$20.57
▲ +$0.05
(+0.24%)
Vol 23K
6
Quality Score
fail
Rev ✗
NI ✗
>IPO ✗
Mkt Cap
$181.7M
ROE
-8.8%
Margin
10.5%
D/E
29.92
Beta
0.86
Div Yield
1.15%
52W
$17–$38
Wall Street Consensus
11 analysts · Apr 20262
Strong Buy
5
Buy
4
Hold
0
Sell
0
Strong Sell
63.6%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 25.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.58 | $0.64 | +$0.06 |
| Sep 2025 | $0.72 | $-1.43 | $-2.15 |
| Jun 2025 | $0.30 | $0.02 | $-0.28 |
| Mar 2025 | $0.77 | $0.11 | $-0.66 |
Quarterly Revenue & Earnings
| Quarter | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|
| Revenue | $38.2M | $34.0M | $32.0M | $3.9M | $39.9M |
| Net Income | $7.3M | $943K | $193K | -$41.6M | $5.3M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 4.0% | 4.0% | 4.0% | -8.8% | -8.8% | -8.8% |
| P/E (TTM) | 15.14 | 13.19 | 12.41 | — | — | — |
| Net Margin | — | 10.5% | 10.5% | 10.5% | 10.5% | 10.5% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 26.99 | 26.99 | 26.99 | 29.92 | 29.92 | 29.92 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
-0.6%
P/S (TTM)
1.70
P/B
0.8
EPS (TTM)
$-3.79
CF/Share
$1.73
Rev Growth 3Y
+2.1%
52W High
$37.50
52W Low
$17.05
$17.05
52-Week Range
$37.50
Financial Health
Free Cash Flow
$23.4M
Net Debt
-$101.8M
Cash
$456.8M
Total Debt
$355.0M
As of Dec 31, 2025
How does INBK compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
INBK valuation vs Banking peers
P/E ratio
—
▼
0%
below
peers
(12.6)
vs Peers
vs Industry
Overvalued
P/S ratio
1.7
▼
27%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
0.8
▼
23%
below
peers
(1.1)
vs Peers
vs Industry
Undervalued
Div yield
1.2%
▼
62%
below
peers
(3.0%)
vs Peers
vs Industry
Low yield
INBK profitability vs Banking peers
ROE
-8.8%
▼
197%
below
peers
(9.0%)
vs Peers
vs Industry
Weak
Net margin
10.5%
▼
63%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
-0.6%
▼
160%
below
peers
(1.0%)
vs Peers
vs Industry
Weak
INBK financial health vs Banking peers
D/E ratio
29.9
▲
116%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.9
▲
25%
above
peers
(0.7)
vs Peers
vs Industry
More volatile
INBK fundamentals radar
INBK
Peer median
Industry
INBK profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
INBK vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
FENECH JOSEPH A.
Director · Feb 24
1000 shs
BECKER DAVID B
Chief Executive Officer · Jan 20
12566 shs
LORCH NICOLE S
President · Jan 20
8084 shs
LOVIK KENNETH J
Chief Financial Officer · Jan 20
4620 shs
Last 90 days
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As of Dec 31, 2025
Dividends
$0.24
/ year
Dec 31, 2025
$0.0600
Sep 30, 2025
$0.0600
Jun 30, 2025
$0.0600
Mar 31, 2025
$0.0600
Dec 31, 2024
$0.0600
Sep 30, 2024
$0.0600
Jun 28, 2024
$0.0600
Mar 27, 2024
$0.0600
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