First Internet Bancorp 대차대조표 건전성

재무 건전성 기준 점검 5/6

First Internet Bancorp 의 총 자산은 $5.6B 이고 총 자본금은 $363.5M 입니다. 총 예금은 $4.8B 이고, 총 대출금 $3.8B 입니다. 순이자마진은 2.1% 입니다. 현재 총 대출의 1.6% 불량 대출에 대한 허용량이 부족합니다. 현금 및 단기투자는 $411.1M 입니다.

핵심 정보

15.3x

자산/자본 비율

2.1%

순이자마진

총예금	US$4.83b
대출/예금 비율	적정
부실 대출	1.6%
대손충당금	낮음
유동비율	낮음
현금 및 현금성 자산	US$411.09m

최근 재무 건전성 업데이트

업데이트 없음

Recent updates

내러티브 업데이트 • Jul 31

INBK: Higher Profit Margin Assumptions Will Support Future Re Rating Potential

Analysts recently lifted their price target on First Internet Bancorp to $34 from $30, citing updated expectations for fair value, discount rate, revenue growth, profit margin, and future P/E assumptions aligned with fresh Street research, including new targets and coverage initiations in the Midwest bank group. Analyst Commentary Recent Street research on First Internet Bancorp gives you a clearer sense of how professionals are thinking about valuation, execution, and growth potential as of late July 2026.

내러티브 업데이트 • Jul 09

INBK: Raised Earnings Views And Sector Support Will Likely Offset Credit Risks

Analysts have raised their price expectations for First Internet Bancorp, with updated models indicating a higher fair value of $25.00. This revision is supported by recent price target increases on the stock and research that highlights constructive views on profitability, revenue growth drivers, and a generally supportive sector backdrop.

Seeking Alpha • Jul 05

First Internet Bancorp: The 8% Yielding Baby Bonds Are Attractive On A 3-Year Basis

Summary First Internet Bancorp is restoring net interest margins, with management guiding for sequential quarterly improvement through year-end. Loan loss provisions are expected to decrease in H2, supporting a projected EPS increase of over 100% versus H1 and targeting $4+ EPS from next year. I maintain a "Buy" rating on INBK common shares due to the improving margin and earnings outlook, despite having sold my position for liquidity reasons. I continue to hold INBK's baby bonds, which yield ~8.1% and mature in 2029, viewing them as attractive risk/reward for capital parking. Read the full article on Seeking Alpha

내러티브 업데이트 • Jun 22

INBK: Revised Discount Rate And Profit Margin Assumptions Will Support Re Rating Potential

The analyst price target for First Internet Bancorp has been raised by $0.50, with analysts citing updated assumptions regarding the discount rate, revenue growth, profit margin and future P/E as the main factors behind their revised view. What’s in the News for First Internet Bancorp No recent First Internet Bancorp news items were identified in the provided sources.

내러티브 업데이트 • Jun 06

INBK: Updated Profitability And P E Assumptions Will Support Further Re Rating Potential

Analysts recently raised their price target for First Internet Bancorp by $0.50, citing updated assumptions around revenue growth, profit margins, and forward P/E that support a modestly higher fair value estimate. What's in the News No major recent news stories, periodical coverage, or key corporate developments were identified for First Internet Bancorp based on the sources provided.

내러티브 업데이트 • May 14

INBK: Updated Discount Rate And Profitability Assumptions Will Support Further Re Rating Potential

Analysts have raised their price target for First Internet Bancorp by $0.50, citing updated views on discount rates, profitability, and future P/E assumptions reflected in recent research. Analyst Commentary Bullish analysts are using the updated research to frame the new price target as a reflection of refreshed thinking on discount rates, profitability, and future P/E assumptions, rather than a change driven by any single short term factor.

내러티브 업데이트 • Apr 26

INBK: 2026 Guidance And Margin Assumptions Will Support Constructive Upside Case

Analysts report a net $1 increase in the average price target for First Internet Bancorp as opposing $3 upward and $2 downward revisions reflect updated views on its discount rate, revenue growth, profit margin, and future P/E assumptions. Analyst Commentary Bullish analysts point to the recent $3 upward price target revision as a sign of growing confidence in how First Internet Bancorp is priced, particularly as they factor in updated discount rate, revenue growth, profit margin, and future P/E assumptions.

내러티브 업데이트 • Feb 28

INBK: 2026 Guidance And P/E Assumptions Will Support Constructive Upside Case

Analysts have updated their views on First Internet Bancorp with a modest net change in the average price target, reflecting a $2 cut from one firm and a $3 increase from another, as they reassess the outlook for growth, profitability, and future P/E assumptions. Analyst Commentary Bullish analysts are reading the recent price target moves as a sign that the market is actively recalibrating expectations for First Internet Bancorp rather than ignoring the story.

내러티브 업데이트 • Feb 14

INBK: 2026 Guidance And Modeling Updates Will Support Constructive Upside Case

Analyst price targets on First Internet Bancorp have been adjusted in a narrow band, with one firm raising its target by $3 and another lowering it by $2, as analysts reassess the shares using updated views on discount rates, revenue growth, profit margins, and future P/E assumptions. Analyst Commentary Recent research updates on First Internet Bancorp reflect a mix of optimism and caution, with price targets adjusted in a relatively tight range.

내러티브 업데이트 • Jan 31

INBK: 2026 Earnings Guidance Will Support Recalibrated Upside Case

Analysts have lowered their fair value estimate for First Internet Bancorp from $35.00 to $30.00, reflecting updated views on revenue growth potential, profit margins and future P/E assumptions following recent mixed price target revisions on the stock. Analyst Commentary Recent Street research on First Internet Bancorp has been mixed, with one firm lifting its price target by US$3 and another trimming its target by US$2.

분석 기사 • Dec 20

First Internet Bancorp (NASDAQ:INBK) Will Pay A Dividend Of $0.06

The board of First Internet Bancorp ( NASDAQ:INBK ) has announced that it will pay a dividend on the 15th of January...

내러티브 업데이트 • Dec 12

INBK: Credit Pressures And Asset Quality Concerns Will Likely Cap Near-Term Upside

Analysts have trimmed their price target on First Internet Bancorp from $25.00 to $22.00, citing ongoing credit issues and asset quality concerns. These factors are expected to keep the bank's valuation below peers despite management's efforts to improve profitability.

분석 기사 • Sep 20

First Internet Bancorp (NASDAQ:INBK) Is Paying Out A Dividend Of $0.06

First Internet Bancorp ( NASDAQ:INBK ) has announced that it will pay a dividend of $0.06 per share on the 15th of...

분석 기사 • Jun 21

First Internet Bancorp (NASDAQ:INBK) Is Paying Out A Dividend Of $0.06

The board of First Internet Bancorp ( NASDAQ:INBK ) has announced that it will pay a dividend on the 15th of July, with...

분석 기사 • Mar 22

First Internet Bancorp (NASDAQ:INBK) Has Announced A Dividend Of $0.06

First Internet Bancorp's ( NASDAQ:INBK ) investors are due to receive a payment of $0.06 per share on 15th of April...

Seeking Alpha • Jan 03

First Internet Bancorp: Floating Debt Securities Offer High Single-Digit Yield

Summary First Internet Bancorp's Q3 results show strong net interest income growth and significant profits from loan sales, despite higher loan loss provisions. The bank's baby bond, now offering a floating rate yield of 3M SOFR +437 bps in total, provides attractive interest payments, surpassing the previous fixed rate. I remain satisfied with my position in the baby bond, expecting the three-month SOFR rate to decrease, reducing the bank's interest expenses. I plan to hold and potentially add to my position in INBKZ, especially if it trades below par value. Read the full article on Seeking Alpha

새로운 내러티브 • Sep 26

Calculated Fintech Partnerships And SBA Lending Propel Growth And Profitability

Shift towards higher yielding variable rate loans and reduction in higher cost broker deposits are expected to enhance the company's net margins.

Seeking Alpha • Sep 22

Despite Rapid Growth, First Internet Bancorp Deserves A Pass

Summary First Internet Bancorp has seen significant balance sheet growth but faces profitability challenges due to a declining net interest margin and increased credit loss provisions. The bank operates digitally, focusing on SBA loans and financial technology, with rapid deposit and loan growth and limited exposure to office loans. Despite recent improvements in net interest income and reduced credit losses, the bank's valuation remains high compared to peers, making it a risky investment. Given the mixed asset quality and volatility in revenue and profits, I rate First Internet Bancorp a 'hold' until it resolves its issues. Read the full article on Seeking Alpha

Seeking Alpha • Jul 04

First Internet Bancorp: Bottoming Net Interest Margin Bodes Well For The Future

Summary First Internet Bancorp's net interest margin is improving, hopefully leading to increased net interest income and profitability. The bank's loan book shows decent diversification with minimal exposure to past due loans, particularly in commercial real estate - a pleasant surprise. I maintain a long position in the bank's fix-to-float debt securities due to attractive yield and potential for increasing profitability. Read the full article on Seeking Alpha

분석 기사 • Jun 23

First Internet Bancorp's (NASDAQ:INBK) Dividend Will Be $0.06

First Internet Bancorp ( NASDAQ:INBK ) has announced that it will pay a dividend of $0.06 per share on the 15th of...

Seeking Alpha • Apr 28

First Internet Bancorp: The Recovery Begins

Summary First Internet Bancorp's Q1 2024 report beat expectations with higher GAAP EPS and revenue. The bank's deposits grew higher than expected, improving liquidity and Loan to Deposits ratio. The bank expects total loans to grow between 5% and 10% in 2024 and predicts a recovery of NIM by the end of the year. Read the full article on Seeking Alpha

재무 상태 분석

부채/자본 비율 추이 및 분석

대차대조표

금융기관 분석

자산 수준: INBK 의 자산 대 자기자본 비율(15.3x)는 보통입니다.

불량대출충당금: INBK 에는 낮음 불량 대출에 대한 수당 (88%)이 있습니다.

저위험 부채: INBK 부채 중 93% 는 주로 낮은 위험 자금 출처로 구성됩니다.

대출 수준: INBK 은 자산 대비 대출 비율(68%)의 적절 수준을 갖습니다.

저위험 예금: INBK 의 예금 대비 대출 비율 (78%)은 적절입니다.

부실대출 수준: INBK 에는 적절한 수준의 불량 대출(1.6%)이 있습니다.

건전한 기업 찾아보기

기업 분석 및 재무 데이터 상태

데이터	최종 업데이트 (UTC 시간)
기업 분석	2026/09/15 03:56
종가	2026/09/15 00:00
수익	2026/06/30
연간 수익	2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지	데이터	기간	미국 소스 예시 ^*
기업 재무제표	10년	손익계산서 현금흐름표 대차대조표	SEC 양식 10-K SEC 양식 10-Q
분석가 컨센서스 추정치	+3년	재무 예측 분석가 목표주가	분석가 리서치 보고서 Blue Matrix
시장 가격	30년	주가 배당, 분할 및 기타 조치	ICE 시장 데이터 SEC 양식 S-1
지분 구조	10년	주요 주주 내부자 거래	SEC 양식 4 SEC 양식 13D
경영진	10년	리더십 팀 이사회	SEC 양식 10-K SEC 양식 DEF 14A
주요 개발	10년	회사 공시	SEC 양식 8-K

^* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

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산업 및 섹터 지표

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분석가 소스

First Internet Bancorp는 4명의 분석가가 다루고 있습니다. 이 중 4명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가	기관
George Sutton	Craig-Hallum Capital Group LLC
Timothy Switzer	Keefe, Bruyette, & Woods
Nathan Race	Piper Sandler Companies

First Internet Bancorp 대차대조표 건전성

재무 건전성 기준 점검 5/6

핵심 정보

최근 재무 건전성 업데이트

Recent updates

First Internet Bancorp announced that it expects to receive $20.5 million in funding

INBK: Higher Profit Margin Assumptions Will Support Future Re Rating Potential

Price target increased by 8.3% to US$29.90

Second quarter 2026 earnings: EPS exceeds analyst expectations while revenues lag behind

First Internet Bancorp to Report Q2, 2026 Results on Jul 30, 2026

INBK: Raised Earnings Views And Sector Support Will Likely Offset Credit Risks

First Internet Bancorp: The 8% Yielding Baby Bonds Are Attractive On A 3-Year Basis

First Internet Bancorp(NasdaqGS:INBK) dropped from Russell 2500 Growth Benchmark

Price target increased by 11% to US$27.60

INBK: Revised Discount Rate And Profit Margin Assumptions Will Support Re Rating Potential

First quarter dividend of US$0.06 announced

First Internet Bancorp Declares Quarterly Cash Dividend, Payable on July 15, 2026

INBK: Updated Profitability And P E Assumptions Will Support Further Re Rating Potential

Insufficient new directors

INBK: Updated Discount Rate And Profitability Assumptions Will Support Further Re Rating Potential

First quarter 2026 earnings: EPS exceeds analyst expectations while revenues lag behind

INBK: 2026 Guidance And P/E Framework Will Support Further Re Rating Potential

First Internet Bancorp to Report Q1, 2026 Results on Apr 30, 2026

INBK: 2026 Guidance And P/E Assumptions Will Support Further Upside Potential

First Internet Bancorp, Annual General Meeting, May 18, 2026

INBK: 2026 Guidance And P/E Assumptions Will Support Constructive Upside Case

Fourth quarter dividend of US$0.06 announced

First Internet Bancorp Declares Quarterly Cash Dividend, Payable on April 15, 2026

INBK: 2026 Guidance And Margin Assumptions Will Support Constructive Upside Case

Full year 2025 earnings: EPS in line with expectations, revenues disappoint

INBK: 2026 Guidance And P/E Assumptions Will Support Constructive Upside Case

INBK: 2026 Guidance And Modeling Updates Will Support Constructive Upside Case

INBK: 2026 Earnings Guidance Will Support Recalibrated Upside Case

Full year 2025 earnings: EPS in line with expectations, revenues disappoint

First Internet Bancorp Provides Earnings Guidance for the Year 2026

First Internet Bancorp to Report Q4, 2025 Results on Jan 29, 2026

First Internet Bancorp (NASDAQ:INBK) Will Pay A Dividend Of $0.06

Third quarter dividend of US$0.06 announced

First Internet Bancorp Declares Quarterly Cash Dividend, Payable on January 15, 2026

INBK: Credit Pressures And Asset Quality Concerns Will Likely Cap Near-Term Upside

Chairman & CEO recently bought US$93k worth of stock

Price target decreased by 7.8% to US$26.10

Third quarter 2025 earnings: EPS and revenues miss analyst expectations

First Internet Bancorp (NasdaqGS:INBK) announces an Equity Buyback for $25 million worth of its shares.

First Internet Bancorp to Report Q3, 2025 Results on Oct 22, 2025

Consensus EPS estimates fall by 158%

First Internet Bancorp (NASDAQ:INBK) Is Paying Out A Dividend Of $0.06

Second quarter dividend of US$0.06 announced

First Internet Bancorp Declares Quarterly Cash Dividend, Payable on October 15, 2025

Consensus EPS estimates fall from profit to US$0.30 loss

Consensus EPS estimates fall by 39%

Investor sentiment deteriorates as stock falls 19%

Second quarter 2025 earnings: EPS and revenues miss analyst expectations

First Internet Bancorp Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025

First Internet Bancorp to Report Q2, 2025 Results on Jul 23, 2025

Investor sentiment improves as stock rises 19%

New major risk - Revenue and earnings growth

Now 25% overvalued

First Internet Bancorp (NASDAQ:INBK) Is Paying Out A Dividend Of $0.06

First quarter dividend of US$0.06 announced

First Internet Bancorp to Pay Quarterly Cash Dividend, Payable on July 15, 2025

Investor sentiment deteriorates as stock falls 18%

Price target decreased by 22% to US$30.80

First quarter 2025 earnings: EPS and revenues miss analyst expectations

First Internet Bancorp Reports Net Charge-Offs for the First Quarter Ended March 31, 2025

First Internet Bancorp to Report Q1, 2025 Results on Apr 23, 2025

Price target decreased by 7.8% to US$37.60

First Internet Bancorp, Annual General Meeting, May 19, 2025

Price target decreased by 9.4% to US$39.60

First Internet Bancorp (NASDAQ:INBK) Has Announced A Dividend Of $0.06

Fourth quarter dividend of US$0.06 announced

First Internet Bancorp Announces Quarterly Cash Dividend, Payable on April 15, 2025

Full year 2024 earnings: EPS misses analyst expectations

Full year 2024 earnings: EPS misses analyst expectations

First Internet Bancorp to Report Q4, 2024 Results on Jan 22, 2025

First Internet Bancorp: Floating Debt Securities Offer High Single-Digit Yield

Third quarter dividend of US$0.06 announced

First Internet Bancorp to Pay Cash Dividend, Payable on January 15, 2025

Third quarter 2024 earnings: EPS and revenues miss analyst expectations

First Internet Bancorp to Report Q3, 2024 Results on Oct 23, 2024