ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Internet Bancorp ?
1
The company has declared positive results in Mar'2026 after 4 consecutive negative quarters
- OPERATING CASH FLOW(Y) Highest at USD 111.62 MM
- PRE-TAX PROFIT(Q) At USD 1.78 MM has Grown at 5,147.06%
- NET PROFIT(Q) At USD 2.51 MM has Grown at 166.07%
2
Risky -
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of 4.60%, its profits have fallen by -239.1%
3
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -1.32% over the previous quarter and currently hold 4.26% of the company
- Promoters decreasing their stake may signify reduced confidence in the future of the business
4
Underperformed the market in the last 1 year
- The stock has generated a return of 4.60% in the last 1 year, much lower than market (S&P 500) returns of 22.24%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to First Internet Bancorp should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is First Internet Bancorp for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
First Internet Bancorp
4.6%
-0.14
43.17%
S&P 500
22.24%
1.67
13.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.53%
EBIT Growth (5y)
-197.91%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
89.61%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.48
EV to EBIT
1.83
EV to EBITDA
2.05
EV to Capital Employed
-1.27
EV to Sales
-0.33
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
-9.78%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 111.62 MM
PRE-TAX PROFIT(Q)
At USD 1.78 MM has Grown at 5,147.06%
NET PROFIT(Q)
At USD 2.51 MM has Grown at 166.07%
NII(Q)
Highest at USD 31.6 MM
-8What is not working for the Company
NET PROFIT(9M)
At USD -33.8 MM has Grown at -321.42%
GROSS NPA (%)
(Q
NET SALES(Q)
Lowest at USD 75.81 MM
Here's what is working for First Internet Bancorp
Pre-Tax Profit
At USD 1.78 MM has Grown at 5,147.06%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Operating Cash Flow
Highest at USD 111.62 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Profit
At USD 2.51 MM has Grown at 166.07%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 31.6 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Depreciation
Highest at USD 2.71 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
Depreciation
At USD 2.71 MM has Grown at 181.7%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
Here's what is not working for First Internet Bancorp
Non Performing Loans (%)
Highest at 1.63% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Net Sales
Lowest at USD 75.81 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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