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Upturn AI SWOT - About
INBK 
First Internet Bancorp (INBK)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/28/2025: INBK (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $26.1
1 Year Target Price $26.1
| 2 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 61.68% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 173.00M USD | Price to earnings Ratio - | 1Y Target Price 26.1 |
Price to earnings Ratio - | 1Y Target Price 26.1 | ||
Volume (30-day avg) 5 | Beta 0.79 | 52 Weeks Range 18.48 - 42.89 | Updated Date 10/28/2025 |
52 Weeks Range 18.48 - 42.89 | Updated Date 10/28/2025 | ||
Dividends yield (FY) 1.21% | Basic EPS (TTM) -3.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate -2.34 | Actual -4.76 |
Profitability
Profit Margin -70.89% | Operating Margin (TTM) 182.09% |
Management Effectiveness
Return on Assets (TTM) -0.58% | Return on Equity (TTM) -8.99% |
Valuation
Trailing PE - | Forward PE 8.45 | Enterprise Value -265135072 | Price to Sales(TTM) 3.7 |
Enterprise Value -265135072 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 4.1 | Enterprise Value to EBITDA - | Shares Outstanding 8713094 | Shares Floating 8062139 |
Shares Outstanding 8713094 | Shares Floating 8062139 | ||
Percent Insiders 7.67 | Percent Institutions 76.94 |
Upturn AI SWOT
First Internet Bancorp
Company Overview
History and Background
First Internet Bancorp was founded in 1999 in Indianapolis, Indiana, as the first state-chartered, FDIC-insured institution to operate solely online. It pioneered online banking and has since grown to offer a range of commercial and consumer banking services nationwide.
Core Business Areas
- Commercial Banking: Provides lending and deposit services to businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Consumer Banking: Offers deposit accounts, residential mortgage loans, and other consumer lending products.
- Small Business Administration (SBA) Lending: Offers SBA loans to small businesses.
- Healthcare Finance: Specializes in financing solutions for healthcare providers.
Leadership and Structure
David Becker is the Chairman and CEO. The company operates with a traditional corporate structure with executive leadership overseeing various business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. Market share data is difficult to pinpoint precisely for First Internet Bancorp alone, but the overall commercial real estate lending market is highly competitive with large national and regional banks such as JP Morgan Chase (JPM) and Bank of America (BAC) as major competitors. Revenue attributable to this offering is part of their overall Commercial Banking revenue.
- SBA Loans: Offers SBA 7(a) and 504 loans to small businesses. The SBA lending market is also competitive, including lenders like Live Oak Bancshares (LOB) and Wells Fargo (WFC). Revenue attributable to this offering is part of their overall Commercial Banking revenue.
- Single-Family Residential Mortgages: Provides mortgage financing for consumers. Competitors include Rocket Companies (RKT) and UWM Holdings Corporation (UWMC).
Market Dynamics
Industry Overview
The banking industry is currently facing a mixed environment with rising interest rates, increasing competition for deposits, and concerns about a potential economic slowdown. Technological advancements and regulatory changes are also shaping the landscape.
Positioning
First Internet Bancorp differentiates itself through its online-only model, which allows for lower overhead costs and the ability to offer competitive rates. It focuses on niche markets like SBA lending and healthcare finance. Their digital-first approach, focused on convenience, attracts a national customer base.
Total Addressable Market (TAM)
The TAM for commercial and consumer banking is vast, encompassing trillions of dollars. First Internet Bancorp's niche strategy allows it to target specific segments within this large market. Its positioning enables it to serve customers nationwide without the cost of a physical branch network, increasing the TAM reachable.
Upturn SWOT Analysis
Strengths
- Online-only business model
- Focus on niche markets
- Strong digital capabilities
- National reach
- Experienced management team
Weaknesses
- Lack of physical branches
- Reliance on technology
- Smaller size compared to competitors
- Potential for cybersecurity risks
- Limited brand recognition compared to larger national banks
Opportunities
- Expansion into new niche markets
- Increased adoption of online banking
- Strategic partnerships with fintech companies
- Growing demand for SBA loans
- Leveraging data analytics to improve customer experience
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- ALLY
- LOB
- PBCT
Competitive Landscape
First Internet Bancorp faces competition from larger national banks, regional banks, and fintech companies. Its online-only model and focus on niche markets provide a competitive advantage. Its lack of a physical presence can be a disadvantage in certain markets.
Growth Trajectory and Initiatives
Historical Growth: First Internet Bancorp has experienced growth in recent years, driven by its online-only model and focus on niche markets. However, growth rates may vary depending on economic conditions and competitive pressures.
Future Projections: Future projections depend on analyst estimates, which are subject to change. Factors that could influence future growth include interest rates, economic conditions, and competitive dynamics.
Recent Initiatives: Recent initiatives may include the introduction of new products and services, strategic partnerships, and investments in technology.
Summary
First Internet Bancorp is a digitally-focused bank targeting commercial and consumer clients nationally. Its streamlined operational model and niche-market strategy supports growth. However, its relatively small size and lack of branch footprint may limit its reach. Competitive pressures from larger banks and fintech and cybersecurity risks remain significant concerns, but strong financial metrics and a focus on innovation could continue to drive momentum.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market data is dynamic and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About First Internet Bancorp
Exchange NASDAQ | Headquaters Fishers, IN, United States | ||
IPO Launch date 2004-12-28 | Chairman & CEO Mr. David B. Becker | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 323 | |
Full time employees 323 | |||
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, public and healthcare finance, small business lending, franchise finance, residential mortgage, home equity, and other consumer loans. In addition, the company is involved in the provision of municipal finance lending and leasing products to government entities, as well as treasury management services; purchase, manage, service, and safekeeping of municipal securities; and offers corporate credit cards. First Internet Bancorp was founded in 1998 and is headquartered in Fishers, Indiana.
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