Trading Systems Reacting to (INBKZ) Volatility
This article analyzes the volatility of First Internet Bancorp Fixed-to-floating Rate Subordinated Notes Due 2029 (NASDAQ: INBKZ) using AI models. It identifies a neutral sentiment across all time horizons, suggesting a wait-and-see approach for traders. The report also outlines distinct trading strategies (Position, Momentum Breakout, Risk Hedging) with specific entry, target, and stop-loss levels.
Wall Street Zen Downgrades First Internet Bancorp (NASDAQ:INBK) to Sell
Wall Street Zen has downgraded First Internet Bancorp (NASDAQ:INBK) from "hold" to "sell" despite the bank beating quarterly earnings and revenue estimates. The downgrade is attributed to persistent negative financial metrics such as a negative net margin, negative return on equity, and a negative P/E ratio. Other analysts also issued varied ratings, resulting in an average "Reduce" rating and a consensus target price of $25.17 for INBK.
Discipline and Rules-Based Execution in INBK Response
This article analyzes First Internet Bancorp (NASDAQ: INBK), indicating weak sentiment across all horizons and supporting a short bias. It details institutional trading strategies including position trading, momentum breakout, and risk hedging, along with multi-timeframe signal analysis. The piece highlights an exceptional 48.0:1 risk-reward setup targeting a 14.5% gain versus 0.3% risk.
First Internet Bancorp (NASDAQ:INBK) Upgraded at Wall Street Zen
Wall Street Zen upgraded First Internet Bancorp (INBK) from "sell" to "hold," though overall analyst sentiment remains mixed. Despite beating recent quarterly estimates for EPS and revenue, the company still reports negative return on equity and net margin. Insiders own 8% of the company, with a recent purchase by the COO, and institutional investors hold about 65.5%.
First Internet Bancorp Receives Analyst Boost Amid Strong Growth Outlook
First Internet Bancorp (FIBP) has received an analyst upgrade following strong Q4 earnings and strategic balance sheet initiatives, despite rising non-performing loans in its franchise finance portfolio. The bank posted quarterly EPS of $0.64 and 21% year-over-year revenue growth, leading to increased institutional investor confidence. Management aims for 15-17% loan growth and a 2.75-2.80% net interest margin by Q4 2026, leveraging Banking-as-a-Service models to optimize funding costs.
First Internet Bancorp (NASDAQ:INBK) Given Average Rating of "Reduce" by Brokerages
First Internet Bancorp (NASDAQ:INBK) has received an average "Reduce" rating from analysts, with a 12-month average price target of $25.17. Despite beating quarterly earnings and revenue estimates, the company reported negative return on equity and net margin. Corporate insiders own about 8.00% of the company, and COO Nicole S. Lorch recently increased her stake by purchasing 2,000 shares.
First Internet Bancorp outlines 15%-17% loan growth and higher provision for credit losses in 2026 amid fintech expansion and targeted credit clean-up
First Internet Bancorp anticipates a 15-17% loan growth in 2026, primarily driven by its fintech portfolio. The bank expects an elevated provision for credit losses due to this growth and an ongoing strategy to clean up its commercial real estate and single-family rental credit portfolios. This forward-looking guidance reflects a strategic shift towards higher-growth, higher-risk assets while proactively managing potential credit quality issues.
First Internet Bancorp (NASDAQ:INBK) Q4 2025 Earnings Call Transcript
First Internet Bancorp (NASDAQ:INBK) reported strong Q4 2025 results, with quarterly revenue up 21% year-over-year and 30% net interest income growth for the full year, despite credit challenges in its small business lending and franchise finance portfolios. The company emphasized its strategic shift towards enhanced underwriting standards and anticipates continued net interest margin expansion and robust fintech partnership growth in 2026. Management provided an outlook predicting continued loan growth, expanding net interest margin, and an elevated provision for credit losses in the first half of 2026 as problem loans are resolved, projecting EPS of $2.35 to $2.45 for the year.
First Internet Bancorp (NASDAQ:INBK) Downgraded by Wall Street Zen to "Sell"
First Internet Bancorp (NASDAQ:INBK) was downgraded to "Sell" by Wall Street Zen, though the overall consensus among analysts remains a "Hold" with a target price of $25.17. Despite beating Q4 earnings and revenue estimates and experiencing growth in net interest income, the company faces profitability concerns with negative net margin and return on equity. Shares opened down approximately 2%, trading at $21.79, with insider buying activity noted by its COO.
First Internet Bancorp (INBK) Net Interest Margin Lift Tests Bullish Recovery Narrative
First Internet Bancorp (INBK) ended FY 2025 with mixed Q4 results, showing profitability but trailing twelve-month losses, shifting focus to margin evolution. While the net interest margin increased, this did not consistently translate into bottom-line progress due to volatile quarterly EPS. Growing non-performing loans and a valuation gap between P/B and DCF fair value further complicate the bullish recovery narrative for investors.
First Internet Bancorp (INBK) Net Interest Margin Lift Tests Bullish Recovery Narrative
First Internet Bancorp (INBK) closed FY 2025 with mixed financial results, showing quarterly profitability but trailing twelve-month losses, despite an improving net interest margin. The article highlights the tension between the rising net interest margin and volatile quarterly EPS, alongside a concerning increase in non-performing loans, which challenges a clear bullish recovery narrative. The company's valuation also presents a mixed picture, trading at a discount on book value but above its DCF fair value, suggesting a need for consistent income statement improvement.
First Internet Bancorp price target lowered to $23.50 from $24 at Piper Sandler
Piper Sandler has lowered its price target for First Internet Bancorp (INBK) to $23.50 from $24, maintaining a Neutral rating. The firm noted that the past quarter was "disappointing" due to persistently high net charge-offs (NCOs) and indications from 2026 guidance that credit costs are expected to remain elevated at least through the first half of that year. Other analysts have also adjusted their price targets for INBK, with some increasing and some decreasing, while the company recently reported Q4 EPS of 60c, beating the consensus of 57c.
First Internet: Fourth Quarter Financial Overview
First Internet Bancorp reported a net profit of $5.3 million for the fourth quarter, or $0.60 per share, with adjusted earnings reaching $0.64 per share. Total revenue for the quarter was $89.4 million, and net revenue after interest expenses was $41.7 million, falling short of analyst expectations. For the full year, the company posted a profit of $35.2 million ($4.03 per share) on annual revenue of $116.5 million.
Earnings call transcript: First Internet Bancorp Q4 2025 beats EPS expectations
First Internet Bancorp (INBK) exceeded EPS expectations in Q4 2025, reporting $0.64 against a forecast of $0.51, despite a slight revenue miss. The company's stock rose 4.76% in aftermarket trading, reflecting investor confidence in its digital-first strategy and strong profitability. Key takeaways highlighted robust net interest income and margin growth, and significant contributions from Banking-as-a-Service initiatives, despite ongoing credit quality challenges in its SBA and franchise finance portfolios.
First Internet Bancorp Q4 2025 slides: Digital pioneer posts 66% PPNR growth
First Internet Bancorp (NASDAQ:INBK) announced strong Q4 2025 results, reporting a 66% year-over-year increase in adjusted pre-provision net revenue (PPNR) and adjusted earnings per share of $0.64, surpassing analyst expectations. The company, a digital banking pioneer, saw its shares rise as it highlighted improved margins, strong deposit growth through BaaS partnerships, and a positive outlook for 2026 including projected loan growth of 15-17%.
First Internet Bancorp (NASDAQ:INBK) Beats Q4 Estimates, Issues Bullish 2026 Outlook
First Internet Bancorp (NASDAQ:INBK) exceeded Q4 earnings and revenue estimates, driven by strong net interest income growth. The digital bank also provided an optimistic 2026 outlook, forecasting significant earnings expansion and higher EPS compared to current analyst expectations, despite anticipating elevated credit provisions in the first half of the year. Management highlighted the resilience of its digital banking model, strategic growth in loan balances, and improved funding mix as key factors for future confidence.
First Internet: Q4 Earnings Snapshot
First Internet Bancorp (INBK) reported Q4 net income of $5.3 million, with earnings of 60 cents per share, or 64 cents adjusted. The company's revenue for the quarter was $89.4 million, with revenue net of interest expense at $41.7 million, which fell short of Street forecasts. For the full year, First Internet reported a profit of $35.2 million ($4.03 per share) on $116.5 million in revenue.
First Internet Bancorp (NASDAQ:INBK) Releases Quarterly Earnings Results, Beats Expectations By $0.05 EPS
First Internet Bancorp (NASDAQ:INBK) reported its quarterly earnings, exceeding analyst expectations by $0.05 EPS with $0.64 earnings per share, and revenue of $42.11 million against an estimated $32.80 million. Despite the beat, the bank remains unprofitable with negative return on equity and net margin, and analysts hold a "Hold" rating with a target price of $24.33. The stock rose 4.8% following the announcement.
First Internet Bancorp Reports Fourth Quarter and Full Year 2025 Results
First Internet Bancorp announced its financial and operational results for Q4 and full-year 2025, reporting a net income of $5.3 million and diluted EPS of $0.60 for the quarter, alongside a 21% increase in total revenue. The company highlighted robust commercial loan production, strategic initiatives including a significant loan sale to Blackstone, and provided a positive outlook for 2026 with projected loan growth of 15% to 17% and diluted EPS between $2.35 and $2.45. Management expressed confidence in their digital banking model and strategic execution for long-term shareholder value.
First Internet Bancorp Reports Fourth Quarter and Full Year 2025 Results
First Internet Bancorp (Nasdaq: INBK) reported Q4 2025 net income of $5.3 million, or $0.60 diluted EPS, and adjusted diluted EPS of $0.64. The company saw strong revenue growth, with net interest income up 29% year-over-year, and improved credit trends following a large increase to the allowance for credit losses in Q3. Outlook for 2026 includes continued loan growth, FTE net interest margin expansion, and a gradual improvement in provision for credit losses in the second half of the year.
First Internet: Q4 Earnings Snapshot
First Internet Bancorp (INBK) reported Q4 net income of $5.3 million, with earnings of 60 cents per share, or 64 cents adjusted. The internet bank's revenue was $89.4 million, but its revenue net of interest expense was $41.7 million, falling short of Street forecasts. For the full year, the company posted a profit of $35.2 million on $116.5 million in revenue.
(INBKZ) and the Role of Price-Sensitive Allocations
This article provides an in-depth AI-generated analysis for First Internet Bancorp Fixed-to-floating Rate Subordinated Notes Due 2029 (NASDAQ: INBKZ). It highlights a neutral sentiment with a mid-channel oscillation pattern, presenting an exceptional risk-reward short setup. The analysis includes various trading strategies—Position Trading, Momentum Breakout, and Risk Hedging—along with multi-timeframe signal analysis and support/resistance levels.
(INBK) Movement Within Algorithmic Entry Frameworks
First Internet Bancorp (NASDAQ: INBK) shows strong near and mid-term sentiment, but a weak long-term outlook with elevated downside risk. AI-generated trading strategies are provided for different risk profiles, including position trading, momentum breakout, and risk hedging, with detailed entry, target, and stop-loss levels. The article also includes multi-timeframe signal analysis, indicating support and resistance levels.
First Internet Bancorp to Announce Fourth Quarter and Full Year 2025 Financial Results on Thursday, January 29
First Internet Bancorp will host a conference call and webcast on Thursday, January 29, at 5:00 p.m. Eastern Time to discuss its fourth quarter and full year 2025 financial results. The results are expected to be released after market close on the same day. Details for accessing the conference call, replay, and presentation slides are provided.
With 73% ownership, First Internet Bancorp (NASDAQ:INBK) boasts of strong institutional backing
First Internet Bancorp (NASDAQ:INBK) is significantly influenced by institutional investors who own 73% of the company. These institutions, including BlackRock, Dimensional Fund Advisors, and The Vanguard Group, collectively hold substantial power due to their large resource pools. Insiders, including CEO David Becker, also hold a small but notable 4.7% stake, with the general public owning 19%.
How to hear First Internet Bancorp’s Q4 2025 earnings results live
First Internet Bancorp (Nasdaq: INBK) announced it will host a conference call and webcast on Thursday, January 29, 2026, at 5:00 p.m. Eastern Time to discuss its fourth-quarter and full-year 2025 financial results. The results are scheduled to be released after market close on the same day. Investors can access the call via telephone or webcast, with replay options available.
First Internet Bank Receives 2025 Best in Biz Award for Do More Business™ Checking
First Internet Bank's Do More Business™ Checking has been named the 2025 Silver winner for Small or Medium Business Product of the Year by Best in Biz Award, marking its third consecutive win. The checking account allows business owners to earn interest, perform unlimited transactions, use Zelle for payments, and link accounts for a comprehensive financial overview. This recognition highlights the bank's commitment to providing digital-first financial solutions tailored for small businesses.
First Internet Bank Receives 2025 Best in Biz Award for Do More Business™ Checking
First Internet Bank has been awarded the 2025 Silver Best in Biz Award for Small or Medium Business Product of the Year for its Do More Business™ Checking account, marking its third consecutive win. This checking account allows business owners to earn interest, make unlimited transactions, and use Zelle®, while also providing comprehensive financial oversight through linked accounts. The bank emphasizes its commitment to delivering products that meet the needs of small businesses with a fast, digital-first experience.
First Internet Bancorp to Announce Fourth Quarter and Full Year 2025 Financial Results on Thursday, January 29
First Internet Bancorp (Nasdaq: INBK) will release its fourth-quarter and full-year 2025 financial results after the market closes on Thursday, January 29. The company will also host a conference call and webcast at 5:00 p.m. Eastern Time on the same day to discuss these results. Details for accessing the call and webcast have been provided for investors and the public.
Award-winning small-business account helps owners track every dollar
First Internet Bank's Do More Business™ Checking account has won the 2025 Best in Biz Silver award for Small or Medium Business Product of the Year, marking its third consecutive year receiving this honor. The account allows business owners to earn interest, make unlimited transactions, use Zelle® for payments, and link all their financial accounts for comprehensive oversight. This recognition highlights the bank's commitment to providing digital-first financial solutions tailored to the needs of small businesses.
First Internet Bancorp (NASDAQ:INBK) Receives Average Recommendation of "Hold" from Brokerages
First Internet Bancorp (NASDAQ:INBK) has received an average "Hold" recommendation from brokerages, based on ratings from five analysts. The company recently reported a quarterly earnings miss but a revenue beat, and its stock is trading up 0.1%. Insiders have been acquiring shares, and the company has declared a quarterly dividend.
First Internet Bancorp: Small-Cap Bank Stock At A Crossroads After A Volatile Quarter
First Internet Bancorp's stock has seen volatile trading, approaching its 52-week low amidst muted Wall Street coverage and thin news flow. This has led to investor caution, as the stock has underperformed broader market indexes and faces a crucial decision point for investors. The future trajectory depends on interest rate trends, credit quality, and the bank's ability to differentiate itself in the digital banking landscape.
Understanding the Setup: (INBKZ) and Scalable Risk
This article analyzes the trading setup for First Internet Bancorp Fixed-to-floating Rate Subordinated Notes Due 2029 (NASDAQ: INBKZ), indicating a neutral sentiment with a mid-channel oscillation pattern. It highlights an exceptional 6.9:1 risk-reward setup targeting a 2.0% gain versus 0.3% risk. The article also details three AI-generated institutional trading strategies—Position Trading, Momentum Breakout, and Risk Hedging—tailored for different risk profiles and holding periods.
First Internet Bancorp To Go Ex-Dividend On December 31st, 2025 With 0.06 USD Dividend Per Share
First Internet Bancorp (INBK.US) is scheduled to trade ex-dividend on December 31st, 2025, with shareholders of record on that date receiving a $0.06 dividend per share on January 15th, 2026. The article explains the concepts of cash and stock dividends, clarifying their implications for investors regarding income, taxes, and share value. It also includes a disclaimer that the information is for reference only and dividends are not guaranteed.
First Internet Bancorp (NASDAQ:INBK) Raised to "Hold" at Zacks Research
Zacks Research upgraded First Internet Bancorp (NASDAQ:INBK) from a "strong sell" to a "hold" rating. The bank recently reported a quarterly loss, missing analyst estimates, but its revenue beat expectations. Insiders have been actively buying shares, and institutional ownership remains high.
First Internet Bancorp (NASDAQ:INBK) Shares Cross Below 200 Day Moving Average - Time to Sell?
First Internet Bancorp (NASDAQ:INBK) shares have fallen below their 200-day moving average, trading at $20.535 after dropping below the $22.72 average. Analysts have a "Reduce" consensus rating with a $24.33 target, following a significant earnings miss and weak financial fundamentals. Despite negative financial metrics, company insiders have recently purchased shares, and the firm declared a quarterly dividend of $0.06.
First Internet Bancorp (NASDAQ:INBK) Will Pay A Dividend Of $0.06
First Internet Bancorp (NASDAQ:INBK) has announced a dividend of $0.06 per share, payable on January 15th, resulting in an annual yield of 1.1%. Despite a long history of dividend payments, the company's latest earnings were insufficient to cover distributions, raising concerns about sustainability. Analysts project future EPS to be higher and the payout ratio manageable, but a five-year EPS decline of 26% suggests caution is warranted regarding the long-term viability of the current dividend.
First Internet Bancorp (NASDAQ:INBK) Will Pay A Dividend Of $0.06
First Internet Bancorp (NASDAQ:INBK) has announced a dividend of $0.06 per share, payable on January 15th, which represents an annual payment of 1.1% of the current stock price. However, the company's latest earnings report indicates that it didn't have sufficient earnings to cover these dividends, raising concerns about sustainability. Despite a solid track record of paying dividends for over 10 years, the growth has been muted, and EPS has declined significantly over the past five years, although analysts predict future increases.
First Internet Bancorp (NASDAQ:INBK) Declares $0.06 Quarterly Dividend
First Internet Bancorp (NASDAQ:INBK) has declared a quarterly dividend of $0.06 per share, payable on January 15th to shareholders of record on December 31st. This results in an annualized dividend of $0.24 and a 1.1% yield. The dividend is well-covered with a payout ratio of 4.9%, and analysts project a future payout ratio of 4.8% based on expected earnings.
First Internet Bancorp (NASDAQ:INBK) Given Consensus Recommendation of "Reduce" by Analysts
Five research firms have issued a "Reduce" consensus recommendation for First Internet Bancorp (NASDAQ:INBK), with an average 12-month price target of $24.33 after the bank reported an EPS miss but a revenue beat. The company also announced a quarterly dividend of $0.06 and saw recent share purchases by insiders, including the CEO and COO. Analysts have recently adjusted their ratings and price targets for INBK, largely leaning towards "sell" or "hold" recommendations.
Following a 44% decline over last year, recent gains may please First Internet Bancorp (NASDAQ:INBK) institutional owners
Institutional investors own 73% of First Internet Bancorp, making them the largest shareholder group, and have likely welcomed the recent US$19m market cap gain following a 44% loss over the last year. The top 17 shareholders collectively own 51% of the company, with BlackRock, Dimensional Fund Advisors, and The Vanguard Group being the largest institutional holders. Insiders also own a significant portion of the company, valued at US$15m, indicating alignment with shareholder interests.
First Internet Bancorp declares $0.06 quarterly dividend By Investing.com
First Internet Bancorp (NASDAQ:INBK) announced a quarterly cash dividend of $0.06 per common share, payable on January 15, 2026, to shareholders of record as of December 31, 2025. This declaration continues the company's 14-year dividend streak, despite recent financial challenges including an earnings miss and analysts' concerns over credit issues. The stock is currently trading at $22.36 and InvestingPro analysis suggests it is overvalued.
First Internet Bancorp Declares Quarterly Cash Dividend
First Internet Bancorp (INBK) announced a quarterly cash dividend of $0.06 per common share, payable on January 15, 2026, to shareholders of record as of December 31, 2025. Spark, TipRanks’ AI Analyst, has rated INBK as Neutral due to financial performance challenges, bearish technical momentum, and credit quality concerns, despite the dividend yield providing some support. First Internet Bancorp is a bank holding company with $5.6 billion in assets, known for its pioneering branchless banking services since 1999.
Understanding Momentum Shifts in (INBKZ)
This article analyzes momentum shifts for First Internet Bancorp Fixed-to-floating Rate Subordinated Notes Due 2029 (NASDAQ: INBKZ), indicating a neutral sentiment across all horizons. It presents three distinct AI-generated trading strategies with specific entry, target, and stop-loss zones, along with a 7.7:1 risk-reward short setup. The analysis suggests a wait-and-see approach as resistance is being tested.
First Internet Bancorp Q3 2025 slides: Strategic loan sale drives $41.6M loss
First Internet Bancorp (NASDAQ:INBK) reported a $41.6 million net loss in Q3 2025 following a strategic sale of $836.9 million in single tenant lease financing loans to restructure its balance sheet. Despite the loss and a 9.58% stock drop, the company highlighted improved net interest margin and strong adjusted revenue growth. The move aims to reposition the bank for future profitability by diversifying its loan portfolio and strengthening its liquidity.
First Internet Bank (INBK): Five-Year Losses Persist as Investors Focus on 186% Forecasted Earnings Growth
First Internet Bancorp (INBK) has experienced accelerating losses over the past five years and its net profit margin remains negative. However, forward-looking projections anticipate a significant turnaround with earnings growth of 186.19% annually and revenue growth of 62.9% annually, driven by digital banking initiatives. Despite trading at a Price-To-Book Ratio of 0.5x, significantly below industry averages, analysts see a potential 43% upside from the current share price based on an optimistic view of future profitability and normalizing credit quality.
First Internet Bancorp (INBK) Reports Q3 Loss, Lags Revenue Estimates
First Internet Bancorp (INBK) reported a significant Q3 loss of $1.43 per share, missing the Zacks Consensus Estimate of $0.66, and falling short of revenue estimates with $32.81 million against an expected $45.3 million. The company's stock has underperformed the S&P 500 year-to-date, and currently holds a Zacks Rank #3 (Hold) based on mixed estimate revisions.
First Internet Bancorp Takes A Hit But Aims For A Turnaround
First Internet Bancorp experienced a surprising net loss of $41.6 million in Q3 2025 despite a 30% revenue jump, due to a significant loss on a large loan portfolio sale. The bank's move was intended to boost its regulatory capital ratio and improve credit quality, with management banking on a more resilient balance sheet and healthy loan pipeline for future recovery. Despite a current undervaluation compared to peers, investors are cautiously watching if these strategic adjustments will revitalize the stock amidst increasing competition and a changing regulatory landscape for digital banks.
First Internet Bancorp reports results for the quarter ended September 30 - Earnings Summary
First Internet Bancorp (INBK) reported a significant adjusted loss of $1.43 per share for the quarter ended September 30, missing analysts' average expectation of 71 cents per share. The company's revenue increased by 44.8% year-over-year to $31.51 million, though it fell short of the $32.18 million analysts anticipated. This marks the fourth consecutive quarter where the company missed earnings estimates, with analysts' mean earnings estimate falling by about 33.4% in the last three months.
First Internet Bank Boosts SBA Lending with AI Technology - cointurk finance
First Internet Bank is enhancing its Small Business Administration (SBA) lending operations by adopting Parlay Finance’s AI-powered Loan Intelligence System (LIS). This initiative aims to increase operational efficiency by up to 50% and improve the customer experience for borrowers through real-time updates and more accurate loan processing. The bank's move highlights a growing trend in financial services to leverage AI for streamlined operations and broader credit access for small businesses.
