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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%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

First Internet Bancorp - Fixed- (INBKZ) has a negative trailing P/E of -5.7, meaning the company is currently unprofitable on a trailing twelve-month (TTM) basis. The forward P/E of 11.2 based on analyst estimates suggests a return to profitability is expected. Trailing earnings yield is -17.65%, forward earnings yield 8.96%. PEG 0.10 (Peter Lynch undervalued ≤1.0).

Criteria proven by this page:

  • VALUE (85/100, Pass) — PEG ≤ 1.0 — Peter Lynch undervalued (0.10).
  • Forward P/E 11.2 — analysts expect a return to profitability with estimated EPS of $2.18 for FY2026.
  • PEG Ratio 0.10 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
  • Trailing Earnings Yield -17.65% — negative yield confirms the company is currently unprofitable. Investors are paying for a turnaround rather than current earnings. Forward yield improves to 8.96% as earnings recover.

Overall SharesGrow Score: 47/100 with 1/7 criteria passed.

SharesGrow 7-Criteria Score
49/100
SG Score
View full scorecard →
VALUE
85/100
Price-to-Earnings & upside
Proven by this page
FUTURE
N/A
No coverage
~
PAST
75/100
→ Income
~
HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
MOAT
15/100
→ Income
~
GROWTH
58/100
→ Income
INCOME
10/100
→ Income

Valuation Snapshot — INBKZ

Valuation Multiples
P/E (TTM)-5.7
Forward P/E11.2
PEG Ratio0.10
Forward PEG0.10
P/B Ratio0.55
P/S Ratio0.63
EV/EBITDA-12.0
Per Share Data
EPS (TTM)$-4.03
Forward EPS (Est.)$2.18
Book Value / Share$41.22
Revenue / Share$36.43
FCF / Share$-1.18
Yields & Fair Value
Earnings Yield-17.65%
Forward Earnings Yield8.96%
Dividend Yield1.05%
SharesGrow IV$36.76 (+51.3%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 13.8 0.78 1.08 2.31 0.72%
2017 17.8 -2.30 1.21 2.88 0.62%
2018 8.9 1.12 0.67 1.57 1.15%
2019 9.4 1.09 0.78 1.46 1.02%
2020 9.6 0.50 0.85 1.65 0.83%
2021 9.7 0.16 1.23 2.88 0.52%
2022 6.5 -0.28 0.63 1.33 1.00%
2023 25.4 -0.34 0.59 0.82 1.01%
2024 12.4 0.06 0.81 0.94 0.66%
2025 -5.2 0.02 0.51 0.56 1.15%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $2.30 $72.09M $12.07M 16.7%
2017 $2.13 $94.21M $15.23M 16.2%
2018 $2.30 $123.29M $21.9M 17.8%
2019 $2.51 $163.06M $25.24M 15.5%
2020 $2.99 $171.16M $29.45M 17.2%
2021 $4.82 $162.09M $48.11M 29.7%
2022 $3.70 $173.73M $35.54M 20.5%
2023 $0.95 $259.85M $8.42M 3.2%
2024 $2.88 $333.42M $25.28M 7.6%
2025 $-4.03 $322.87M $-35.17M -10.9%

Analyst Estimates

Year EPS (Avg) EPS Range Revenue (Avg) Revenue Range Analysts
2026 $2.18 $2.18 – $2.18 $188.34M $188.34M – $188.34M 1
2027 $4.65 $4.65 – $4.65 $213.5M $213.5M – $213.5M 1
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