First Internet Bancorp (INBK) Stock Score, Valuation & Financial Research
First Internet Bancorp is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 21/100.
Quick answer for INBK
First Internet Bancorp currently has a Wall Street Score of 21/100. The stored market price is $28.52. Its financial score is 40/100. Its valuation score is 0/100. The latest WSS change is -4.4 points. These figures are a research snapshot, not a buy or sell recommendation.
What First Internet Bancorp does
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 and brokered deposits. It also provides commercial and industrial, owner-occupied commercial real estate, investor commercial real estate, construction, single tenant lease financing, single tenant lease, public, specialty, healthcare and finance, small business lending, commercial deposits and treasury management, franchise finance, residential mortgage, home equity, and other consumer loans. In addition, the company is involved in the provision of municipal finance lending an
INBK financial snapshot
- Wall Street Score:
- 21/100
- Current price:
- $28.52
- Market capitalization:
- $248.6M
- Revenue:
- $320.0M
- Net income:
- $-31.4M
- Free cash flow:
- $2.2M
- Cash:
- $8.7M
- Total debt:
- $345.1M
- EPS:
- -4.03
- Financial score:
- 40/100
- Valuation score:
- 0/100
- Revenue score:
- 22/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $2.2M, showing positive cash generation.
- The balance sheet shows $8.7M of cash versus $345.1M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -4.4 points: INBK decreased 4.4 points because Capital declined by 3 points, Management declined by 40 points, Buffett declined by 6.3 points.
What the numbers mean
Its current valuation score is 0/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 40/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-08-14.
How to research INBK
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.