US · INBKZ
First Internet Bancorp - Fixed-
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Fishers, IN
- Website
- firstinternetbancorp.com
Price · as of 2025-12-31
$24.95
Market cap 212.08M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $66.94 | +168.3% |
| Intrinsic Value(DCF) | $17.45 | -30.06% |
| Graham-Dodd Method(GD) | $20.53 | -17.71% |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $23.31 | $6.50 | |||
| 2012 | $27.01 | $61.11 | |||
| 2013 | $33.68 | $10.54 | |||
| 2014 | $21.68 | $17.02 | |||
| 2015 | $28.24 | $81.29 | |||
| 2016 | $36.78 | $110.59 | |||
| 2017 | $37.99 | $79.99 | |||
| 2018 | $37.94 | $86.74 | |||
| 2019 | $16.76 | $246.83 | $338.95 | $38.85 | $97.85 |
| 2020 | $17.82 | $124.00 | $59.20 | $44.54 | $38.65 |
| 2021 | $19.27 | $14.61 | $29.56 | $58.48 | $15.31 |
| 2022 | $18.57 | $35.62 | $25.62 | $52.80 | $56.00 |
| 2023 | $19.56 | $89.03 | $22.38 | $41.62 | $52.93 |
| 2024 | $22.75 | $56.70 | $157.43 | $54.61 | $102.66 |
| 2025 | $24.40 | $66.94 | $15.21 | $20.53 | $0.00 |
AI valuation
Our deep-learning model estimates First Internet Bancorp - Fixed-'s (INBKZ) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $66.94
- Current price
- $24.95
- AI upside
- +168.3%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$17.45
-30.06% upside
Graham-Dodd
$20.53
-17.71% upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| INBKZ | First Internet Bancorp - … | $24.95 | 212.08M | +168% | -30% | -18% | — | -6.06 | 0.59 | 0.66 | 4.26 | — | 0.60 | 13.68% | -15.76% | -10.89% | -9.46% | 42.47% | -0.62% | 0.99 | -0.25 | 0.32 | 0.32 | -6.86 | -23993.00% | -317.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.26 | — | -0.67 | -0.27 |
| BPRN | Princeton Bancorp, Inc. | $33.97 | 229.84M | +414% | -31% | +51% | +11% | 12.49 | 0.86 | 1.67 | -1.86 | 16.69 | 0.92 | 55.83% | 17.04% | 13.39% | 6.99% | 72.14% | 0.81% | 0.00 | 0.43 | 1.93 | 1.93 | -5.73 | 7484.00% | 602.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 53.77% | -1.86 | — | -0.32 | 0.79 |
| CBNA | Chain Bridge Bancorp, Inc… | $34.50 | 226.38M | +47% | +6,899% | +44% | +766% | 5.38 | 0.78 | 1.98 | -24.53 | 2.66 | 0.78 | 93.16% | 46.08% | 36.75% | 18.40% | -3.77% | 1.61% | 0.00 | 7.09 | 0.62 | 0.62 | -15.35 | 20217.00% | 6638.00% | 7200.00% | 19.15% | 0.02 | -3.88% | 0.00% | 0.00% | 87.86% | -24.99 | -30.43 | -11.51 | -0.17 |
| CFFI | C&F Financial Corporation | $72.82 | 235.81M | +359% | +82% | +68% | +121% | 8.96 | 0.92 | 1.30 | 10.74 | 23.62 | 0.92 | 69.46% | 17.77% | 14.42% | 11.05% | 9.11% | 1.01% | 0.43 | 0.73 | — | — | 3.43 | 3794.00% | 1178.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 10.74 | — | 1.91 | 0.16 |
| FBLA | FB Bancorp, Inc. Common S… | $13.17 | 261.26M | +712% | +2% | +32% | — | -31.11 | 0.59 | 2.25 | -20.47 | — | 0.59 | 75.60% | -7.39% | -7.23% | -2.57% | -3.43% | -0.53% | 0.23 | -0.33 | 0.26 | 0.26 | 7.64 | -67099.00% | 877.00% | -3442.00% | -4.76% | 0.00 | -5.08% | 0.00% | 0.00% | 63.36% | -10.69 | -7.37 | 0.79 | -0.21 |
| FCCO | First Community Corporati… | $28.82 | 221.62M | +60% | -11% | -39% | +109% | 12.37 | 1.19 | 1.75 | 6.91 | 73.74 | 1.33 | 61.24% | 18.04% | 14.16% | 10.13% | 84.56% | 0.74% | 0.84 | 0.48 | 0.09 | 0.09 | -1.48 | 1677.00% | 2578.00% | -1238.00% | 5.66% | 0.01 | 59.23% | 2.56% | 31.60% | 63.90% | 7.64 | 13.89 | 1.38 | -0.81 |
| FSFG | First Savings Financial G… | $33.98 | 238.37M | -14% | -33% | -25% | -27% | 14.76 | 1.13 | 1.49 | 14.70 | 22.24 | 1.22 | 50.14% | 10.87% | 10.11% | 8.29% | 5.13% | 0.57% | 1.98 | 0.23 | 0.17 | 0.17 | 17.53 | 6639.00% | 458.00% | 20371.00% | 45.11% | 0.05 | 34.19% | 2.02% | 29.80% | 43.26% | 17.08 | 2.76 | 1.86 | -0.55 |
| FXNC | First National Corporatio… | $26.55 | 239.24M | +433% | +59% | +14% | +153% | 13.62 | 1.29 | 2.15 | 2.06 | 14.18 | 1.42 | 74.03% | 19.56% | 15.78% | 10.04% | 154.58% | 0.87% | 0.23 | 0.84 | 0.48 | 0.48 | 0.99 | 9600.00% | 2711.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.06 | — | 0.40 | 0.09 |
| ISTR | Investar Holding Corporat… | $28.23 | 277.81M | +86% | -29% | -12% | +36% | 8.32 | 0.70 | 1.08 | 8.56 | 39.08 | 0.84 | 54.87% | 15.59% | 12.94% | 8.65% | 17.91% | 0.73% | 0.42 | 0.33 | 0.02 | 0.02 | 2.66 | 2130.00% | 1096.00% | -3874.00% | 9.15% | 0.01 | 13.64% | 2.36% | 19.60% | 2.54% | 9.65 | 15.27 | 1.50 | -0.82 |
| LCNB | LCNB Corp. | $16.99 | 241.03M | +415% | -14% | +25% | -31% | 10.55 | 0.89 | 1.96 | 3.96 | 15.50 | 1.40 | 72.26% | 22.66% | 18.61% | 8.77% | 10.99% | 1.02% | 0.43 | 0.87 | 0.55 | 0.55 | 3.55 | 6804.00% | -94.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 10.44% | 3.96 | — | 0.90 | 0.16 |
| VABK | Virginia National Banksha… | $38.72 | 208.82M | +473% | -20% | +31% | -18% | 11.24 | 1.18 | 2.60 | 10.25 | 88.55 | 1.25 | 68.95% | 28.90% | 23.11% | 11.18% | 10.28% | 1.18% | 0.20 | 0.94 | 0.01 | 0.01 | 1.25 | 1270.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 10.25 | — | 2.96 | -0.22 |
About First Internet Bancorp - Fixed-
First Internet Bancorp engages in the provision of online commercial and retail banking products and services. It offers first-lien residential mortgage loans, consumer loans and credit cards & CRE loans in Indiana and other parts of the midwest in the form of office, retail, industrial, and multifamily loans, with credit tenant lease financing. The company was founded on September 15, 2005 and is headquartered in Indianapolis, IN.
- CEO
- None
- Employees
- 290
- Beta
- 0.84
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($17.45 ÷ $24.95) − 1 = -30.06% (DCF, example).