First Internet Bancorp - Fixed-

INBKZ

Banks - Regional · Financial Services

Price

$25.21

-0.07 (-0.28%)

Market Cap

$255.4M

Exchange

NASDAQ Global Select

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 26, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Weak

Valuation

Data not available

Dividends

Good

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Share count falling — buybacks

−12.5% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 10.0M (2021) → 8.7M (2025)

Winston Score History

The full picture

First Internet Bancorp functions as an online financial institution, catering to both commercial and retail clients with a range of digital banking solutions. Its comprehensive suite of services includes primary residential mortgage loans, consumer credit facilities, and credit cards. Additionally, it extends financing for commercial real estate, encompassing properties such as office buildings, retail outlets, industrial sites, and multifamily units, along with specialized credit tenant lease financing. These services primarily reach customers in Indiana and across the broader Midwest region. The company was established on September 15, 2005, and maintains its corporate headquarters in Indianapolis, Indiana.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+0.5% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

>+1,000% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Cash Position

Cash flow positive

$3.9B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

First Internet Bancorp - Fixed- is growing revenue at 0% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

-8.2%

Shrinking sales (-8.2% YoY)

Profit growth

EPS YoY

-302.6%

Earnings shrinking (-302.6% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend

Dividend Yield

8.04%

Healthy income — 8.04% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend record

Dividend Growth

-7.1%

Dividend cut (-7.1% YoY) — warning sign

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