First Internet Bancorp (INBK)
First Internet Bancorp Statistics
Share Statistics
First Internet Bancorp has 8.7M shares outstanding. The number of shares has increased by 0.48% in one year.
| Shares Outstanding | 8.7M |
| Shares Change (YoY) | 0.48% |
| Shares Change (QoQ) | 0.34% |
| Owned by Institutions (%) | 74% |
| Shares Floating | 7.25M |
| Failed to Deliver (FTD) Shares | 100 |
| FTD / Avg. Volume | 0.26% |
Short Selling Information
The latest short interest is 51.77K, so 0.6% of the outstanding shares have been sold short.
| Short Interest | 51.77K |
| Short % of Shares Out | 0.6% |
| Short % of Float | 0.72% |
| Short Ratio (days to cover) | 1.19 |
Valuation Ratios
The PE ratio is 12.37 and the forward PE ratio is 4.69. First Internet Bancorp's PEG ratio is 0.06.
| PE Ratio | 12.37 |
| Forward PE | 4.69 |
| PS Ratio | 1.07 |
| Forward PS | 1.1 |
| PB Ratio | 0.81 |
| P/FCF Ratio | 24.07 |
| PEG Ratio | 0.06 |
Enterprise Valuation
First Internet Bancorp has an Enterprise Value (EV) of 703.67M.
| EV / Sales | 2.41 |
| EV / EBITDA | 0 |
| EV / EBIT | 54.16 |
| EV / FCF | 54.16 |
Financial Position
The company has a current ratio of 250.41, with a Debt / Equity ratio of 1.04.
| Current Ratio | 250.41 |
| Quick Ratio | 250.41 |
| Debt / Equity | 1.04 |
| Debt / EBITDA | - |
| Debt / FCF | 30.8 |
| Interest Coverage | 1.4 |
Financial Efficiency
Return on Equity is 6.58% and Return on Invested Capital is 37.52%.
| Return on Equity | 6.58% |
| Return on Assets | 0.44% |
| Return on Invested Capital | 37.52% |
| Revenue Per Employee | $903.67K |
| Profits Per Employee | $78.25K |
| Employee Count | 323 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 2.27M |
| Effective Tax Rate | 8.23% |
Stock Price Statistics
The stock price has increased by -26.04% in the last 52 weeks. The beta is 0.53, so First Internet Bancorp's price volatility has been higher than the market average.
| Beta | 0.53 |
| 52-Week Price Change | -26.04% |
| 50-Day Moving Average | 27.96 |
| 200-Day Moving Average | 33.72 |
| Relative Strength Index (RSI) | 41.5 |
| Average Volume (20 Days) | 38.03K |
Income Statement
In the last 12 months, First Internet Bancorp had revenue of 291.89M and earned 25.28M in profits. Earnings per share was 2.91.
| Revenue | 291.89M |
| Gross Profit | 291.89M |
| Operating Income | 285.55M |
| Net Income | 25.28M |
| EBITDA | 0 |
| EBIT | -8.46M |
| Earnings Per Share (EPS) | 2.91 |
Balance Sheet
The company has 9.25M in cash and 400.15M in debt, giving a net cash position of -390.9M.
| Cash & Cash Equivalents | 9.25M |
| Total Debt | 400.15M |
| Net Cash | -390.9M |
| Retained Earnings | 230.62M |
| Total Assets | 5.74B |
| Working Capital | 622.29M |
Cash Flow
In the last 12 months, operating cash flow was 12.99M and capital expenditures 0, giving a free cash flow of 12.99M.
| Operating Cash Flow | 12.99M |
| Capital Expenditures | 0 |
| Free Cash Flow | 12.99M |
| FCF Per Share | 1.49 |
Margins
Gross margin is 100%, with operating and profit margins of 97.83% and 8.66%.
| Gross Margin | 100% |
| Operating Margin | 97.83% |
| Pretax Margin | 9.44% |
| Profit Margin | 8.66% |
| EBITDA Margin | n/a |
| EBIT Margin | 97.83% |
| FCF Margin | 4.45% |
Dividends & Yields
INBK pays an annual dividend of $0.24, which amounts to a dividend yield of 0.9%.
| Dividend Per Share | $0.24 |
| Dividend Yield | 0.9% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 8.33% |
| Earnings Yield | 8.08% |
| FCF Yield | 4.15% |
Analyst Forecast
The average price target for INBK is $39.5, which is 66% higher than the current price. The consensus rating is "Hold".
| Price Target | $39.5 |
| Price Target Difference | 66% |
| Analyst Consensus | Hold |
| Analyst Count | 4 |
Stock Splits
The last stock split was on Jun 24, 2013. It was a forward split with a ratio of 3:2.
| Last Split Date | Jun 24, 2013 |
| Split Type | forward |
| Split Ratio | 3:2 |
Scores
| Altman Z-Score | 0.26 |
| Piotroski F-Score | 5 |