First Internet Bancorp Statistics
Total Valuation
INBK has a market cap or net worth of $278.80 million. The enterprise value is $480.42 million.
| Market Cap | 278.80M |
| Enterprise Value | 480.42M |
Important Dates
The last earnings date was Wednesday, April 24, 2024, after market close.
| Earnings Date | Apr 24, 2024 |
| Ex-Dividend Date | Mar 27, 2024 |
Share Statistics
INBK has 8.66 million shares outstanding. The number of shares has decreased by -3.03% in one year.
| Shares Outstanding | 8.66M |
| Shares Change (YoY) | -3.03% |
| Shares Change (QoQ) | +0.44% |
| Owned by Insiders (%) | 7.58% |
| Owned by Institutions (%) | 71.20% |
| Float | 8.06M |
Valuation Ratios
The trailing PE ratio is 17.23 and the forward PE ratio is 9.50.
| PE Ratio | 17.23 |
| Forward PE | 9.50 |
| PS Ratio | 2.95 |
| Forward PS | 2.81 |
| PB Ratio | 0.77 |
| P/FCF Ratio | 56.71 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 21.39, with an EV/FCF ratio of 96.66.
| EV / Earnings | 28.91 |
| EV / Sales | 5.04 |
| EV / EBITDA | 21.39 |
| EV / EBIT | 30.22 |
| EV / FCF | 96.66 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.85 |
| Debt / EBITDA | 30.28 |
| Debt / FCF | 136.79 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 4.60% and return on invested capital (ROIC) is 1.59%.
| Return on Equity (ROE) | 4.60% |
| Return on Assets (ROA) | 0.30% |
| Return on Capital (ROIC) | 1.59% |
| Revenue Per Employee | $332,418 |
| Profits Per Employee | $57,892 |
| Employee Count | 287 |
| Asset Turnover | 0.02 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | -716,000 |
| Effective Tax Rate | -4.50% |
Stock Price Statistics
The stock price has increased by +178.05% in the last 52 weeks. The beta is 0.74, so INBK's price volatility has been lower than the market average.
| Beta (1Y) | 0.74 |
| 52-Week Price Change | +178.05% |
| 50-Day Moving Average | 32.18 |
| 200-Day Moving Average | 24.88 |
| Relative Strength Index (RSI) | 53.37 |
| Average Volume (30 Days) | 49,908 |
Short Selling Information
The latest short interest is 133,078, so 1.54% of the outstanding shares have been sold short.
| Short Interest | 133,078 |
| Short Previous Month | 139,429 |
| Short % of Shares Out | 1.54% |
| Short % of Float | 1.65% |
| Short Ratio (days to cover) | 2.18 |
Income Statement
In the last 12 months, INBK had revenue of $95.40 million and earned $16.62 million in profits. Earnings per share was $1.89.
| Revenue | 95.40M |
| Gross Profit | 95.40M |
| Operating Income | 15.90M |
| Pretax Income | 15.90M |
| Net Income | 16.62M |
| EBITDA | 22.46M |
| EBIT | 15.90M |
| Earnings Per Share (EPS) | $1.89 |
Balance Sheet
The company has $481.26 million in cash and $679.85 million in debt, giving a net cash position of -$198.59 million or -$22.94 per share.
| Cash & Cash Equivalents | 481.26M |
| Total Debt | 679.85M |
| Net Cash | -198.59M |
| Net Cash Per Share | -$22.94 |
| Equity / Book Value | 366.74M |
| Book Value Per Share | 42.37 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $8.57 million and capital expenditures -$3.60 million, giving a free cash flow of $4.97 million.
| Operating Cash Flow | 8.57M |
| Capital Expenditures | -3.60M |
| Free Cash Flow | 4.97M |
| FCF Per Share | $0.57 |
Margins
Gross margin is 100.00%, with operating and profit margins of 16.66% and 17.42%.
| Gross Margin | 100.00% |
| Operating Margin | 16.66% |
| Pretax Margin | 16.66% |
| Profit Margin | 17.42% |
| EBITDA Margin | 23.54% |
| EBIT Margin | 16.66% |
| FCF Margin | 5.21% |
Dividends & Yields
This stock pays an annual dividend of $0.24, which amounts to a dividend yield of 0.74%.
| Dividend Per Share | $0.24 |
| Dividend Yield | 0.74% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 12.70% |
| Buyback Yield | 3.03% |
| Shareholder Yield | 3.77% |
| Earnings Yield | 5.90% |
| FCF Yield | 1.76% |
Analyst Forecast
The average price target for INBK is $34.67, which is 7.60% higher than the current price. The consensus rating is "Buy".
| Price Target | $34.67 |
| Price Target Difference | 7.60% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock Splits
The last stock split was on June 24, 2013. It was a forward split with a ratio of 15:10.
| Last Split Date | Jun 24, 2013 |
| Split Type | Forward |
| Split Ratio | 15:10 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |