Worry ifQ4 total loans are at or below $3.9 billion, or payoffs and runoff outweigh new core loans.