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First Internet Bancorp (INBK) Unternehmen Profile
25.71
0.57
(2.27%)
|
Total Valuation
First Internet Bancorp has a market cap or net worth of 223.6M. The enterprise value is 614.5M.A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
Valuation Ratios
The trailing PE ratio is 8.85. First Internet Bancorp's PEG ratio is 0.63.The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
Enterprise Valuation
The stock's EV/EBITDA ratio is 24.34, with a EV/FCF ratio of -181.22.The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
Financial Efficiency
Return on equity (ROE) is 6.71% and return on invested capital (ROIC) is 12.68%.Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
Margins
Trailing 12 months gross margin is 99.13%, with operating and profit margins of 44.12% and 11.56%.Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
Income Statement
In the last 12 months, First Internet Bancorp had revenue of 218.7M and earned 25.28M in profits. Earnings per share (EPS) was 2.9.Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
Financial Position
The company has a trailing 12 months (ttm) current ratio of 250.41, with a ttm Debt / Equity ratio of 1.04.The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
Dividends & Yields
This stock pays an annual dividend of 0.93%. , which amounts to a dividend yield ofTotal amount paid to each outstanding share in dividends during the period.
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
Balance Sheet
The company has 9.25M in cash and 400.15M in debt, giving a net cash position of -390.9M.Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
Cash Flow
In the last 12 months, operating cash flow of the company was -799K and capital expenditures -2.59M, giving a free cash flow of -3.39M.Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
First Internet Bancorp News
Apr 23, 2025 - businesswire.com |
First Internet Bancorp Reports First Quarter 2025 Results FISHERS, Ind.--(BUSINESS WIRE)--First Internet Bancorp (the “Company”) (Nasdaq: INBK), the parent company of First Internet Bank (the “Bank”), announced today financial and operational results for the first quarter ended March 31, 2025. First Quarter 2025 Financial Highlights Net income of $0.9 million and diluted earnings per share of $0.11 Pre-tax, pre-provision income (“PTPP”) of $12.0 million1 An increase of 10.8% from adjusted PTPP1 for the fourth quarter of 2024 An increase of 48.5% from....[read more] |
Apr 10, 2025 - zacks.com |
First Internet (INBK) Soars 9.4%: Is Further Upside Left in the Stock? First Internet (INBK) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term....[read more] |
Apr 9, 2025 - businesswire.com |
First Internet Bancorp to Announce First Quarter 2025 Financial Results on Wednesday, April 23 FISHERS, Ind.--(BUSINESS WIRE)--First Internet Bancorp (the “Company”) (Nasdaq: INBK), the parent company of First Internet Bank (www.firstib.com), announced today that it plans to issue its first quarter 2025 financial results after the market closes on Wednesday, April 23, 2025. A conference call and webcast to discuss the results will be held the following day, Thursday, April 24 at 2:00 p.m., Eastern Time. Conference Call and Webcast Information: Date and Time: Thursday, April 24, 202....[read more] |
Mar 18, 2025 - businesswire.com |
First Internet Bancorp to Pay Cash Dividend FISHERS, Ind.--(BUSINESS WIRE)--The Board of Directors of First Internet Bancorp (the “Company”) (Nasdaq: INBK) has declared a quarterly cash dividend of $0.06 per common share. The dividend will be payable on April 15, 2025 to shareholders of record at the close of business on March 31, 2025. The declaration and amount of any future cash dividends will be subject to the sole discretion of the Board of Directors and will depend upon many factors, including the Company's results of operations, f....[read more] |
Mar 4, 2025 - businesswire.com |
First Internet Bank Welcomes Blake Sanderson as Commercial Real Estate Leader FISHERS, Ind.--(BUSINESS WIRE)-- #SBA--First Internet Bank today announced that J. Blake Sanderson has joined the organization as First Vice President, Commercial Real Estate Acquisition, Development and Construction. In this position, he will work to further expand relationships and a portfolio currently exceeding $1 billion in commitments. Mr. Sanderson succeeds Nick Campbell, who has been elevated to the role of Senior Credit Officer, assuming responsibility for the bank's commercial credit a...[read more] |
Feb 26, 2025 - businesswire.com |
First Internet Bank Promotes David Bybee to Lead SBA Lending Team FISHERS, Ind.--(BUSINESS WIRE)-- #SBA--First Internet Bank announced today that David Bybee has been promoted to the newly created role of Senior Vice President, Government Guaranteed Lending. In his new role, he will oversee all aspects of First Internet Bank's Small Business Administration (SBA) Lending operation, from origination through servicing. “Since his arrival, David has been a driving force behind our growth, helping us to become one of the nation's Top 10 SBA 7(a) lenders,” noted Pre...[read more] |
Feb 6, 2025 - businesswire.com |
First Internet Bank Expands Small Business Administration Lending Team FISHERS, In.--(BUSINESS WIRE)-- #SBA--First Internet Bank announced today that Austin Porter has joined the organization as Vice President, Business Development Officer. He joins the Bank's growing Small Business Administration (SBA) Lending team – one currently among the Top 10 for SBA 7(a) lenders nationwide. “Austin is an important addition,” said First Internet Bank Vice President, National SBA Sales Manager Mark Gibson. “His experience will help our small business partners access the capita...[read more] |
Feb 4, 2025 - businesswire.com |
First Internet Bank Named 2024 Online Lender of the Year by Coleman Report FISHERS, Ind.--(BUSINESS WIRE)--First Internet Bank announced today that it has been named the 2024 Online Lender of the Year by Coleman Report, a leading publication in the small business lending industry. The publication's annual awards celebrate financial institutions and individuals who demonstrate exceptional performance in Small Business Administration (SBA) lending. The Online Lender of the Year award acknowledges First Internet Bank's success in combining outstanding customer service wi....[read more] |
Jan 23, 2025 - seekingalpha.com |
First Internet Bancorp (INBK) Q4 2024 Earnings Call Transcript First Internet Bancorp (NASDAQ:INBK ) Q4 2024 Earnings Conference Call January 23, 2024 2:00 PM ET Company Participants Ben Brodkowitz - Financial Profiles, Inc. David Becker - Chairman & CEO Ken Lovik - EVP & CFO Conference Call Participants Brett Rabatin - Hovde Group Tim Switzer - KBW Nathan Race - Piper Sandler George Sutton - Craig Hallum John Rodis - Janney Montgomery Scott Operator Good day, everyone, and welcome to the First Internet Bancorp's Fourth Quarter and Full Year 2024 Conference...[read more] |
Jan 22, 2025 - zacks.com |
Here's What Key Metrics Tell Us About First Internet (INBK) Q4 Earnings Although the revenue and EPS for First Internet (INBK) give a sense of how its business performed in the quarter ended December 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers....[read more] |
First Internet Bancorp Details
First Internet Bancorp Company Description
First Internet Bancorp operates as the bank holding company for First Internet Bank of Indiana that provides commercial and retail banking products and services to individuals and commercial customers in the United States. The company accepts non-interest bearing and interest-bearing demand deposit, savings, money market, and brokered deposit accounts, as well as certificates of deposit. It also offers commercial and industrial, owner-occupied and investor commercial real estate, construction, residential mortgage, home equity and improvement, small installment, term, and other consumer loans, as well as single tenant lease financing, and public and healthcare finance; franchise finance; and small business lending. In addition, the company is involved in the purchase, manage, service, and safekeeping of municipal securities; and provision of municipal finance lending and leasing products to government entities. In addition, it offers corporate credit card and treasury management services. The company provides its services through its firstib.com Website. First Internet Bancorp was founded in 1999 and is headquartered in Fishers, Indiana.First Internet Bancorp (INBK) Bundle
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