First Internet Bancorp (INBK) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-01, First Internet Bancorp (NASDAQ: INBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $27.27 (+2.29% 1D, market cap $238.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, INBK ranks #769 in composite RQD confidence.
Within the Financials sector (Major Banks), INBK carries a Roarable D+ (52/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -9.8%. By comparison, CMTV (Community Bancorp.) holds a C+ grade (69/100 RQD, P/E 13.9x, ROIC 14.9%, cap $236.3M) and PEBK (Peoples Bancorp of North Carolina Inc.) posts a B- grade (70/100 RQD, P/E 12.3x, ROIC 12.6%, cap $243.6M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while CMTV leads on capital efficiency (14.9% ROIC).
Per INBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001562463), First Internet Bancorp generated $0 in revenue, -$35.2M in net income, and $2.2M in free cash flow against $5.57B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 73% of 52W Range • RSI-14 at 43.1 (NEUTRAL RANGE)
20D Institutional Volume Accumulation (±6.1% realized swing band)
Dilution Drag (+1.92% YoY Shares) & executive Form 4 sales trim 15 pts from alignment
While INBK currently carries a cautious 52/100 (D+) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Financials with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($27.17) and Max Pain ($28.63) forces dealer call-delta covering toward $32.64.
Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.92% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
First Internet Bancorp (INBK) surged +2.29% to $27.27, trading at 73% of its 52-week range ($17.05 – $31.09). Stretched risk/reward at current multiples (-10% return on capital) under elevated 10-year interest-rate pressure.
First Internet Bancorp arrived at its Q3 2026 report with a stock that has been sliding for months and then dropped another 5.4% today to close near US$25.80. The headline story is different from that price action. The b
Record revenue and expanding margins as portfolio remix drives higher yields.
Moby summary of First Internet Bancorp's Q3 2026 earnings call
Keefe, Bruyette & Woods analyst Timothy Switzer maintains First Internet (NASDAQ:INBK) with a Market Perform and raises the price target from $27 to $29.
StoneX analyst Brett Rabatin maintains First Internet (NASDAQ:INBK) with a Buy and lowers the price target from $35 to $34.
First Internet Bancorp (NASDAQ:INBK) reported third-quarter 2026 net income of $4.8 million, or $0.54 per diluted share, as record revenue and continued net interest margin expansion helped offset a credit-related charge
First Internet Bancorp (INBK) Q3 2026 revenue beat on record NII and fintech fees, but EPS missed as credit costs and interest reversals weighed.
First Internet (INBK) delivered earnings and revenue surprises of -28.75% and -2.14%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
The headline numbers for First Internet (INBK) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the
(AP) — First Internet Bancorp (INBK) on Thursday reported net income of $4.The Fishers, Indiana-based bank said it had earnings of 54 cents per share.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on INBK today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for INBK. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, First Internet Bancorp (INBK) ranks #769 by composite RQD confidence (52/100, grade D+) and #857 by equity capitalization ($238.2M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while CMTV leads on capital efficiency and profitability with 14.9% ROIC and — gross margin. PEBK currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with INBK at 52/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| INBK
ACTIVE
First Internet Bancorp | D+ | 52/100 | — | — | -9.8% | +2.29% | $238.2M | Benchmark Subject |
| CMTV Community Bancorp. | C+ | 69/100 | 13.9x | — | 14.9% | +1.71% | $236.3M | /cmtv-vs-inbk → |
| PEBK Peoples Bancorp of North Carolina Inc. | B- | 70/100 | 12.3x | — | 12.6% | +1.48% | $243.6M | /pebk-vs-inbk → |
| OPBK OP Bancorp | C- | 61/100 | 9.0x | — | 11.2% | +0.98% | $230.6M | /opbk-vs-inbk → |
| EFSI Eagle Financial Services Inc | C | 63/100 | 30.3x | — | 4.3% | +1.23% | $249.3M | /efsi-vs-inbk → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Internet Bancorp (INBK) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$35.2M, operating cash flow of $3.4M, and free cash flow of $2.2M (-78.6% YoY). On the balance sheet, INBK closed FY2025 with $5.57B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | -$35.2M | $3.4M | $2.2M | $5.57B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $25.3M | $13.0M | $10.4M | $5.74B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $8.4M | $11.7M | $11.7M | — | — |
As of 2026-11-01, First Internet Bancorp (NASDAQ: INBK) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $27.27 (+2.29% 1D, market cap $238.2M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 5/20. Across 1096 tracked Financials issuers, INBK ranks #769 in composite RQD confidence.
Within the Financials sector (Major Banks), INBK carries a Roarable D+ (52/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -9.8%. By comparison, CMTV (Community Bancorp.) holds a C+ grade (69/100 RQD, P/E 13.9x, ROIC 14.9%, cap $236.3M) and PEBK (Peoples Bancorp of North Carolina Inc.) posts a B- grade (70/100 RQD, P/E 12.3x, ROIC 12.6%, cap $243.6M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while CMTV leads on capital efficiency (14.9% ROIC).
Per INBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001562463), First Internet Bancorp generated $0 in revenue, -$35.2M in net income, and $2.2M in free cash flow against $5.57B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
INBK last traded at $27.27 (+2.29% on volume of 55,539 shares), positioning the stock +0.37% above its 50-day simple moving average ($27.17) and +10.23% above its 200-day simple moving average ($24.74). Across its 52-week range of $17.05 to $31.09, INBK sits at the 72.8% percentile with a 14-day RSI of 43.1 (NEUTRAL RANGE) and an implied next-earnings move of ±6.1% ($25.61 to $28.93).
Why INBK Stock surged +2.29% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-10% return on capital) under elevated 10-year interest-rate pressure.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Paper Trading Arena account.