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First Internet Bancorp - Fixed- INBKZ NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
49/100
1/6 Pass
SharesGrow Intrinsic Value
$36.76
+51.3%

First Internet Bancorp - Fixed- (INBKZ) is a Banks - Regional company in the Financial Services sector, currently trading at $24.30. It has a SharesGrow Score of 47/100, indicating a mixed investment profile with 1 out of 7 criteria passed.

SharesGrow calculates the intrinsic value of INBKZ = $36.76 (+51.3% from the current price, the stock appears undervalued).

Valuation: INBKZ trades at a trailing Price-to-Earnings (P/E) of -5.7 (S&P 500 average ~25).

Financials: revenue is $323M, +24.9%/yr average growth. Net income is $35M (loss), growing at -38.4%/yr. Net profit margin is -10.9% (negative). Gross margin is 13.7% (-49 pp trend).

Balance sheet: total debt is $355M against $360M equity (Debt-to-Equity (D/E) ratio 0.99, moderate). Current ratio is 81.27 (strong liquidity). Debt-to-assets is 6.4%. Total assets: $5.6B.

SharesGrow 7-Criteria breakdown: Value 85/100 (Pass), Growth 58/100 (Partial), Past 75/100 (Partial), Health 50/100 (Partial), Moat 15/100 (Fail), Future ?/100 (Fail), Income 10/100 (Fail).

INBKZ SharesGrow Score Overview

49/100
SharesGrow Score
Mixed signals — some strengths
View full scorecard →
VALUE 85/100
Valuation — P/E, PEG, Forward PEG
GROWTH 58/100
Financials — average growth
PAST 75/100
strong — trend
HEALTH 50/100
Balance sheet — Debt-to-Equity (D/E) ratio, Current ratio is
MOAT 15/100
Gross margin is + market cap
FUTURE 0/100
Analyst outlook — as buy
INCOME 10/100
Net profit margin is
Scores derived from financial statements, analyst ratings, and balance sheet data.

Score Breakdown — INBKZ

✓
VALUE Pass
85/100
INBKZ trades at a trailing Price-to-Earnings (P/E) of -5.7 (S&P 500 average ~25). Forward PEG -0.05 — Peter Lynch undervalued (≤1.0). Trailing PEG 0.93. Composite: Price-to-Earnings (20%) + Forward Price/Earnings-to-Growth (35%) + upside (25%) + trailing PEG (20%). ≥ 60 = Pass.
View details →
~
GROWTH Partial
58/100
INBKZ: +24.9%/yr revenue is, -38.4%/yr Net income is average growth. mixed. Score: >20%/yr = 100, >10% = 80, >5% = 65, >0% = 45, < 0 = 15.
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~
PAST Partial
75/100
INBKZ: 3 / 4 years profitable. mixed. Score = 3 / 4 × 100. ≥ 80 = Pass.
View details →
~
HEALTH Partial
50/100
Balance sheet INBKZ: Debt-to-Equity (D/E) ratio 0.99 (moderate), Current ratio is 81.27 (strong liquidity). Debt-to-Equity < 0.5, Current Ratio > 1.5, Interest Coverage > 8x = ideal. ≥ 70 = Pass.
View details →
✗
MOAT Fail
15/100
INBKZ: Gross margin is 13.7% (-49 pp trend), N/A market cap. Moat (0-100): margin (35%) + trend (15%) + market cap (30%) + revenue is (20%). Score 15/100. ≥ 70 = Pass.
View details →
—
FUTURE N/A
N/A
No analyst coverage available for this stock.
✗
INCOME Fail
10/100
INBKZ: Net profit margin is -10.9%. negative. Score: ≥30% = 100, ≥20% = 85, ≥15% = 70, ≥10% = 55, ≥5% = 45, ≥0% = 30, < 0 = 10.
View details →

Stock Chart & Stats

Market Data
52-Week Range23-25.144
Volume4.56K
Avg Volume (30D)3.04K
Market Cap$211.56M
Beta (1Y)0.84
Dividend Yield$2.1116
Share Statistics
EPS (TTM)-4.03
Shares Outstanding$8.73M
IPO Date2019-06-17
Employees290
CEONone
Financial Highlights & Ratios
Revenue (TTM)$322.87M
Gross Profit$44.16M
EBITDA$-50.87M
Net Income$-35.17M
Operating Income$-50.87M
Total Cash$784.83M
Total Debt$354.97M
Net Debt$348.82M
Total Assets$5.57B
Price / Earnings (P/E)-6
Price / Sales (P/S)0.66
Analyst Forecast
Company Info
CountryUS
ExchangeNASDAQ Global Select
CurrencyUSD
ISINUS3205573096

Price Chart

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INBKZ
First Internet Bancorp - Fixed- ↗  ·  NASDAQ Global Select
Financial Services • Banks - Regional
23.00 52WK RANGE 25.14

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