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First Internet Bancorp

INBK

$25.68 ▼ -1.55 (-5.67%) at close

15 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

First Internet Bancorp faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $224.2M

Dividend Yield 0.93%

Revenue Growth -13.5% ↘

Op. Margin -43.7% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 0.6x

FCF Yield —

Debt / Equity 0.69

info Valuation on last close. End-of-day price, Nov 5, 2026.

15-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$116.47M

↓ -13.5% —

Net Income Profit after all expenses

$-35.17M

↓ -239.1% —

Operating Margin Operating profit as % of sales

-43.7%

↓ -313.6% 6th

Long-Term Debt Long-term obligations

$249.50M

↓ -15.4% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.24 Latest / share

+0.0% YoY

+0.0% 12-yr CAGR

$0.24

FY 2014

$0.24

FY 2015

$0.24

FY 2016

$0.24

FY 2017

$0.24

FY 2018

$0.24

FY 2019

$0.24

FY 2020

$0.24

FY 2021

$0.24

FY 2022

$0.24

FY 2023

$0.24

FY 2024

$0.24

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue Growth YoY (%)	-13.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-326%)	33.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+456%)	-14.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-344%)	-0.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-115%)	18.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+206%)	26.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+341%)	12.3% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+105%)	10.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+68%)	20.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+233%)	31.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+425%)	38.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+547%)	9.3% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+54%)	-1.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-118%)	—	—
EPS Growth YoY (%)	N/M	206.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-74.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-23.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	62.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	19.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	8.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	7.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-7.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	17.8% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	105.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-36.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-22.6% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	200.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-76.3% Weak ↓ Weak Declining Year-over-year change in net income	-26.1% Weak ↓ Weak Declining Year-over-year change in net income	63.4% Excellent ↑ Excellent Improving Year-over-year change in net income	16.7% Good ↓ Good Declining Year-over-year change in net income	15.2% Good ↓ Good Declining Year-over-year change in net income	43.8% Excellent ↓ Excellent Declining Year-over-year change in net income	26.1% Excellent ↓ Excellent Declining Year-over-year change in net income	35.2% Excellent ↑ Excellent Improving Year-over-year change in net income	106.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.9% Weak Weak Year-over-year change in net income	-18.1% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	14.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	14.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	20.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	29.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	25.9% Excellent Excellent Compound annual revenue growth over 3 years	14.5% Good Good Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	7.3% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	12.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	17.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	19.8% Excellent → Excellent Stable Compound annual revenue growth over 5 years	22.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	21.4% Excellent Excellent Compound annual revenue growth over 5 years	18.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	-15.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-31.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.1% Good → Good Stable Compound annual EPS growth over 3 years	28.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	11.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	2.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	5.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	30.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	15.4% Excellent Excellent Compound annual EPS growth over 3 years	0.3% Caution Caution Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Operating Margin (%) (%)	-43.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-275%)	20.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	4.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	33.9% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	47.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	33.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	30.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	8.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-70.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	-30.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-237%)	18.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	8.3% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	30.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	40.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	29.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	31.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	30.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	23.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	22.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	21.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	14.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	17.0% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	20.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-9.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-181%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-81%)	9.7% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	12.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	8.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	8.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	7.6% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	6.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	7.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	8.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	4.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	5.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	9.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Debt to Equity (x)	0.69x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	0.77x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-36%)	1.69x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+41%)	1.68x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+40%)	1.35x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+13%)	1.56x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+30%)	1.69x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+41%)	1.82x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+52%)	1.83x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+53%)	1.23x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.83x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+53%)	1.10x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-8%)	0.35x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-71%)	0.66x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Revenue per Share (USD)	$13.34	$15.50	$11.43	$12.42	$12.04	$10.25	$7.94	$7.48	$9.06	$10.32	$9.03	$6.55	$8.87	$9.50	—
Basic EPS, GAAP (USD)	$-4.03	$2.91	$0.95	$3.73	$4.85	$2.99	$2.51	$2.31	$2.14	$2.32	$1.97	$0.96	$1.51	$1.95	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.22	$0.17	—
Book Value per Share (USD)	$41.21	$44.19	$41.05	$38.29	$38.35	$33.63	$30.37	$30.42	$31.48	$29.54	$23.04	$21.52	$29.89	$21.38	—
Tangible Book Value per Share (USD)	$40.67	$43.65	$40.52	$37.80	$37.88	$33.16	$29.90	$29.93	$30.83	$28.64	$22.00	$20.48	$28.35	$19.75	—
Basic Weighted Avg Shares (shares)	8.73M	8.69M	8.84M	9.53M	9.92M	9.84M	10.04M	9.49M	7.12M	5.21M	4.53M	4.50M	3.04M	2.87M	—
Dividend Payout Ratio (%)	-6.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	8.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	6.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	4.9% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	8.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	9.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	10.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	11.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	10.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	12.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	25.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	14.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	8.5% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$249.50M	$295.00M	$614.93M	$614.93M	$514.92M	$514.92M	$514.91M	$525.15M	$410.18M	$189.98M	$190.96M	$106.90M	$31.79M	$40.69M	—
Total Equity (USD)	$359.77M	$384.06M	$362.80M	$364.97M	$380.34M	$330.94M	$304.91M	$288.74M	$224.13M	$153.94M	$104.33M	$96.78M	$90.91M	$61.35M	$55.42M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Sales/Revenue/Turnover (USD)	$116.47M	$134.72M	$101.03M	$118.35M	$119.40M	$100.88M	$79.76M	$71.03M	$64.52M	$53.77M	$40.89M	$29.46M	$26.96M	$27.27M	—
Depreciation Expense (USD)	$6.19M	$8.46M	$5.75M	$8.73M	$8.78M	$7.83M	$6.93M	$5.67M	$5.30M	$3.80M	$1.94M	$1.90M	$2.26M	$2.86M	—
Net Income, GAAP (USD)	$-35.17M	$25.28M	$8.42M	$35.54M	$48.11M	$29.45M	$25.24M	$21.90M	$15.23M	$12.07M	$8.93M	$4.32M	$4.59M	$5.61M	—
Operating Cash Flow (USD)	$3.45M	$12.99M	$11.68M	$82.72M	$54.84M	$13.07M	$-43.58M	$29.36M	—	—	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗
Net Interest Margin (approx.) (%)	2.0%	1.5%	1.4%	2.1%	2.1%	1.5%	1.5%	1.8%	2.0%	2.1%	2.4%	2.3%	2.2%	2.5%	—
Efficiency Ratio (%) (%)	81.6%	66.9%	78.6%	61.9%	51.8%	57.2%	58.5%	60.8%	56.9%	58.5%	61.8%	76.9%	76.0%	60.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 15 years · 59 quarters

First Internet Bancorp

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