What is First Internet Bancorp's (INBK) StockRank?

MoatMap's StockRank for First Internet Bancorp (INBK) is 35/100, with a Hold signal. This is a composite score combining Quality (20), Value (41), and Momentum (66) factor ranks across MoatMap's 20,000+ stock universe.

Does First Internet Bancorp have an economic moat?

First Internet Bancorp (INBK) has a Quality factor score of 20/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is First Internet Bancorp a buy, hold, or sell?

MoatMap's current signal for First Internet Bancorp (INBK) is Hold, based on a StockRank of 35/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is First Internet Bancorp in?

First Internet Bancorp (INBK) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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INBK

HOLD

First Internet Bancorp · Financial Services · United States · $231M · Avg Vol: $1M/d

StockRank

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P/E (TTM)

—

ROE

-9.0%

D/E

1.0x

Dividend %

0.9%

COMPANY DESCRIPTION

First Internet Bancorp is the holding company for First Internet Bank, an FDIC-insured, full-service bank operating exclusively online across the United States. The company leverages its branchless digital model to offer a comprehensive range of banking products and services to consumers and businesses with greater efficiency and convenience. This digital-first approach positions First Internet Bancorp as a competitive player in the evolving financial services landscape.

FINANCIAL SUMMARY (USD)

Year	2021	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	—	113.9M	95.3M	128.9M	109.8M	-1.2%	47.4M	136.0M	155.8M	19.1%
EPS	4.85	3.73	0.95	2.91	-4.03	-15.7%	-3.81	—	—	—
Shares	—	9.1M	8.6M	8.7M	8.7M	-4.2%	8.7M	—	—	—
Debt	—	719.5M	719.8M	400.1M	355.0M	-21.0%	345.2M	—	—	—
Equity	—	365.0M	362.8M	384.1M	359.8M	-0.5%	—	—	—	—
Op CF	—	82.7M	11.7M	13.0M	3.4M	-65.3%	46.2M	—	—	—
Inv CF	—	-601.0M	-474.5M	-496.2M	128.7M	—	—	—	—	—
Fin CF	—	331.9M	612.2M	543.7M	-141.8M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+1.1%

SMA 50SMA 200

$26.46

RSI (14)

43.4

52W High

$28.88

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

-0.6%*9.8

ROE

-9.0%5.3

GP/Assets

0.9%N/A

Op. Margin

12.2%31.1

FCF/Assets

0.8%N/A

Piotroski

320.3

Int. Cover

—50.0

D/E Ratio

0.99xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

—N/A

EV/EBITDA

bankN/A

P/FCF

5.1xN/A

P/B

0.6x87.2

P/S

4.9x37.6

Div Yield

0.9%6.6

Momentum

52W High %

92%45.8

RS 6M

10%75.8

SMA 50/200

1.16x89.0

EPS Rev 4W

-1.8%26.5

EPS Rev 12W

-0.4%47.6

EPS Improve

+222%93.0

Q Growth

166%89.0

FUNDAMENTALS

Market Cap

$231M

P/E (Forward)

5.7x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of INBK are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
INBK	First Internet Bancorp(you)	$231M	35	HOLD
ISBA	Isabella Bank Corporation	$265M	33	SELL
FINW	FinWise Bancorp	$209M	31	SELL
CZWI	Citizens Community Bancorp, Inc.	$227M	44	HOLD
FBLA	FB Bancorp, Inc.	$251M	45	HOLD
AVBH	Avidbank Holdings, Inc.	$349M	39	HOLD
FCBM	First Carolina Financial Services, Inc.	$383M	33	SELL
CBFV	CB Financial Services, Inc.	$182M	44	HOLD
FNWB	First Northwest Bancorp	$114M	36	HOLD
BSBK	Bogota Financial Corp.	$116M	37	HOLD

Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%

Price	$26.46
Market Cap	$231M
P/E (Forward)	5.72
Price/Book	0.64
Return on Equity	-9.0%
Debt/Equity	0.99x
Operating Margin	12.2%
Revenue Growth	13.7%
Dividend Yield	0.9%
Free Cash Flow	$45M