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INBK

First Internet Bancorp

Financial Services · $230M market cap

Verdict

Share price

$27.62

close of Oct 3, 2026

Fair value

$12.20

Sticker Price

Payback Price

$4.88

buy price

Overpriced

INBK is Overpriced: at $27.62 it trades 126% above its fair value of $12.20. Its buy price (Payback Price) is $4.88, 82% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth19.8% a year✓
Equity per share growth6.4% a year✗
Sales growth16.1% a year✓
Free cash flow growth7.9% a year✗
Return on invested capital1.0%✗

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About First Internet Bancorp

First Internet Bancorp operates as the bank holding company for First Internet Bank of Indiana that provides various commercial, small business, consumer, and municipal banking products and services to individuals and commercial customers in the United States. The company offers noninterest-bearing and interest-bearing demand deposits, savings accounts, and money market accounts, as well as certificates of deposit…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works