Financials First Internet Bancorp

Equities

INBK

US3205571017

Banks

Market Closed - Nasdaq Other stock markets 04:00:00 2026-02-12 pm EST			5-day change	1st Jan Change
20.91 ^USD	+1.06%		-2.11%	+0.19%

Jan. 29	First Internet Bancorp, Q4 2025 Earnings Call, Jan 29, 2026
Jan. 29	Tranche Update on First Internet Bancorp's Equity Buyback Plan announced on October 22, 2025.	CI

Projected Income Statement: First Internet Bancorp

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	70.34	92.82	99.44	80.14	92.03	118.4	155	176.9
Change	-	31.96%	7.13%	-19.41%	14.84%	28.66%	30.86%	14.15%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	49.02	56.53	47.17	31.49	44.61	59.68	79.37	94.9
Change	-	15.32%	-16.55%	-33.23%	41.65%	33.77%	32.99%	19.57%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	33.9	56.57	40.1	4.94	27.54	-50.87	23.17	49.66
Change	-	66.89%	-29.12%	-87.68%	457.53%	-284.7%	145.55%	114.32%
Net income ¹	29.45	48.11	35.54	8.417	25.28	-35.17	19.14	40.73
Change	-	63.36%	-26.13%	-76.32%	200.3%	-239.14%	154.41%	112.83%
Announcement Date	1/20/21	1/19/22	1/25/23	1/24/24	1/22/25	1/29/26	-	-

¹USD in Million

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	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	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	20.26	21.88	23	23.08	24.85	27.06	27.06	25.27	23.05	20.96	19.49	18.64	21.04	21.92	22.5	22.9	24.7	26.26	29.15	31.51	31.48	34.38	37.58	40.52	42.45	43.3	44.03	45.33
Change	-	7.97%	5.12%	0.37%	7.66%	8.9%	-0.03%	-6.59%	-8.79%	-9.09%	-6.99%	-4.36%	12.88%	4.18%	2.64%	1.76%	7.88%	6.32%	10.97%	8.11%	-0.09%	9.19%	9.31%	7.85%	4.75%	2%	1.69%	2.95%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	18.41	13.58	12.97	15.09	14.88	14.84	12.93	10.44	8.963	11.76	5.346	5.029	7.152	8.058	10.02	11	15.53	11.97	11.75	18.07	17.9	18.73	18.57	20.2	21.83	23.73	22.73	23.5
Change	-	-26.22%	-4.51%	16.34%	-1.38%	-0.32%	-12.83%	-19.27%	-14.15%	31.16%	-54.53%	-5.93%	42.22%	12.67%	24.4%	9.74%	41.18%	-22.94%	-1.84%	53.82%	-0.95%	4.67%	-0.89%	8.8%	8.09%	8.7%	-4.21%	3.37%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	14.14	12.31	15.47	14.31	14.48	13	10.82	9.423	6.854	-3.138	3.648	3.083	3.558	5.61	5.993	7.61	8.329	0.034	-1.861	-54.54	5.502	0.3092	3.393	8.748	10.69	13.65	12.01	12.49
Change	-	-12.99%	25.73%	-7.52%	1.2%	-10.24%	-16.73%	-12.94%	-27.26%	-145.78%	216.25%	-15.49%	15.41%	57.67%	6.83%	26.98%	9.45%	-99.59%	-5,573.53%	-2,830.84%	110.09%	-94.38%	997.17%	157.84%	22.23%	27.63%	-12.01%	4.02%
Net income ¹	11.09	10.45	13.1	12.09	12.48	11.21	9.545	8.436	6.351	-1.305	3.882	3.409	4.143	5.181	5.775	6.99	7.33	0.943	0.193	-41.59	5.289	0.0708	2.587	7.279	9.219	10.69	9.787	10.15
Change	-	-5.77%	25.32%	-7.68%	3.21%	-10.17%	-14.85%	-11.62%	-24.72%	-120.55%	397.47%	-12.18%	21.53%	25.05%	11.46%	21.04%	4.86%	-87.14%	-79.53%	-21,650.78%	112.72%	-98.66%	3,553.67%	181.38%	26.66%	16%	-8.48%	3.68%
Announcement Date	1/20/21	4/21/21	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	1/24/24	4/24/24	7/24/24	10/23/24	1/22/25	4/23/25	7/23/25	10/22/25	1/29/26	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: First Internet Bancorp

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	1/20/21	1/19/22	1/25/23	1/24/24	1/22/25	1/29/26	-	-

Estimates

Cash Flow Forecast: First Internet Bancorp

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	4.105	25.56	29.89	17.52	5.367	2.592
Change	-	522.63%	16.95%	-41.4%	-69.36%	-51.7%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	3/12/20	3/15/21	3/15/22	3/14/23	3/13/24	3/12/25

¹USD in Million

Estimates

Forecast Financial Ratios: First Internet Bancorp

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	69.69%	60.9%	47.44%	39.3%	48.48%	50.4%	51.22%	53.65%
EBT Margin (%)	-	48.19%	60.95%	40.33%	6.16%	29.93%	-42.96%	14.95%	28.07%
Net margin (%)	-	41.87%	51.84%	35.74%	10.5%	27.47%	-29.7%	12.35%	23.03%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.69%	1.14%	0.85%	0.17%	0.46%	-0.6%	0.33%	0.65%
ROE	-	9.39%	13.44%	9.53%	2.35%	6.7%	-9.15%	5.18%	10.15%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	0.24	0.24	0.24	0.24	0.24	0.24	0.24	0.24
Change	-	-	0%	0%	0%	0%	0%	0%	0%
Book Value Per Share ¹	-	33.77	38.99	40.26	41.97	44.31	41.41	43.48	48.24
Change	-	-	15.46%	3.26%	4.25%	5.58%	-6.54%	6.24%	10.93%
EPS ¹	-	2.99	4.82	3.7	0.95	2.88	-4.03	2.178	4.648
Change	-	-	61.2%	-23.24%	-74.32%	203.16%	-239.93%	153.81%	113.41%
Nbr of stocks (in thousands)	-	9,801	9,854	9,240	8,644	8,668	8,687	8,687	8,687
Announcement Date	-	1/20/21	1/19/22	1/25/23	1/24/24	1/22/25	1/29/26	-	-