First Internet Bancorp (INBK)
Market Price (2/16/2026): $21.18 | Market Cap: $185.2 MilSector: Financials | Industry: Regional Banks
First Internet Bancorp (INBK)
Market Price (2/16/2026): $21.18Market Cap: $185.2 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -490% | Weak multi-year price returns2Y Excs Rtn is -70%, 3Y Excs Rtn is -86% | Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -7.3%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.5%, Rev Chg QQuarterly Revenue Change % is -88% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending. | Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -26% | |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -21% | ||
| Key risksINBK key risks include [1] deteriorating asset quality, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -490% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Online Banking & Lending. |
| Weak multi-year price returns2Y Excs Rtn is -70%, 3Y Excs Rtn is -86% |
| Weak revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is -7.3%, Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -1.5%, Rev Chg QQuarterly Revenue Change % is -88% |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -24%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -26% |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -21% |
| Key risksINBK key risks include [1] deteriorating asset quality, Show more. |
Qualitative Assessment
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First Internet Bancorp (INBK) stock has gained about 20% since 10/31/2025 because of the following key factors:
1. Strong Fourth Quarter 2025 Earnings Beat and Robust Financial Performance
First Internet Bancorp reported adjusted diluted earnings per share (EPS) of $0.64 for Q4 2025, significantly surpassing analyst expectations of $0.51. The company also demonstrated strong growth in key financial metrics, with net interest income increasing 29% year-over-year and adjusted total revenue rising 21% year-over-year to $42.1 million. Furthermore, adjusted pre-provision net revenue (PPNR) grew impressively by 66% compared to the prior year, and the net interest margin expanded by 55 basis points year-over-year to 2.22%.
2. Significant Growth in Banking-as-a-Service (BaaS) and Fintech Initiatives
The company's Banking-as-a-Service (BaaS) platform and fintech partnerships experienced substantial growth, contributing to increased revenue and deposits. BaaS initiatives generated over $1.3 billion in new deposits in 2025, more than tripling the prior year's figures. Payment processing volumes surged over 225% from 2024 to $165 billion, with Q4 2025 volumes alone reaching $65 billion, a 40% increase from the previous quarter. Fintech fee revenue also saw impressive growth, up 182% in 2025 compared to 2024.
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1. Strong Fourth Quarter 2025 Earnings Beat and Robust Financial Performance
First Internet Bancorp reported adjusted diluted earnings per share (EPS) of $0.64 for Q4 2025, significantly surpassing analyst expectations of $0.51. The company also demonstrated strong growth in key financial metrics, with net interest income increasing 29% year-over-year and adjusted total revenue rising 21% year-over-year to $42.1 million. Furthermore, adjusted pre-provision net revenue (PPNR) grew impressively by 66% compared to the prior year, and the net interest margin expanded by 55 basis points year-over-year to 2.22%.
2. Significant Growth in Banking-as-a-Service (BaaS) and Fintech Initiatives
The company's Banking-as-a-Service (BaaS) platform and fintech partnerships experienced substantial growth, contributing to increased revenue and deposits. BaaS initiatives generated over $1.3 billion in new deposits in 2025, more than tripling the prior year's figures. Payment processing volumes surged over 225% from 2024 to $165 billion, with Q4 2025 volumes alone reaching $65 billion, a 40% increase from the previous quarter. Fintech fee revenue also saw impressive growth, up 182% in 2025 compared to 2024.
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Stock Movement Drivers
Fundamental Drivers
The 19.3% change in INBK stock from 10/31/2025 to 2/15/2026 was primarily driven by a 50.8% change in the company's P/S Multiple.| (LTM values as of) | 10312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 17.69 | 21.09 | 19.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 137 | 108 | -20.8% |
| P/S Multiple | 1.1 | 1.7 | 50.8% |
| Shares Outstanding (Mil) | 9 | 9 | -0.1% |
| Cumulative Contribution | 19.3% |
Market Drivers
10/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| INBK | 19.3% | |
| Market (SPY) | -0.0% | 14.6% |
| Sector (XLF) | -1.4% | 34.6% |
Fundamental Drivers
The -3.3% change in INBK stock from 7/31/2025 to 2/15/2026 was primarily driven by a -20.1% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 7312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.81 | 21.09 | -3.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 135 | 108 | -20.1% |
| P/S Multiple | 1.4 | 1.7 | 21.4% |
| Shares Outstanding (Mil) | 9 | 9 | -0.3% |
| Cumulative Contribution | -3.3% |
Market Drivers
7/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| INBK | -3.3% | |
| Market (SPY) | 8.2% | 19.2% |
| Sector (XLF) | -1.1% | 43.0% |
Fundamental Drivers
The -34.6% change in INBK stock from 1/31/2025 to 2/15/2026 was primarily driven by a -29.0% change in the company's P/S Multiple.| (LTM values as of) | 1312025 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 32.24 | 21.09 | -34.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 117 | 108 | -7.3% |
| P/S Multiple | 2.4 | 1.7 | -29.0% |
| Shares Outstanding (Mil) | 9 | 9 | -0.5% |
| Cumulative Contribution | -34.6% |
Market Drivers
1/31/2025 to 2/15/2026| Return | Correlation | |
|---|---|---|
| INBK | -34.6% | |
| Market (SPY) | 14.3% | 40.1% |
| Sector (XLF) | 1.4% | 48.4% |
Fundamental Drivers
The -17.2% change in INBK stock from 1/31/2023 to 2/15/2026 was primarily driven by a -16.4% change in the company's P/S Multiple.| (LTM values as of) | 1312023 | 2152026 | Change |
|---|---|---|---|
| Stock Price ($) | 25.48 | 21.09 | -17.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 118 | 108 | -8.4% |
| P/S Multiple | 2.0 | 1.7 | -16.4% |
| Shares Outstanding (Mil) | 9 | 9 | 8.2% |
| Cumulative Contribution | -17.2% |
Market Drivers
1/31/2023 to 2/15/2026| Return | Correlation | |
|---|---|---|
| INBK | -17.2% | |
| Market (SPY) | 74.0% | 37.5% |
| Sector (XLF) | 47.7% | 54.8% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| INBK Return | 65% | -48% | 1% | 50% | -41% | 0% | -24% |
| Peers Return | 91% | -54% | 73% | 12% | 32% | -2% | 119% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| INBK Win Rate | 58% | 33% | 58% | 42% | 42% | 50% | |
| Peers Win Rate | 63% | 35% | 57% | 52% | 62% | 40% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| INBK Max Drawdown | -4% | -52% | -60% | -4% | -52% | -2% | |
| Peers Max Drawdown | -4% | -57% | -20% | -22% | -25% | -8% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: AX, ALLY, SOFI, LOB, CUBI.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/13/2026 (YTD)
How Low Can It Go
| Event | INBK | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -81.5% | -25.4% |
| % Gain to Breakeven | 441.0% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -56.3% | -33.9% |
| % Gain to Breakeven | 129.0% | 51.3% |
| Time to Breakeven | 272 days | 148 days |
| 2018 Correction | ||
| % Loss | -56.6% | -19.8% |
| % Gain to Breakeven | 130.4% | 24.7% |
| Time to Breakeven | 954 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -72.1% | -56.8% |
| % Gain to Breakeven | 258.9% | 131.3% |
| Time to Breakeven | 947 days | 1,480 days |
Compare to AX, ALLY, SOFI, LOB, CUBI
In The Past
First Internet Bancorp's stock fell -81.5% during the 2022 Inflation Shock from a high on 1/13/2022. A -81.5% loss requires a 441.0% gain to breakeven.
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About First Internet Bancorp (INBK)
First Internet Bancorp operates as the bank holding company for First Internet Bank of Indiana that provides commercial and retail banking products and services to individuals and commercial customers in the United States. The company accepts non-interest bearing and interest-bearing demand deposit, savings, money market, and brokered deposit accounts, as well as certificates of deposit. It also offers commercial and industrial, owner-occupied and investor commercial real estate, construction, residential mortgage, home equity and improvement, small installment, term, and other consumer loans, as well as single tenant lease financing, and public and healthcare finance; franchise finance; and small business lending. In addition, the company is involved in the purchase, manage, service, and safekeeping of municipal securities; and provision of municipal finance lending and leasing products to government entities. In addition, it offers corporate credit card and treasury management services. The company provides its services through its firstib.com Website. First Internet Bancorp was founded in 1999 and is headquartered in Fishers, Indiana.
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- Like Ally Bank, but for businesses and consumers seeking full-service online banking.
- The internet-only equivalent of a traditional, full-service bank.
- A bank that operates entirely in the cloud, offering a complete range of commercial and consumer financial services.
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- Deposit Accounts: Provides various accounts for individuals and businesses to save and manage their money, including checking, savings, money market, and certificates of deposit.
- Commercial Lending: Offers financing solutions for businesses, encompassing commercial real estate, commercial and industrial, and specialty lending programs.
- Consumer Lending: Provides mortgage and other personal lending products for individuals to finance homes or personal needs.
- Treasury Management Services: Delivers cash management tools designed for businesses to optimize their financial operations and liquidity.
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First Internet Bancorp (INBK)
First Internet Bancorp (INBK) primarily serves a diverse customer base, making it more appropriate to describe categories of customers rather than specific major customer companies. Its services cater to both individuals and various types of organizations. The major categories of customers served are:
- Individuals (Retail Banking Customers): This category includes individual consumers who utilize the bank's services for personal financial needs such as checking and savings accounts, money market accounts, certificates of deposit (CDs), health savings accounts (HSAs), mortgages, home equity lines of credit (HELOCs), personal loans, auto loans, and credit cards.
- Businesses (Commercial Banking Customers): This category encompasses a wide range of businesses, from small enterprises to larger corporations. They leverage First Internet Bank for business checking and savings accounts, treasury management services, commercial real estate loans, commercial and industrial (C&I) loans, and business credit cards.
- Public Finance/Government Entities: First Internet Bancorp has a significant focus on public finance. This customer segment includes state and local government entities, municipalities, and other public bodies seeking financing solutions, such as tax-exempt loans for various public projects and initiatives.
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- Jack Henry & Associates, Inc. (JKHY)
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- Fidelity National Information Services, Inc. (FIS)
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David B. Becker, Chairman and Chief Executive Officer
Mr. Becker is the founder, Chairman, and CEO of First Internet Bancorp, establishing First Internet Bank more than 25 years ago as the first state-chartered, FDIC-insured institution to operate entirely online. He has a 40-year career of creating successful entrepreneurial companies in financial services technology ("fintech") and software-as-a-service ("SaaS"), having founded and sold five Inc. 500 companies.
Kenneth J. Lovik, Executive Vice President and Chief Financial Officer
Mr. Lovik joined First Internet Bank in August 2014. Prior to his current role, he served as Senior Vice President, Investor Relations and Corporate Development for First Financial Bancorp, a publicly traded bank holding company. Earlier in his career, Mr. Lovik worked as an investment banker at firms including Milestone Advisors, LLC, Howe Barnes Hoefer & Arnett, Inc., and A.G. Edwards & Sons, Inc., where he advised financial institutions. He also worked at the public accounting firm Price Waterhouse, LLP.
Nicole S. Lorch, President and Chief Operating Officer
Ms. Lorch was appointed President of First Internet Bank in July 2021 and has held the title of Chief Operating Officer since January 2017. She joined First Internet Bank in February 1999 as Director of Marketing, one week before the Bank opened to the public. She has held various leadership roles in relationship banking, marketing, and technology during her tenure.
Craig Fortner, Senior Vice President, Chief Information Officer
Mr. Fortner joined First Internet Bank in 2016 as Vice President of Information Technology and was promoted to Senior Vice President, Chief Information Officer in 2021. He previously held leadership positions with Bank of America and Merrill Lynch.
Anne Sharkey, Senior Vice President, Chief Risk Officer
Ms. Sharkey joined First Internet Bank in December 2015, bringing over 25 years of experience in loan and deposit operations. She previously held senior management roles with LendKey Technologies, Remittance Processing Services, and Irwin Union Bank.
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The key risks for First Internet Bancorp (INBK) primarily revolve around its asset quality, sensitivity to interest rate fluctuations, and the competitive landscape of digital banking.
- Asset Quality and Credit Challenges: First Internet Bancorp has recently experienced a deterioration in its asset quality, evidenced by an increase in non-performing assets to total assets and a rise in net charge-offs to average loans. The company reported a significant net loss in the third quarter of 2025, driven by a strategic balance sheet restructuring that included the sale of a large portfolio of loans and substantial loan loss provisions, particularly related to small business and franchise finance loans. The allowance for credit losses to total loans also increased significantly. These metrics suggest ongoing credit challenges.
- Rising Interest Rates and Net Interest Margin Compression: The company faces a significant risk from rising interest rates, which can lead to higher costs for deposits, especially since a portion of its funding comes from certificates of deposit (CDs) and its customer base may include many rate-sensitive depositors. This environment has already led to an increase in the cost of interest-bearing deposits and a notable compression of its net interest margin, impacting profitability.
- Intense Competition and Reliance on an Online-Only Platform: As a digital-first bank, First Internet Bancorp operates in a highly competitive environment. Its business model, which relies on an online-only platform and has a potentially limited geographic reach, could constrain customer growth and revenue generation when compared to larger competitors with greater financial resources and broader service offerings. The heating competition among digital banks further intensifies this risk.
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The clear emerging threats for First Internet Bancorp (INBK) stem primarily from the evolving competitive landscape that is eroding its historical competitive advantage as an early and pure-play online bank:
- Intensified Competition from Traditional Banks with Enhanced Digital Offerings: Many large, well-established traditional banks have significantly invested in and improved their digital banking platforms, mobile applications, and online services. This development neutralizes First Internet Bancorp's long-standing differentiator, as these incumbents can now offer comparable or even superior digital experiences while leveraging their extensive brand recognition, broader product suites (e.g., wealth management, commercial banking), and vast existing customer bases. This makes it increasingly difficult for INBK to attract and retain customers based solely on its digital-first model.
- Proliferation of Neobanks and Specialized Fintechs: A new wave of agile, technology-driven neobanks and specialized financial technology companies are continually entering the market. These entrants often focus on specific customer segments, offer highly innovative user experiences, or provide niche financial products with competitive pricing or unique features (e.g., early direct deposit, integrated budgeting tools, crypto offerings). This fragments the digital banking market further and intensifies competition, potentially attracting customers away from First Internet Bancorp through highly tailored offerings or cutting-edge digital engagement that may appeal to specific demographics or financial needs.
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First Internet Bancorp (INBK) operates as a branchless institution, offering a range of consumer, small business, and commercial banking products and services. The addressable markets for its main products and services can be broadly categorized into digital banking, commercial lending, and specialty finance. The estimated market sizes for these key areas are as follows:- Digital Banking: The U.S. Digital Banking Market is valued at an estimated USD 235.94 billion in 2024, with projections to reach USD 541.32 billion by 2035, growing at a compound annual growth rate (CAGR) of 7.84% from 2025 to 2035. Globally, the e-banking market size is estimated at USD 9.98 trillion in 2025 and is forecasted to reach approximately USD 15.59 trillion by 2034, accelerating at a CAGR of 5.08% from 2025 to 2034.
- Commercial Lending: The global commercial lending market was valued at USD 14.15 trillion in 2023, is projected to reach USD 16.44 trillion in 2024, and is expected to expand to USD 30.09 trillion by 2028, at a compound annual growth rate (CAGR) of 16.3%. This market encompasses commercial real estate loans, construction loans, and commercial and industrial loans offered by First Internet Bancorp.
- Specialty Finance: The asset-based finance market, often referred to as specialty finance, is estimated at USD 6.3 trillion and is anticipated to grow to nearly USD 10 trillion by 2028. Other estimates indicate that specialty finance markets have grown to an estimated USD 2.5 trillion and are expected to more than double again to reach an estimated market size of approximately USD 7 trillion by 2028, with growth primarily in the asset-based finance sector. First Internet Bancorp provides SBA financing, franchise finance, consumer loans, and other specialty finance services within this market.
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First Internet Bancorp (INBK) is expected to drive future revenue growth over the next two to three years through several key strategies:- Continued Net Interest Income (NII) and Net Interest Margin (NIM) Expansion: The company has demonstrated eight consecutive quarters of net interest income growth and consistent net interest margin expansion. This growth is attributed to higher yields on earning assets and lower deposit costs. First Internet Bancorp projects a full-year net interest income increase of over 40% and anticipates its net interest margin to reach 2.35-2.45% by the fourth quarter of 2025.
- Growth in SBA and Banking as a Service (BaaS) Businesses: First Internet Bancorp's SBA and Banking as a Service (BaaS) segments are significant contributors to noninterest income growth. The revenue from fintech initiatives saw a substantial increase of 14% compared to the second quarter and an impressive 130% from the third quarter of 2024.
- Strategic Loan Portfolio Growth: Excluding the impact of a significant loan sale, First Internet Bancorp reported an increase in loan balances by $104.7 million, or 2.4%, in the third quarter of 2025, with commercial loan balances rising by $115 million, or 3.2%. The company anticipates a 10-12% loan growth for the year and noted robust loan pipelines, positioning it for continued earnings growth.
- Expansion through FinTech Partnerships and Deposit Growth: FinTech partnerships have been instrumental in driving a 37% increase in total deposits, and significant growth in fintech deposits has helped maintain strong balance sheet liquidity. This influx of deposits provides a stable funding source for lending activities, supporting overall revenue expansion.
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Share Repurchases
- First Internet Bancorp made approximately $41.7 million in share repurchases between the fourth quarter of 2021 and the first quarter of 2024.
- On October 20, 2025, the Board of Directors authorized a new share buyback plan for $25 million worth of shares.
Share Issuance
- From 2020 to 2025, the company's shares outstanding experienced a net decrease, indicating no significant share issuances during this period.
Outbound Investments
- In September 2025, First Internet Bancorp entered into an agreement to sell up to $869 million of performing single tenant lease financing loans to vehicles affiliated with Blackstone Real Estate Debt Strategies.
- This transaction is a strategic initiative aimed at strengthening the company's capital position, accelerating operating performance towards a near-term target of 1.00% return on average assets, and significantly enhancing its net interest margin.
Capital Expenditures
- The company consistently focuses on investing in its personnel and technology to maintain relevance and adapt to the changing financial landscape.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| First Internet Bancorp Stock Dropped 13% - Have You Assessed the Risk | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 40.67 |
| Mkt Cap | 3.9 |
| Rev LTM | 1,021 |
| Op Inc LTM | - |
| FCF LTM | 173 |
| FCF 3Y Avg | 170 |
| CFO LTM | 493 |
| CFO 3Y Avg | 231 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 5.0% |
| Rev Chg 3Y Avg | 5.2% |
| Rev Chg Q | 19.1% |
| QoQ Delta Rev Chg LTM | 4.7% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 41.5% |
| CFO/Rev 3Y Avg | 22.4% |
| FCF/Rev LTM | 14.4% |
| FCF/Rev 3Y Avg | 8.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 3.9 |
| P/S | 3.4 |
| P/EBIT | - |
| P/E | 16.7 |
| P/CFO | 3.4 |
| Total Yield | 5.8% |
| Dividend Yield | 0.1% |
| FCF Yield 3Y Avg | 3.6% |
| D/E | 0.4 |
| Net D/E | -0.8 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -4.3% |
| 3M Rtn | 13.1% |
| 6M Rtn | 8.5% |
| 12M Rtn | 20.5% |
| 3Y Rtn | 70.3% |
| 1M Excs Rtn | -2.3% |
| 3M Excs Rtn | 12.4% |
| 6M Excs Rtn | 2.1% |
| 12M Excs Rtn | 10.5% |
| 3Y Excs Rtn | 0.4% |
Price Behavior
Price Behavior
| Market Price | $21.09 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 04/05/2006 | |
| Distance from 52W High | -35.1% | |
| 50 Days | 200 Days | |
| DMA Price | $21.41 | $22.51 |
| DMA Trend | down | up |
| Distance from DMA | -1.5% | -6.3% |
| 3M | 1YR | |
| Volatility | 47.6% | 52.5% |
| Downside Capture | -30.90 | 93.78 |
| Upside Capture | 62.12 | 37.70 |
| Correlation (SPY) | 10.1% | 39.6% |
INBK Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 2.01 | 0.77 | 0.28 | 0.62 | 1.07 | 1.29 |
| Up Beta | 10.71 | 7.13 | 2.30 | 2.85 | 1.18 | 1.37 |
| Down Beta | 0.83 | 0.31 | -0.11 | 0.84 | 1.44 | 1.33 |
| Up Capture | 107% | 31% | 58% | -10% | 27% | 109% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 9 | 18 | 29 | 57 | 114 | 357 |
| Down Capture | 32% | -100% | -77% | -31% | 95% | 107% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 10 | 21 | 30 | 66 | 135 | 391 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with INBK | |
|---|---|---|---|---|
| INBK | -33.7% | 52.3% | -0.59 | - |
| Sector ETF (XLF) | 1.6% | 19.3% | -0.04 | 48.3% |
| Equity (SPY) | 14.0% | 19.4% | 0.55 | 39.9% |
| Gold (GLD) | 74.3% | 25.3% | 2.17 | -7.4% |
| Commodities (DBC) | 7.0% | 16.7% | 0.24 | 3.9% |
| Real Estate (VNQ) | 7.9% | 16.6% | 0.28 | 40.2% |
| Bitcoin (BTCUSD) | -29.8% | 44.9% | -0.65 | 21.6% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with INBK | |
|---|---|---|---|---|
| INBK | -8.2% | 49.0% | 0.00 | - |
| Sector ETF (XLF) | 12.4% | 18.7% | 0.54 | 53.5% |
| Equity (SPY) | 13.3% | 17.0% | 0.62 | 38.7% |
| Gold (GLD) | 22.1% | 17.0% | 1.06 | -2.4% |
| Commodities (DBC) | 10.5% | 18.9% | 0.44 | 3.4% |
| Real Estate (VNQ) | 5.2% | 18.8% | 0.18 | 37.7% |
| Bitcoin (BTCUSD) | 8.3% | 57.2% | 0.37 | 15.5% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with INBK | |
|---|---|---|---|---|
| INBK | -1.2% | 47.9% | 0.16 | - |
| Sector ETF (XLF) | 13.8% | 22.2% | 0.57 | 59.4% |
| Equity (SPY) | 15.6% | 17.9% | 0.75 | 46.8% |
| Gold (GLD) | 15.3% | 15.6% | 0.82 | -4.9% |
| Commodities (DBC) | 8.1% | 17.6% | 0.38 | 13.5% |
| Real Estate (VNQ) | 6.4% | 20.7% | 0.27 | 43.2% |
| Bitcoin (BTCUSD) | 67.9% | 66.7% | 1.07 | 12.6% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/29/2026 | |||
| 10/22/2025 | -9.7% | -19.8% | -14.7% |
| 7/23/2025 | -11.8% | -18.7% | -14.4% |
| 4/23/2025 | -20.8% | -17.3% | -7.8% |
| 1/22/2025 | -5.6% | -5.2% | -13.8% |
| 10/23/2024 | -4.3% | -2.7% | 11.6% |
| 7/24/2024 | -0.5% | 2.7% | -6.5% |
| 4/24/2024 | -7.7% | -6.5% | -7.8% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 10 | 11 | 10 |
| # Negative | 14 | 13 | 14 |
| Median Positive | 5.7% | 7.8% | 14.1% |
| Median Negative | -5.6% | -11.0% | -7.8% |
| Max Positive | 15.0% | 26.0% | 48.0% |
| Max Negative | -20.8% | -23.6% | -19.7% |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Lorch, Nicole S | President & COO | Direct | Buy | 11182025 | 17.96 | 2,000 | 35,920 | 1,260,900 | Form |
| 2 | Dee, Ann C | Direct | Buy | 11032025 | 17.94 | 1,110 | 19,913 | 306,236 | Form | |
| 3 | Keach, John K Jr | Direct | Buy | 10302025 | 19.34 | 2,000 | 38,680 | 716,470 | Form | |
| 4 | Becker, David B | Chairman and CEO | Direct | Buy | 10302025 | 18.67 | 5,000 | 93,350 | 7,826,352 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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