Stock Ratings / Financials / INBK / options

CMTV (69) PEBK (70) OPBK (61) EFSI (63) ⌘ Pro Terminal →

First Internet Bancorp (INBK) Options Positioning, Max Pain & Unusual Sweeps

$27.27 +2.29% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $27.33

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.

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $238.2M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $27.33 (+0.22%)🧬 Dilution Drag (+1.92% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 52/100 (D+) historically posted market-perform odds over rolling 90-day windows (-1.1% avg 90D alpha vs SPY • 50.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE-2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for INBK)Realized 20D OHLCV Swing Band: ±6.1%

Deterministic 5-Pillar Attribution (52/100 Composite)

🔍 WHY INBK SCORES 52/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (29% of score)

FRED Regime × Technicals: 73% of 52W Range • RSI-14 at 43.1 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (23% of score)

20D Institutional Volume Accumulation (±6.1% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution5/20 pts (-15 pt drag)

Dilution Drag (+1.92% YoY Shares) & executive Form 4 sales trim 15 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$25.99-1.3% Next Q

Q2 (-2Q)

Grade D$25.66+4.1% Next Q

Q3 (-1Q)

Grade D$26.71+2.1% Next Q

Current

Grade D+$27.27-1.1% Hist 90D α

Trajectory: D (44) → D+ (52)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a INBK Turnaround Squeeze

Gideon Ashmere Forensic Desk →

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.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($27.17) and Max Pain ($28.63) forces dealer call-delta covering toward $32.64.

🚀 Contrarian Squeeze Trigger #3

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.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $INBK• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “INBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 52%NO 48%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±6.1%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (INBK)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for INBK.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring INBK)

✓Walkthrough of INBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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INBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.98%▲ RESISTANCE BREAKOUT

2026-10-30O $25.58H $27.27L $25.25C $27.27VOL 71.4K

RES: $26.82SUP: $24.01SMA50: $27.17SMA200: $24.74

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

INBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 INBK Butterfly Map → + Track INBK →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on INBK today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for INBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for INBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (INBK)

Financials Rank #769 of 1096 ⚔️ CMTV vs INBK Full Matrix →

1. Head-to-Head Financials Peer Comparison (INBK vs. CMTV, PEBK, OPBK, EFSI)

Industry: Major Banks (248 Tracked Issuers)

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 →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001562463

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	—	—

3. INBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is INBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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.

How does INBK compare to CMTV and PEBK in the Financials sector?

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).

What are the biggest fundamental strengths and SEC risk factors for INBK?

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.

Where is INBK trading relative to its 50-day, 200-day, and 52-week technical levels?

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).

INBK Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is INBK's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for INBK.

Direct Sub-Reports: INBK RQD Cockpit INBK 12M Forecast INBK Earnings & Move INBK Dividends & DRIP INBK Insiders & 13F INBK Whale Options INBK Profit Sankey INBK News & Why