INBK First Internet Bancorp - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 5, 2026 10-K/10-Q Aug 5, 2026
$27.13
· of 52w range
· above low
· to high
$17.0552w low
$31.0952w high
P/E
-5.2
EPS
$-4.03
your badges
52W Range
$17–$31
Analyst Rating
BUY
Price Target
$31
P/E
-5.2
ROE
-9.4%
Net Profit Margin
-30.2%
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INBK Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$27.13
P/E
-5.2
EPS
$-4.03
ROE
-9.4%
52W Range
$17–$31
INBK Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| June 24, 2013 | 3-for-2 | Forward |
About First Internet Bancorp - Common Stock Company overview from Wikipedia
First Internet Bank of Indiana (First IB) is the sole subsidiary of First Internet Bancorp, an American bank holding company headquartered in Fishers, Indiana. It was established as one of the first state-chartered banks to operate exclusively online and via telephone, without any physical branches.
Founded in 1997 by David B. Becker, the bank was incorporated on October 28, 1998, and began operations on February 22, 1999. Specializing in online retail banking and securities investment, it offers a range of financial products including interest-bearing checking accounts, savings accounts (standard and money market), certificates of deposit, individual retirement accounts, credit cards, personal lines of credit, and installment loans.
Privately capitalized with over 300 individual and corporate investors, First Internet Bank became a wholly owned subsidiary of First Internet Bancorp following a Plan of Exchange completed on March 21, 2006.
Source: Wikipedia, CC BY-SA 4.0 · View on Wikipedia ↗
sectorFinancials
industryBanking
employees354
countryUS
10-Year Performance Revenue, net income, margins and EPS trends
Revenue·2017-12-31 → 2019-12-31
EPS$-4.032016-12-31 → 2025-12-31
Free Cash Flow$2M2016-12-31 → 2025-12-31
Net margin-30.2%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | INBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | -5.25Y avg ≈9.8 | ≈9.8 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | INBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | -43.7%5Y avg ≈12.6% | ≈12.6% | 38.2% | Weak | |
| Net Profit Margin | -30.2%5Y avg ≈13.4% | ≈13.4% | 32.0% | Weak | |
| ROA | -0.62%5Y avg ≈0.39% | ≈0.39% | 1.0% | Weak | |
| ROE | -9.4%5Y avg ≈4.4% | ≈4.4% | 11.7% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | INBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -13.6%5Y avg ≈4.5% | ≈4.5% | · | · | |
| Revenue CAGR 3Y | -0.53%5Y avg ≈1.2% | ≈1.2% | · | · | |
| Revenue CAGR 5Y | 2.9% | · | · | · | |
| EPS YoY | 203.2%5Y avg ≈41.7% | ≈41.7% | · | · | |
| Net Income YoY | 200.3%5Y avg ≈40.3% | ≈40.3% | · | · | |
| EPS CAGR 3Y | -15.8% | · | · | · | |
| Net Income CAGR 3Y | -19.3% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | INBK | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Below avg |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio-5.9%
Annualized Payout≈$0.24
5Y Div CAGR≈0.00%
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Jun 30, 2026 | $0.06 | USD | ≈0.86% |
| Mar 31, 2026 | $0.06 | USD | ≈1.2% |
| Dec 31, 2025 | $0.06 | USD | ≈1.1% |
| Sep 30, 2025 | $0.06 | USD | ≈1.1% |
| Jun 30, 2025 | $0.06 | USD | ≈0.89% |
| Mar 31, 2025 | $0.06 | USD | ≈0.90% |
| Dec 31, 2024 | $0.06 | USD | ≈0.67% |
| Sep 30, 2024 | $0.06 | USD | ≈0.70% |
| Jun 28, 2024 | $0.06 | USD | ≈0.89% |
| Mar 27, 2024 | $0.06 | USD | ≈0.69% |
| Dec 28, 2023 | $0.06 | USD | ≈0.97% |
| Sep 28, 2023 | $0.06 | USD | ≈1.5% |
| Jun 29, 2023 | $0.06 | USD | ≈1.5% |
| Mar 30, 2023 | $0.06 | USD | ≈1.4% |
| Dec 29, 2022 | $0.06 | USD | ≈0.99% |
| Sep 29, 2022 | $0.06 | USD | ≈0.70% |
| Jun 30, 2022 | $0.06 | USD | ≈0.65% |
| Mar 30, 2022 | $0.06 | USD | ≈0.55% |
| Dec 30, 2021 | $0.06 | USD | ≈0.51% |
| Sep 29, 2021 | $0.06 | USD | ≈0.77% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-35.6%
Next Report
Oct 20, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 21, 2026 | $0.27 | $0.15 | 75.8% |
| March 31, 2026 | $0.29 | $0.10 | 177.2% | |
| Dec. 31, 2025 | $0.64 | $0.58 | 10.6% | |
| Sept. 30, 2025 | $-1.43 | $0.72 | -298.1% | |
| June 30, 2025 | $0.02 | $0.30 | -93.3% | |
| March 31, 2025 | $0.11 | $0.77 | -85.7% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | · | · | $12M | $6M | $8M | |
| Interest Expense | · | · | $165M | $60M | $47M | $72M | $84M | $53M | $31M | |
| Interest Income | $320M | $292M | $239M | $157M | $134M | $137M | $147M | $115M | $85M | |
| Pretax Income | $-51M | $28M | $5M | $40M | $57M | $34M | $27M | $24M | $23M | |
| Income Tax | $-16M | $2M | $-3M | $5M | $8M | $4M | $2M | $2M | $8M | |
| Net Income | $-35M | $25M | $8M | $36M | $48M | $29M | $25M | $22M | $15M | |
| EPS (Basic) | $-4.03 | $2.91 | $0.95 | $3.73 | $4.85 | $2.99 | $2.51 | $2.31 | $2.14 | |
| EPS (Diluted) | $-4.03 | $2.88 | $0.95 | $3.70 | $4.82 | $2.99 | $2.51 | $2.30 | $2.13 | |
| Shares (Basic) | 8,729,970 | 8,690,416 | 8,837,558 | 9,530,921 | 9,918,083 | 9,840,205 | 10,041,581 | 9,490,506 | 7,118,628 | |
| Shares (Diluted) | 8,729,970 | 8,765,725 | 8,858,890 | 9,595,115 | 9,976,261 | 9,842,425 | 10,044,483 | 9,508,653 | 7,149,302 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $457M | $466M | $406M | $257M | $443M | $420M | $327M | $189M | $48M | |
| PP&E (Net) | $68M | $71M | $73M | $73M | $60M | $38M | $15M | $11M | $10M | |
| Accum. Depreciation | $24M | $19M | $15M | $11M | $7M | $11M | $9M | $8M | $6M | |
| Goodwill | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | |
| Total Assets | $5.57B | $5.74B | $5.17B | $4.54B | $4.21B | $4.25B | $4.10B | $3.54B | $2.77B | |
| Total Liabilities | $5.21B | $5.35B | $4.80B | $4.18B | $3.83B | $3.92B | $3.80B | $3.25B | $2.54B | |
| Long-term Debt | $250M | $295M | $615M | $615M | $515M | $515M | $515M | $525M | $410M | |
| Retained Earnings | $193M | $231M | $207M | $206M | $172M | $127M | $100M | $78M | $57M | |
| AOCI | $-20M | $-33M | $-29M | $-34M | $-11M | $-17M | $-14M | $-17M | $-5M | |
| Stockholders' Equity | $360M | $384M | $363M | $365M | $380M | $331M | $305M | $289M | $224M | |
| Liabilities + Equity | $5.57B | $5.74B | $5.17B | $4.54B | $4.21B | $4.25B | $4.10B | $3.54B | $2.77B |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $1M | $2M | $1M | $2M | $2M | $2M | $2M | $2M | $1M | |
| Deferred Tax | $-18M | $-1M | $-4M | $5M | $2M | $-4M | $-4M | $978.0K | $-3M | |
| Operating Cash Flow | $3M | $13M | $12M | $83M | $55M | $13M | $-44M | $29M | $25M | |
| CapEx | $1M | $3M | $5M | $18M | $30M | $26M | $4M | $2M | $2M | |
| Investing Cash Flow | $129M | $-496M | $-475M | $-601M | $44M | $-45M | $-313M | $-639M | $-908M | |
| Net Debt Issued | · | · | · | · | · | · | $0 | $-3M | · | |
| Stock Issued | · | · | · | · | · | $0 | $0 | $54M | $52M | |
| Stock Repurchased | $521.0K | $283.0K | $9M | $28M | $4M | $0 | $10M | $216.0K | $0 | |
| Net Stock Activity | $-521.0K | $-283.0K | $-9M | $-28M | $-4M | $0 | $-10M | $54M | $52M | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $-142M | $544M | $612M | $332M | $-76M | $124M | $495M | $750M | $892M | |
| Net Change in Cash | $-10M | $61M | $149M | $-186M | $23M | $92M | $139M | $141M | $9M | |
| Free Cash Flow | $2M | $10M | $6M | $65M | · | $-12M | $-48M | $27M | $23M | |
| Levered FCF | · | · | $-274M | $12M | · | $-75M | $-126M | $-22M | $3M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | -30.2% | 18.8% | 8.3% | 30.0% | 40.3% | 29.2% | 218.7% | 30.8% | 23.6% | |
| Pretax Margin | -43.7% | 20.4% | 4.9% | 33.9% | 47.4% | 33.6% | 235.3% | 33.7% | 35.5% | |
| ROA | -0.62% | 0.46% | 0.17% | 0.81% | 1.1% | 0.71% | 0.66% | 0.69% | 0.66% | |
| ROE | -9.4% | 6.6% | 2.4% | 9.8% | 12.8% | 9.1% | 8.4% | 7.6% | 8.1% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $13.34 | $15.37 | $11.40 | $12.33 | $11.97 | $10.25 | $1.15 | $7.47 | $9.03 | |
| Cash Flow / Share | $0.40 | $1.48 | $1.32 | $8.62 | · | $1.33 | $-4.34 | $3.09 | $3.44 | |
| Dividend / Share | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | $0.24 | |
| EPS (TTM) | $-4.03 | $2.88 | $0.95 | $3.70 | $4.82 | $2.99 | $2.51 | $2.30 | $2.13 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -13.6% | 33.4% | -14.6% | -0.88% | 18.4% | · | · | · | · | |
| Revenue CAGR 3Y | -0.53% | 4.1% | 0.05% | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 2.9% | · | · | · | · | · | · | · | · | |
| EPS YoY | · | 203.2% | -74.3% | -23.2% | 61.2% | · | · | · | · | |
| EPS CAGR 3Y | · | -15.8% | -31.8% | · | · | · | · | · | · | |
| Net Income YoY | · | 200.3% | -76.3% | -26.1% | 63.4% | · | · | · | · | |
| Net Income CAGR 3Y | · | -19.3% | -34.1% | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | -2.3% | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | · | · | · | · | · | · | $12M | $6M | $8M | |
| Net Income TTM | $-35M | $25M | $8M | $36M | $48M | $29M | $25M | $22M | $15M | |
| P/E | -5.2 | 12.5 | 25.5 | 6.6 | 9.8 | 9.6 | 9.4 | 8.9 | 17.9 | |
| Earnings Yield | -19.3% | 8.0% | 3.9% | 15.2% | 10.2% | 10.4% | 10.6% | 11.2% | 5.6% | |
| Payout Ratio | -5.9% | 8.2% | 25.6% | 6.5% | 5.0% | 8.0% | 9.6% | 10.2% | 11.0% | |
| Annual Payout | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | · | · | $46M | $40M | $32M | · | $15M | |
| Interest Income | $77M | $76M | $78M | $84M | $81M | $77M | $78M | $75M | $71M | $68M | $66M | $63M | $58M | $52M | $46M | $39M | |
| Pretax Income | $2M | $2M | $6M | $-55M | $-2M | $34.0K | $8M | $8M | $6M | $6M | $4M | $3M | $4M | $-5M | $7M | $9M | |
| Income Tax | $-780.0K | $-725.0K | $212.0K | $-13M | $-2M | $-909.0K | $999.0K | $620.0K | $218.0K | $429.0K | $-585.0K | $-326.0K | $-234.0K | $-2M | $503.0K | $987.0K | |
| Net Income | $2M | $3M | $5M | $-42M | $193.0K | $943.0K | $7M | $7M | $6M | $5M | $4M | $3M | $4M | $-3M | $6M | $8M | |
| EPS (Basic) | $0.27 | $0.29 | $0.60 | $-4.76 | $0.02 | $0.11 | $0.84 | $0.80 | $0.67 | $0.60 | $0.45 | $0.39 | $0.44 | $-0.33 | $0.71 | $0.89 | |
| EPS (Diluted) | $0.27 | $0.29 | $0.60 | $-4.76 | $0.02 | $0.11 | $0.82 | $0.80 | $0.67 | $0.59 | $0.45 | $0.39 | $0.44 | $-0.33 | $0.68 | $0.89 | |
| Shares (Basic) | 8,754,008 | 8,734,383 | · | 8,742,052 | 8,733,559 | 8,715,655 | · | 8,696,634 | 8,594,315 | 8,679,429 | · | 8,744,385 | 8,903,213 | 9,024,072 | · | 9,458,259,000 | |
| Shares (Diluted) | 8,822,099 | 8,774,111 | · | 8,742,052 | 8,760,374 | 8,784,970 | · | 8,768,731 | 8,656,215 | 8,750,297 | · | 8,767,217 | 8,908,180 | 9,024,072 | · | 9,525,855,000 | |
| EBITDA | · | $3M | · | · | · | $1M | · | · | · | $2M | · | · | · | $1M | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $411M | $602M | $457M | $788M | $446M | $394M | $466M | $712M | $397M | $481M | · | $521M | $466M | $304M | · | $221M | |
| PP&E (Net) | $66M | $67M | · | $69M | $70M | $70M | · | $72M | $73M | $73M | · | $74M | $74M | $74M | · | $71M | |
| Accum. Depreciation | $26M | $25M | · | $23M | $22M | $21M | · | $18M | $17M | $16M | · | $14M | $13M | $12M | · | $10M | |
| Goodwill | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | $5M | · | $5M | $5M | $5M | · | $5M | |
| Total Assets | $5.56B | $5.71B | $5.57B | $5.64B | $6.07B | $5.85B | $5.74B | $5.82B | $5.34B | $5.34B | · | $5.17B | $4.95B | $4.72B | · | $4.26B | |
| Total Liabilities | $5.19B | $5.35B | $5.21B | $5.29B | $5.68B | $5.46B | $5.35B | $5.44B | $4.97B | $4.97B | · | $4.82B | $4.59B | $4.37B | · | $3.90B | |
| Long-term Debt | · | · | $250M | · | · | · | $295M | · | · | · | · | $615M | $615M | $615M | · | $590M | |
| Retained Earnings | $197M | $195M | $193M | $189M | $231M | $231M | $231M | $224M | $217M | $212M | · | $204M | $201M | $198M | · | $200M | |
| AOCI | $-21M | $-21M | $-20M | $-23M | $-27M | $-29M | $-33M | $-24M | $-31M | $-30M | · | $-41M | $-33M | $-31M | · | $-39M | |
| Stockholders' Equity | $364M | $361M | $360M | $352M | $390M | $388M | $384M | $385M | $372M | $367M | $363M | $348M | $354M | $356M | $365M | $361M | |
| Liabilities + Equity | $5.56B | $5.71B | $5.57B | $5.64B | $6.07B | $5.85B | $5.74B | $5.82B | $5.34B | $5.34B | · | $5.17B | $4.95B | $4.72B | · | $4.26B |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $3M | · | $2M | $2M | $1M | · | $2M | $2M | $2M | · | $101.0K | $2M | $1M | · | $2M | |
| Stock-based Comp | $578.0K | $561.0K | $488.0K | $490.0K | $242.0K | $1.0K | $458.0K | $455.0K | $458.0K | $443.0K | $385.0K | $386.0K | $115.0K | $372.0K | $68.0K | $433.0K | |
| Other Non-cash | · | $70M | · | · | · | $31M | · | · | · | $-5M | · | · | · | $7M | · | · | |
| Operating Cash Flow | $24M | $76M | $24M | $37M | $-90M | $33M | $-6M | $331.0K | $16M | $3M | $12M | $4M | $-11M | $6M | $9M | $22M | |
| CapEx | $21.0K | $299.0K | $288.0K | $106.0K | $650.0K | $184.0K | $495.0K | $601.0K | $556.0K | $940.0K | $397.0K | $2M | $428.0K | $3M | $3M | $2M | |
| Investing Cash Flow | $-64M | $-62M | $-278M | $703M | $-80M | $-216M | $-155M | $-148M | $-100M | $-93M | $-110M | $-176M | $-56M | $-133M | $-239M | $-169M | |
| Stock Repurchased | · | · | $521.0K | $0 | $0 | $0 | $0 | $0 | $0 | $283.0K | $720.0K | $2M | $3M | $4M | $7M | $4M | |
| Net Stock Activity | · | · | · | · | · | $0 | · | · | · | $-283.0K | · | · | · | $-4M | · | · | |
| Dividends Paid | $523.0K | $521.0K | $516.0K | $517.0K | $534.0K | $520.0K | $498.0K | $531.0K | $530.0K | $519.0K | $533.0K | $532.0K | $543.0K | $548.0K | $584.0K | $565.0K | |
| Financing Cash Flow | $-151M | $131M | $-77M | $-399M | $222M | $112M | $-85M | $463M | $-379.0K | $166M | $-18M | $227M | $229M | $174M | $266M | $161M | |
| Net Change in Cash | $-191M | $145M | $-331M | $341M | $52M | $-72M | $-246M | $316M | $-84M | $75M | $-115M | $56M | $162M | $47M | $36M | $13M | |
| Taxes Paid | $17.0K | $-368.0K | · | $20.0K | $92.0K | $146.0K | · | $114.0K | $292.0K | $86.0K | · | $46.0K | $533.0K | $285.0K | · | $1.0K | |
| Free Cash Flow | · | $75M | · | · | · | $33M | · | · | · | $2M | · | · | · | $3M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | · | · | · | · | $-15M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 5.8% | 5.8% | · | -729.1% | 0.58% | 2.6% | · | 20.7% | 17.8% | 17.8% | · | 13.8% | 16.2% | -12.1% | · | 29.8% | |
| Pretax Margin | 3.9% | 4.1% | · | -956.1% | -5.5% | 0.10% | · | 22.5% | 18.5% | 19.3% | · | 12.4% | 15.2% | -21.4% | · | 33.3% | |
| EBITDA Margin | · | 6.3% | · | · | · | 3.0% | · | · | · | 6.4% | · | · | · | 4.2% | · | · | |
| ROA | 0.04% | 0.04% | · | -0.73% | 0.00% | 0.02% | · | 0.13% | 0.12% | 0.11% | · | 0.07% | · | · | · | 0.20% | |
| ROE | 0.63% | 0.67% | · | -11.3% | 0.05% | 0.25% | · | 1.9% | 1.6% | 1.4% | · | 0.97% | · | · | · | 2.3% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | · | · | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $4.66 | $4.91 | · | $0.65 | $3.83 | $4.04 | · | $3.85 | $3.74 | $3.32 | · | $0.00 | $0.00 | $0.00 | · | $0.00 | |
| Cash Flow / Share | · | $8.61 | · | · | · | $3.74 | · | · | · | $0.32 | · | · | · | $0.00 | · | · | |
| Dividend / Share | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | $0.06 | |
| EPS (TTM) | $-3.60 | $-3.85 | · | $-3.81 | $1.75 | $2.40 | · | $2.51 | $2.10 | $1.87 | · | $1.18 | $1.68 | $2.23 | · | $4.27 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income TTM | $-31M | $-34M | · | $-33M | $15M | $21M | · | $22M | $19M | $17M | · | $11M | $16M | $21M | · | $42M | |
| P/E | -7.7 | -5.3 | · | -5.9 | 15.4 | 11.2 | · | 13.6 | 12.9 | 18.6 | · | 13.7 | 8.8 | 7.5 | · | 7.9 | |
| Earnings Yield | -13.0% | -18.9% | · | -17.0% | 6.5% | 9.0% | · | 7.3% | 7.8% | 5.4% | · | 7.3% | 11.3% | 13.4% | · | 12.6% | |
| Payout Ratio | · | 20.8% | · | · | · | 55.1% | · | · | · | 10.0% | · | · | · | -18.2% | · | · | |
| Annual Payout | $2M | $2M | · | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $2M | $2M | $2M | · | $2M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $-35M | $25M | $8M | $36M | $48M |
| Diluted EPS | $-4.03 | $2.88 | $0.95 | $3.70 | $4.82 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $2M | $10M | $6M | $65M | · |
Institutional owners (13F) 132 filers · $181.2M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
132
Value held
$181.2M
New positions
14
Exited positions
8
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 14 (-5 vs prior Q) | 8 (-5 vs prior Q) | 44 (0 vs prior Q) | 37 (+2 vs prior Q) | +147K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $20,208,824 | 726,936 | 11.16% | Shares |
| PATRIOT FINANCIAL PARTNERS GP, LP | $10,779,341 | 400,719 | 5.95% | Shares |
| HEARTLAND ADVISORS INC | $10,450,020 | 375,900 | 5.77% | Shares |
| AEGIS FINANCIAL CORP | $9,848,456 | 354,261 | 5.44% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $9,628,558 | 346,351 | 5.32% | Shares |
| VANGUARD GROUP INC | $9,266,217 | 443,997 | 5.12% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $9,113,584 | 327,830 | 5.03% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $8,052,020 | 289,641 | 4.44% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $6,319,168 | 227,248 | 3.49% | Shares |
| Simcoe Capital LLC | $5,804,001 | 208,777 | 3.20% | Shares |
| Quantinno Capital Management LP | $5,556,996 | 199,891 | 3.07% | Shares |
| D. E. Shaw & Co., Inc. | $4,667,230 | 167,886 | 2.58% | Shares |
| BANC FUNDS CO LLC | $4,508,493 | 162,176 | 2.49% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $4,129,579 | 148,546 | 2.28% | Shares |
| Foundry Partners, LLC | $3,999,888 | 149,361 | 2.21% | Shares |
| STATE STREET CORP | $3,769,312 | 135,299 | 2.08% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $2,789,591 | 100,345 | 1.54% | Shares |
| GOLDMAN SACHS GROUP INC | $2,245,517 | 80,774 | 1.24% | Shares |
| Gator Capital Management, LLC | $2,195,922 | 78,990 | 1.21% | Shares |
| SAPIENT CAPITAL LLC | $2,167,703 | 77,807 | 1.20% | Shares |
| CALDWELL SUTTER CAPITAL, INC. | $2,082,192 | 74,899 | 1.15% | Shares |
| Nuveen, LLC | $1,955,035 | 70,325 | 1.08% | Shares |
| AMERICAN CENTURY COMPANIES INC | $1,884,451 | 67,786 | 1.04% | Shares |
| MORGAN STANLEY | $1,859,736 | 66,896 | 1.03% | Shares |
| NORTHERN TRUST CORP | $1,817,869 | 65,391 | 1.00% | Shares |
| CITADEL ADVISORS LLC | $1,756,988 | 63,201 | 0.97% | Shares |
| Trexquant Investment LP | $1,687,293 | 60,694 | 0.93% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $1,648,901 | 59,313 | 0.91% | Shares |
| Fiduciary Trust Co | $1,524,219 | 54,828 | 0.84% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,489,635 | 53,584 | 0.82% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,445,961 | 52,013 | 0.80% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,444,265 | 51,952 | 0.80% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $1,257,366 | 45,229 | 0.69% | Shares |
| TWO SIGMA INVESTMENTS, LP | $1,142,914 | 41,112 | 0.63% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,107,830 | 39,850 | 0.61% | Shares |
| MILLENNIUM MANAGEMENT LLC | $1,093,708 | 39,342 | 0.60% | Shares |
| AMERIPRISE FINANCIAL INC | $882,072 | 31,727 | 0.49% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $832,693 | 29,953 | 0.46% | Shares |
| Squarepoint Ops LLC | $804,254 | 28,930 | 0.44% | Shares |
| Walleye Capital LLC | $774,341 | 27,854 | 0.43% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $771,950 | 27,768 | 0.43% | Shares |
| TWO SIGMA ADVISERS, LP | $724,189 | 34,700 | 0.40% | Shares |
| STRS OHIO | $695,000 | 25,000 | 0.38% | Shares |
| Valeo Financial Advisors, LLC | $672,761 | 24,200 | 0.37% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $569,900 | 20,500 | 0.31% | Call option |
| Bank of New York Mellon Corp | $557,793 | 20,064 | 0.31% | Shares |
| Russell Investments Group, Ltd. | $544,338 | 19,580 | 0.30% | Shares |
| Qube Research & Technologies Ltd | $526,337 | 18,933 | 0.29% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $510,130 | 18,350 | 0.28% | Shares |
| PERRITT CAPITAL MANAGEMENT INC | $476,489 | 22,831 | 0.26% | Shares |
Activists & 5%+ owners 1 position
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| John C. Lame and Susan K. Lame Inheritance Trust 5/18/2020, John C. Lame IRA, John C. Lame, John C. Lame Roth IRA, Susan K. Lame IRA, Susan K. Lame Roth IRA | April 8, 2026 | 1.72% | Initial filing | Passive investment | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 19 insiders · 6 officers · 14 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| David B Becker | Chairman and CEO | Jan. 20, 2026 A | 432,810 | 1 | 0 | $93,350 |
| Kenneth J. Lovik | Executive Vice President & CFO | Jan. 31, 2026 A | 51,733 | 0 | 0 | $0 |
| Kay E. Whitaker | SVP-Finance, CFO & Secretary | Jan. 1, 2014 F | 27,130 | 0 | 0 | $0 |
| Nicole S. Lorch | President & COO | Jan. 20, 2026 A | 78,449 | 1 | 0 | $35,920 |
| Charles C. Perfetti | Executive Vice President | March 31, 2022 F | 63,137 | 0 | 0 | $0 |
| Edward A. Roebuck | SVP and Chief Credit Officer | March 31, 2015 F | 5,005 | 0 | 0 | $0 |
| Michele L. Raines | Director | May 18, 2026 A | 6,440 | 0 | 0 | $0 |
| Joseph A. Fenech | Director | May 18, 2026 A | 12,535 | 1 | 0 | $19,830 |
| Justin P. Christian | Director | May 18, 2026 A | 13,278 | 0 | 0 | $0 |
| Aasif M. Bade | Director | May 18, 2026 A | 14,335 | 0 | 0 | $0 |
| Ann C. Dee | Director | May 18, 2026 A | 19,532 | 1 | 0 | $19,913 |
| John K Keach JR | Director | May 18, 2026 A | 39,571 | 1 | 0 | $38,680 |
| Jean L Wojtowicz | Director | May 18, 2026 A | 42,421 | 0 | 0 | $0 |
| David R. Lovejoy | Director | July 18, 2022 A | 18,261 | 0 | 0 | $0 |
| Ana Dutra | Director | July 18, 2022 A | 4,972 | 0 | 0 | $0 |
| Jerry L. Williams | Director | Feb. 8, 2022 S | 0 | 0 | 0 | $0 |
| Ralph R Whitney JR | Director | Jan. 18, 2022 A | 28,563 | 0 | 0 | $0 |
| Michael L Smith | Director | Jan. 18, 2021 A | 3,273 | 0 | 0 | $0 |
| Ann D. Murtlow | Director | Jan. 30, 2020 A | 7,960 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 21 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.05% | 26,397 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 44,729 SH | Aug. 19, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.01% | 6,719 SH | Aug. 19, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 7,581 SH | Oct. 2, 2026 | Daily |
| IWM · iShares Trust | 0.01% | 197,038 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 3,692 NS | July 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 18,272 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 28,410 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 689 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 7,557 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 16,254 NS | July 31, 2026 | N-PORT |
| DFUV · Dimensional ETF Trust | 0.00% | 5,329 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 751 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 904 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 4,125 SH | Sept. 3, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 857 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,172 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 94,949 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 242,202 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 565 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 73,031 SH | Sept. 11, 2026 | Daily |
INBK Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 11 analysts
BUY
Median target
$29.50
+8.7%
2 18.2%
Strong Buy
5 45.5%
Buy
4 36.4%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
5 analysts · 2026-10-01Mean target $30.90 +13.9%
← Below all targets
Current price $27.13
Low$28.00
Mean$30.90
High$35.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
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Source: SEC 10-Q filed Aug 5, 2026