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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
12/02/2025: 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 12/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 171.65M 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 0.85 | 52 Weeks Range 17.05 - 42.38 | Updated Date 12/1/2025 |
52 Weeks Range 17.05 - 42.38 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 1.26% | Basic EPS (TTM) -3.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 -261264944 | Price to Sales(TTM) 3.67 |
Enterprise Value -261264944 | Price to Sales(TTM) 3.67 | ||
Enterprise Value to Revenue 4.82 | Enterprise Value to EBITDA - | Shares Outstanding 8706094 | Shares Floating 8037379 |
Shares Outstanding 8706094 | Shares Floating 8037379 | ||
Percent Insiders 7.81 | Percent Institutions 76.84 |
Upturn AI SWOT
First Internet Bancorp
Company Overview
History and Background
First Internet Bancorp was founded in 1999 as the first state-chartered, FDIC-insured institution to operate exclusively online. It has grown through organic growth and acquisitions, focusing on niche commercial lending and retail banking services.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, including commercial real estate loans, construction loans, and equipment financing.
- Retail Banking: Provides deposit accounts, consumer loans, and other retail banking services to individuals and small businesses.
- Mortgage Banking: Offers mortgage loan products through First Internet Bank.
Leadership and Structure
David Becker is the Chairman and CEO. The company has a board of directors and a management team overseeing various departments, including lending, finance, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Commercial real estate loans are a significant portion of the loan portfolio. While market share data is difficult to pinpoint, major competitors include traditional regional and national banks, credit unions, and other online lenders. Competitors: JPM, BAC, WFC
- SBA Lending: Provides Small Business Administration (SBA) loans to small businesses. Market share data is fragmented, with many regional and national lenders participating in the SBA program. Competitors: Lendio, Funding Circle, SmartBiz
- Mortgage Loans: Offer both purchase and refinance mortgage loans. Competitors: Rocket Mortgage, UWM, LoanDepot
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Digital banking is growing, increasing competition for traditional banks.
Positioning
First Internet Bancorp differentiates itself as a digital-only bank, focusing on niche lending markets and providing personalized service. Its competitive advantage lies in its cost-efficient online platform and ability to serve customers nationwide.
Total Addressable Market (TAM)
The TAM for digital banking is substantial and growing. Estimates project the global digital banking market to reach trillions of dollars in the coming years. First Internet Bancorp is positioned to capture a portion of this market through its focus on niche lending and digital platform.
Upturn SWOT Analysis
Strengths
- Digital-only platform
- Niche lending expertise
- Strong customer service
- Nationwide reach
- Cost Efficiency
Weaknesses
- Lack of physical branches
- Smaller scale compared to larger banks
- Reliance on digital channels for customer acquisition
- Interest Rate Sensitivity
Opportunities
- Expansion into new niche markets
- Increased adoption of digital banking
- Partnerships with fintech companies
- Growth in SBA lending
Threats
- Increased competition from fintech companies
- Regulatory changes
- Cybersecurity risks
- Economic downturn
Competitors and Market Share
Key Competitors
- ALLY
- SFBC
- TCBI
- PBCT
Competitive Landscape
First Internet Bancorp's digital-only model offers cost advantages but faces competition from larger banks with established brands and physical presence. It competes on customer service and niche lending expertise.
Major Acquisitions
acquired company name unknown
- Year: 2018
- Acquisition Price (USD millions): 21.3
- Strategic Rationale: Strengthened its position within the commercial finance business of First Internet Bank through the acquisition of certain assets and assumption of certain liabilities of Cambridge Capital Management Corp.
Growth Trajectory and Initiatives
Historical Growth: Historical growth patterns not provided due to lack of detailed financial information.
Future Projections: Future projections not available without financial data. Analyst reports required.
Recent Initiatives: First Internet Bancorp has focused on expanding its niche lending businesses and enhancing its digital platform.
Summary
First Internet Bancorp is a niche digital bank with potential in commercial lending and retail banking services. Strengths include their efficiency and customer service but face challenges with competition from bigger institutions and risks in regulation. They need to leverage digital opportunities and partnerships and mitigate cybersecurity risk.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Third-Party Financial Data Providers
- Analyst Reports (Unavailable at this time)
Disclaimers:
The information provided is for general informational purposes only and should not be construed as investment advice. Market share data is estimated and may not be precise. Financial metrics and future projections are unavailable until analyst reports can be referenced, as well as historical data.
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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