INBK
First Internet·NASDAQ
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INBK fundamentals
First Internet (INBK) released its earnings on Jan 29, 2026: revenue was 42.11M (YoY +21.16%), missed estimates; EPS was 0.64 (YoY +56.10%), beat estimates.
Revenue / YoY
42.11M
+21.16%
EPS / YoY
0.64
+56.10%
Report date
Jan 29, 2026
INBK Earnings Call Summary for Q4,2025
- Revenue Growth: Q4 2025 revenue up 21% YoY, driven by BaaS deposits ($1.3B) and SBA originations ($580M).
- Credit Challenges: SBA loans originated 2024-2025 face higher defaults; franchise loans shrinking.
- 2026 Outlook: 15-17% loan growth, 2.75-2.80% net interest margin, $2.35-2.45 EPS.
- Deposit Repricing: $850M CDs maturing at 4.15%, re-priced at 3.65%.
- M&A Interest: Multiple inquiries, no active deals; trading at discount to tangible book.
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Key Indicators
First Internet (INBK) key financial stats and ratios, covering profitability, financial health, and leverage.
First Internet (INBK)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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First Internet (INBK)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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First Internet (INBK)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does First Internet (INBK) generate its revenue? Explore its key revenue streams and top earning regions.
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Track First Internet (INBK) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What were the key takeaways from First Internet's earnings call?What factors drove the changes in First Internet's revenue and profit?What is First Internet's latest dividend and current dividend yield?What is the revenue and EPS growth rate for First Internet year over year?Did First Internet beat or miss consensus estimates last quarter?What does First Internet do and what are its main business segments?What is the market's earnings forecast for First Internet next quarter?What guidance did First Internet's management provide for the next earnings period?
