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
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 recently climbed back into the top half of its industry — confirming the recovery.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -63.7% |
| Our one-year growth estimate | diamond | -28.5% |
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 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
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 35.2 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 220 industry peers
INBK — earnings miss
Dated 2025-10-22
Results of Operations and Financial Condition On October 22, 2025, First Internet Bancorp (the “ Company ” ) issued a press release announcing its financial results for the quarter ended September 30, 2025. A copy of the press release is furnished as Exhibit 99.1 to this report and is incorporated by reference herein. On October 23, 2025, at 2:00 p.m. (Eastern Time), the Company will host a conference call and webcast to discuss its financial results for the quarter ended September 30, 2025.…
Why it matters: This income target shows how well the bank is managing its interest earnings. Meeting it signals strong financial health.
Supportive ifNet interest income for the quarter meets or exceeds $141 million.
Worry ifNet interest income falls below $141 million.
Why it matters: Keeping the dividend shows the company is stable. It shows care for shareholders.
Supportive ifThe company pays a quarterly dividend of $0.06 for each share.
Worry ifThe company lowers the dividend below $0.06 per share. This shows financial trouble.
Why it matters: Earnings results will show the bank's performance and growth. It influences investor sentiment.
Watch forThe earnings report shows a big gain compared to what was expected.
Also watch forThe earnings report falls short of what was expected.
Why it matters: Reaching this target shows the bank can grow its income well.
Supportive ifFTE net interest income reports between $155M and $160M.
Worry ifFTE net interest income is below $155M. This shows income challenges.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$162 on $10,000 · ±1.6% | How much price usually moves either way. |
| Bad day | $348 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 | $3,146 loss on $10,000 · 31.5% | 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: Stabilizing or growing deposits is key for funding loan growth and overall health.
Supportive ifTotal deposits reported in Q3 are stable or increase from $4.8 billion.
Worry ifTotal deposits in Q3 fell from $4.8 billion.
Why it matters: Strong growth in noninterest income shows the Banking-as-a-Service platform is doing well. It also shows success in fintech partnerships.
Supportive ifNoninterest income growth in Q3 exceeds 50% year over year.
Worry ifNoninterest income growth in Q3 is below 30% year over year.
Why it matters: A drop in loan balances could mean weaker demand or credit quality problems.
Worry ifTotal loan balances drop below $3.7 billion.
Less concerning ifTotal loan balances stay above $3.8 billion.
Why it matters: This provision reflects the bank's risk management. Staying within this range shows effective credit quality control.
Worry ifProvision for credit losses is between $47 million and $48 million.
Less concerning ifProvision for credit losses is more than $48 million.
Why it matters: A lower provision means better credit quality. It shows management is handling loans well.
Supportive ifProvision for credit losses in Q3 is reported below $13 million.
Worry ifProvision for credit losses in Q3 exceeds $16 million.
Why it matters: A slowdown in net interest income growth could signal weakening loan demand or margin pressure.
Worry ifQ2 net interest income grew less than 25% compared to last year.
Less concerning ifQ2 net interest income growth remains at or above 25% year-over-year.
Why it matters: More net charge-offs can show higher credit risk. This may hurt First Internet Bancorp's finances.
Worry ifNet charge-offs rose a lot in the Q2 earnings report.
Less concerning ifNet charge-offs remain stable or decrease in the Q2 earnings report.
Why it matters: A drop in revenue growth would signal a slowdown in the financial sector's expansion. This could hurt investor confidence in First Internet Bancorp.
Worry ifRevenue growth falls below the median for the last three years.
Less concerning ifRevenue growth remains above the median for the last three years.