Stock INBK FIRST INTERNET BANCORP
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PDF Report : First Internet Bancorp

Financials First Internet Bancorp

Equities

INBK

US3205571017

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2023-12-07 pm EST 		Intraday chart for First Internet Bancorp 5-day change 1st Jan Change
22.4 USD +1.63% +2.10% -7.74%
Oct. 30 Piper Sandler Trims First Internet Bancorp's Price Target to $18 From $19, Keeps Neutral Rating MT
Oct. 27 Craig-Hallum Cuts Price Target on First Internet Bancorp to $19 From $22, Maintains Hold Rating MT

Valuation

Fiscal Period : December 2018 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 208 231 282 464 224 191 - -
Enterprise Value (EV) 1 208 231 282 464 224 191 191 191
P/E ratio 8,89x 9,45x 9,61x 9,76x 6,56x 26,6x 9,50x 6,37x
Yield 1,17% 1,01% 0,84% 0,51% 0,99% 1,07% 1,07% 1,07%
Capitalization / Revenue 3,34x 3,67x 4,00x 4,99x 2,26x 2,48x 2,18x 1,82x
EV / Revenue 3,34x 3,67x 4,00x 4,99x 2,26x 2,48x 2,18x 1,82x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0,72x 0,76x 0,85x 1,21x 0,60x 0,56x 0,52x 0,48x
Nbr of stocks (in thousands) 10 182 9 742 9 801 9 854 9 240 8 644 - -
Reference price 2 20,4 23,7 28,7 47,0 24,3 22,4 22,4 22,4
Announcement Date 1/23/19 1/22/20 1/20/21 1/19/22 1/25/23 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period : December 2018 2019 2020 2021 2022 2023 2024 2025
Net sales 1 62,3 63,0 70,3 92,8 99,4 76,9 87,4 105
EBITDA - - - - - - - -
EBIT 1 35,3 39,5 49,0 56,5 47,2 27,5 37,1 52,1
Operating Margin 56,7% 62,7% 69,7% 60,9% 47,4% 35,8% 42,4% 49,7%
Earnings before Tax (EBT) 1 24,0 27,2 33,9 56,6 40,1 6,95 25,6 40,7
Net income 1 21,9 25,2 29,5 48,1 35,5 7,30 20,4 30,2
Net margin 35,2% 40,1% 41,9% 51,8% 35,7% 9,49% 23,3% 28,8%
EPS 2 2,30 2,51 2,99 4,82 3,70 0,84 2,36 3,52
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 0,24 0,24 0,24 0,24 0,24 0,24 0,24 0,24
Announcement Date 1/23/19 1/22/20 1/20/21 1/19/22 1/25/23 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period : December 2021 Q2 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 1 23,0 23,1 24,9 27,1 27,1 25,3 23,1 21,0 19,5 18,6 18,8 20,2 21,5 23,2 24,3
EBITDA - - - - - - - - - - - - - - -
EBIT 1 13,0 15,1 14,9 14,8 12,9 10,4 8,96 11,8 5,35 5,03 5,77 6,83 8,47 10,4 11,3
Operating Margin 56,4% 65,4% 59,9% 54,8% 47,8% 41,3% 38,9% 56,1% 27,4% 27,0% 30,6% 33,8% 39,4% 45,0% 46,6%
Earnings before Tax (EBT) 1 15,5 14,3 14,5 13,0 10,8 9,42 6,85 -3,14 3,65 3,08 3,76 4,72 6,28 7,57 7,80
Net income 1 13,1 12,1 12,5 11,2 9,55 8,44 6,35 -1,31 3,88 3,41 2,68 3,18 4,49 6,05 6,48
Net margin 56,9% 52,4% 50,2% 41,4% 35,3% 33,4% 27,5% -6,23% 19,9% 18,3% 14,3% 15,8% 20,9% 26,1% 26,7%
EPS 2 1,31 1,21 1,25 1,14 0,99 0,89 0,68 -0,14 0,44 0,39 0,31 0,37 0,52 0,71 0,76
Dividend per Share 2 0,06 0,06 0,06 0,06 0,06 0,06 0,06 0,06 0,06 0,06 0,06 0,06 0,06 0,06 0,06
Announcement Date 7/21/21 10/20/21 1/19/22 4/20/22 7/20/22 10/19/22 1/25/23 4/26/23 7/26/23 10/25/23 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period : December 2018 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 9,18% 8,52% 9,39% 13,4% 9,53% 2,49% 5,71% 7,95%
Shareholders' equity 1 239 296 314 358 373 293 357 380
ROA (Net income/ Total Assets) 0,78% 0,65% 0,69% 1,14% 0,85% 0,16% 0,37% 0,56%
Assets 1 2 808 3 883 4 269 4 221 4 181 4 494 5 503 5 399
Book Value Per Share 2 28,4 31,3 33,8 39,0 40,3 40,3 43,0 46,4
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 1/23/19 1/22/20 1/20/21 1/19/22 1/25/23 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for First Internet Bancorp

Trading Rating :
Investor Rating :
ESG Refinitiv :
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
5
Last Close Price
22.4USD
Average target price
21.3USD
Spread / Average Target
-4.91%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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