B+
Bull case
25%
Probability
Target price
$29.00
Analysis reference price unavailable
Analysis 2026-05-03 · RankAlpha Sentiment Codex
INBK
First Internet BancorpDNasdaq / Banks
Last Price
Quote time unavailable
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
Defensive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite.
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
71
Value
38
Sentiment
52
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $25.50 · Bull $29.00 · Bear $19.00Analysis 2026-05-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-03 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-09-10
Investment thesis
As of 2026-09-10
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $30.90
Why
Momentum71 · Δ7d -
Value38 · Δ7d 0.0
Sentiment52 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Confirming evidence
- • Sentiment remains the lead driver in the composite.
Contradictions & invalidation
- • 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]
- • Low sell-side visibility persists because analyst target count is unavailable in the packet, so any thesis change relies more heavily on company disclosures and a thin market reaction set.
- • The bear case is that the core earnings recovery is still hostage to credit costs: Q1 provision expense was $16.3 million, NPLs were 1.63% of loans, and management commentary still points to elevated Q2 provisioning before any second-half relief, so one better quarter may not yet prove a clean normalization path.
Catalyst clock
2026-05-31
Q1 earnings beat resets near-term earnings power debate
Lead driver: Sentiment · See AI snapshot
Momentum
71
9% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
38
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.0
Sentiment
52
62% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade D. Momentum 70.5 / Value 37.7 / Sentiment 51.5
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-05-03. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$25.50
Analysis reference price unavailable
Analysis 2026-05-03 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$19.00
Analysis reference price unavailable
Analysis 2026-05-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-08-17
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$251.96M
Beta
0.83
Shares Out
8.73M
P/E (TTM)
12.3
P/S (TTM)
1.61
P/FCF (TTM)
22.08
Rev YoY
-1.3%
EPS YoY
+1119.5%
Gross Margin
-
Op Margin
-14.2%
Net Debt
$348.82M
Current Ratio
0.15
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data