COMP <GO>
INBK vs OPBK // EV/EBITDA & P/E VALUATION
First Internet Bancorp (NASDAQ) VS. OP Bancorp (NASDAQ) • 15-METRIC TALLY: INBK 1
— OPBK 5
■ METRIC PARITY
LAST: $26.85 (+4.03%) • MKT CAP: $225.4M
valuation
—
LAST: $15.33 (+1.66%) • MKT CAP: $225.2M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (INBK VS. OPBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | INBK | OPBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -9.80% | 11.20% | -21.00 | OPBK | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 0.93% | 10.13% | -9.20 | OPBK | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | -1.70% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.88% | 3.09% | -2.21 | OPBK | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 5/9 | -2.00 | OPBK | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.9 | 50.0 | -5.10 | OPBK | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 8.4x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $225.4M | $225.2M | $229.7K | INBK | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | INBK REV | OPBK REV | INBK GROSS % | OPBK GROSS % | INBK FCF | OPBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $2.34B | $3.2M | — | — | $2.2M | $23.4M |
| FY 2024 | $2.41B | $3.3M | — | — | $10.4M | $29.7M |
| FY 2023 | $44.4M | $2.1M | — | — | $11.7M | $67.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
INBK // BETA —
OPBK // BETA —