First Internet Bancorp - Fixed- (INBKZ)

NASDAQ

$25.34

-0.03 (-0.12%)

Last updated: Nov 05, 2026 at 4:00 PM ET

Earnings

Last 12 of 19 reported quarters

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2021Jun 21 Reported Sep 30, 2021Reported Sep 30	$1.21	$0.00	-	N/A	Beat	-	-	+40.7%
Mar 31, 2021Mar 21 Reported Jun 29, 2021Reported Jun 29	$1.31	$0.00	-	N/A	Beat	-	-	+227.5%
Dec 31, 2020Dec 20 Reported Mar 30, 2021Reported Mar 30	$1.05	$0.00	-	N/A	Beat	-	-	+69.6%
Sep 30, 2020Sep 20 Reported Dec 31, 2020Reported Dec 31	$1.11	$0.00	-	N/A	Beat	-	-	+54.5%
Jun 30, 2020Jun 20 Reported Sep 30, 2020Reported Sep 30	$0.86	$0.00	-	N/A	Beat	-	-	+36.5%
Mar 31, 2020Mar 20 Reported Jun 29, 2020Reported Jun 29	$0.40	$0.00	-	N/A	Beat	-	-	-33.3%
Dec 31, 2019Dec 19 Reported Mar 30, 2020Reported Mar 30	$0.62	$0.00	-	N/A	Beat	-	-	+11.0%
Sep 30, 2019Sep 19 Reported Dec 31, 2019Reported Dec 31	$0.72	$0.00	-	N/A	Beat	-	-	+108.7%
Jun 30, 2019Jun 19 Reported Sep 30, 2019Reported Sep 30	$0.63	$0.00	-	N/A	Beat	-	-	+3.3%
Mar 31, 2019Mar 19 Reported Jun 29, 2019Reported Jun 29	$0.60	$0.00	-	N/A	Beat	-	-	-10.4%
Dec 31, 2018Dec 18 Reported Mar 30, 2019Reported Mar 30	$0.56	$0.00	-	N/A	Beat	-	-	-21.4%
Sep 30, 2018Sep 18 Reported Dec 31, 2018Reported Dec 31	$0.35	$0.00	-	N/A	Beat	-	-	-16.1%

Dividends

Last ex-dividend: Aug 14, 2026

Dividend Metrics

Forward Yield8.00%

Forward Annual Dividend$2.03

Payout Ratio119.33%

Pay MonthsFeb, Jun, Sep, Nov, Dec

Growth

3Y CAGR+12.78%

5Y CAGR+7.48%

INBKZ dividend history and ex-dividend dates Run INBKZ in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	N/A	EV/EBITDA	29.52x
Price/FCF	1.46x	FCF Yield	68.42%
Profitability
Profit Margin	0.00%	Operating Margin	0.00%
ROE	0.00%	ROIC	-6.37%
Financial Health
Debt/Equity	1.02x	Interest Coverage	0.13x
Current Ratio	N/A	Quick Ratio	N/A
Trading Statistics
Beta	N/A	Avg Volume	1.18K
52-Week High	$25.52	52-Week Low	$22.52

Technical Indicators Dashboard

Moving Averages

SMA 10$25.29

SMA 20$25.28

SMA 50$25.23

SMA 200$24.49

EMA 10$25.30

EMA 20$25.28

EMA 50$25.20

EMA 200$24.57

MACD

Line: 0.03Signal: 0.03Hist: 0.00

ADX

ADX: 15.4+DI: 31.2-DI: 31.4

Aroon & PSAR

Aroon Up96.0

Aroon Down4.0

PSAR$25.06

Bollinger Bands

Upper Band$25.38

Lower Band$25.19

%B Position76%(Middle)

Band Width0.81

RSI (14-Day)

Neutral

57.3

Momentum Oscillators

Stoch %K93.3

Stoch %D90.2

Williams %R-12.5

ROC (10d)0.2%

Momentum0.04

CCI (20d)134.9

MFI (14d)49.3

Volatility Measures

ATR (14d)$0.07(0.3%)

StdDev (20d)0.05

Hist Vol3.9%(Low)

Volume Flow

VWAP$25.34

OBV-117.6K

AD Line-251291879930.4B

CMF (20d)0.108

Volume Metrics

Avg Vol (20d)0.8K

Vol Ratio0.4x(Low)

VWMA (20d)$25.28

Pivot Points

R3$25.46

R2$25.42

R1$25.39

Pivot Point$25.35

S1$25.32

S2$25.28

S3$25.25

Advanced Oscillators

TSI9.52

Ultimate Osc67.0

KST2.70

Financial Data

Quarter	Sep 2026	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023
Total Revenue	$89.23M	$85.32M	$87.33M	$89.43M	$57.89M	$84.94M	$85.75M	$92.37M	$85.52M	$80.40M	$75.13M	$72.33M
Cost of Revenue	$56.92M	$57.61M	$60.52M	$59.72M	$88.83M	$66.52M	$63.69M	$61.47M	$56.64M	$53.67M	$49.94M	$50.09M
Gross Profit	$32.31M	$27.71M	$26.81M	$29.71M	$-30,934,000	$18.42M	$22.06M	$30.91M	$28.88M	$26.73M	$25.19M	$22.24M

Operating Expenses	$27.26M	$26.12M	$25.03M	$24.21M	$23.61M	$20.28M	$22.02M	$22.58M	$21.27M	$20.74M	$19.58M	$18.68M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$960,000	$1.37M	$1.08M	$16.37M	$15.97M	$12.43M	$14.51M	$15.51M	$14.68M	$13.63M	$12.94M	$10.51M
Operating Income	$5.05M	$1.59M	$1.78M	$5.50M	$-54,543,000	$-1,861,000	$34,000	$8.33M	$7.61M	$5.99M	$5.61M	$3.56M

Interest Income	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Interest Expense	$45.29M	$44.20M	$44.21M	$47.73M	$54.04M	$52.90M	$51.73M	$54.22M	$53.23M	$49.63M	$47.43M	$46.47M
Income Before Tax	$5.05M	$1.59M	$1.78M	$5.50M	$-54,543,000	$-1,861,000	$34,000	$8.33M	$7.61M	$5.99M	$5.61M	$3.56M
Income Tax Expense	$236,000	$-780,000	$-725,000	$213,000	$-12,950,000	$-2,054,000	$-909,000	$999,000	$620,000	$218,000	$429,000	$-585,000

Net Income	$4.82M	$2.37M	$2.51M	$5.29M	$-41,593,000	$193,000	$943,000	$7.33M	$6.99M	$5.78M	$5.18M	$4.14M

EBITDA	$5.05M	$3.61M	$4.49M	$6.46M	$-52,295,000	$51,000	$1.10M	$10.76M	$9.79M	$7.97M	$7.48M	$6.29M
EBIT	N/A	$1.59M	$1.78M	$5.50M	$-54,543,000	$-1,861,000	$34,000	$8.33M	$7.61M	$5.99M	$5.61M	$3.56M

* Some calculated fields are derived from available data when not provided by source

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News

First Internet Bancorp to Participate in the 2026 Hovde Group Financial Services Conference

First Internet Bancorp (Nasdaq: INBK) announced its participation in the 2026 Hovde Group Financial Services Conference in Orlando, Florida, from November 4-6...

01net•Nov 2, 2026 7:09 PM ET11/2/26•Somewhat-Bullish

First Internet Bancorp Price Target Raised to $29.00/Share From $27.00 by Keefe, Bruyette & Woods

Keefe, Bruyette & Woods has increased its price target for First Internet Bancorp (INBK) to $29.00 per share, up from $27.00. The article also briefly mentions Unity Software's (U.US) Q4 financial results...

Moomoo•Oct 31, 2026 10:40 PM ET10/31/26•Somewhat-Bullish

First Internet Bancorp (INBK) Stock Cools Despite Stronger Q3 Earnings

First Internet Bancorp (INBK) reported strong Q3 2026 earnings with record total revenue and net interest income...

Simply Wall St•Oct 31, 2026 12:30 AM ET10/31/26•Neutral

First Internet Bancorp (INBK) Q3 2026 Earnings Call Transcript

First Internet Bancorp (INBK) reported record revenue and its fourth consecutive quarter of net interest margin expansion in Q3 2026...

The Globe and Mail•Oct 30, 2026 11:56 AM ET10/30/26•Neutral

Earnings call transcript: First Internet Bancorp misses Q3 2026 EPS view

First Internet Bancorp (INBK) reported Q3 2026 adjusted earnings of $0.57 per share, missing analyst estimates of $0.76...

Investing.com•Oct 30, 2026 8:41 AM ET10/30/26•Somewhat-Bearish

INBKZ Valuation and Fair Value

EV/EBITDA: 29.5x
P/FCF: 1.5x
P/B: 0.6x

See GNG's fair value

INBKZ Profitability: Margins, ROIC and FCF

Gross margin: 33.2%
Operating margin: 0.0%
Net margin: 0.0%
ROIC: -6.4%
ROE: 0.0%
FCF margin: 43.3%
FCF yield: 68.4%

INBKZ Competitors

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AlphaTON Capital Corp.	ATON
NewtekOne, Inc. 8.00% Fixed Rate Senior Notes due 2028	NEWTI
B. Riley Financial Inc. 5.25% Senior Notes due 2028	RILYZ

INBKZ Bull Case vs Bear Case

Bull case

INBKZ converts 43.3% of revenue into free cash flow.
INBKZ beat EPS estimates in 100.0% of its last 8 reported quarters.

INBKZ Earnings: Beat Rate and Next Report

Beat rate: 8 of 8 quarters (100.0%)

INBKZ Dividend

Forward yield: 8.0%
Payout ratio: 119.3%
3Y DPS growth: 12.8%
5Y DPS growth: 7.5%
Pay months: Feb, Jun, Sep, Nov, Dec

INBKZ dividend history

See insider activity

Frequently Asked Questions About INBKZ

When is INBKZ's next ex-dividend date?

INBKZ has not declared its next regular ex-dividend date yet. Its last ex-dividend date was Aug 14, 2026 ($0.5067 per share). Over the last 12 months, INBKZ went ex-dividend in Feb, May, Aug and Nov.

What is INBKZ's current dividend yield?

First Internet Bancorp - Fixed- (INBKZ) has a forward dividend yield of 8.00%.

Does INBKZ pay dividends?

Yes, First Internet Bancorp - Fixed- pays dividends with a forward dividend yield of 8.00%.

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