INBK

First Internet BancorpC

Nasdaq / Banks

At close

2026-07-21

Current thesis

The post-earnings bull case is that Q1 showed real operating repair: revenue rose 21% year over year, FTE NIM reached 2.45%, deposits improved in mix, and EPS materially beat the limited consensus snapshot, while the stock still sits well below tangible book value of $40.87 per share reported in the release. [#8-K-2026-04-30]

Posture

Mixed

Lead driver

Momentum

What changed

Momentum remains the lead driver in the composite, 7D delta -4.8.

What can break

Capital is adequate but not roomy for a renewed credit shock: tangible common equity to tangible assets was 6.24% and CET1 was 8.97% in the Q1 release. [#8-K-2026-04-30]

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $25.50 · Bull $29.00 · Bear $19.00

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-03 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade C · Mixed

Confidence Medium · Net Neutral

Target $28.40

Why

Momentum71 · Δ7d -4.8

Value38 · Δ7d +0.0

Sentiment48 · Δ7d +2.0

So what

Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-4.8

Δ21d

-9.3

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.0

Δ21d

-5.8

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+2.0

Δ21d

+12.1

Why this grade

Composite grade C. Momentum 70.5 / Value 37.7 / Sentiment 47.8

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$235.7M

Beta

0.83

Shares Out

8.72M

P/E (TTM)

12.3

P/S (TTM)

1.61

P/FCF (TTM)

22.08

Rev YoY

+0.1%

EPS YoY

+166.5%

Gross Margin

Op Margin

-42.0%

Net Debt

$348.82M

Current Ratio

0.22

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology