ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is First Internet Bancorp ?
1
The company has declared negative results in Mar'2025 after 4 consecutive positive quarters
- GROSS NPA (%)(Q) Highest at 1.56%
- CREDIT DEPOSIT RATIO(HY) Lowest at 77.41%
- PRE-TAX PROFIT(Q) Fallen at -33.94%
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 -27.06%, its profits have fallen by -239.1%
3
Reducing Promoter Confidence
- Promoters have decreased their stake in the company by -3.09% over the previous quarter and currently hold 5.58% 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
- Even though the market (S&P 500) has generated returns of 13.68% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -27.06% returns
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is First Internet Bancorp for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
First Internet Bancorp
-29.16%
-0.47
52.32%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.53%
EBIT Growth (5y)
-197.57%
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
84.92%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.47
EV to EBIT
1.21
EV to EBITDA
1.34
EV to Capital Employed
-0.56
EV to Sales
-0.21
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
-9.78%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 28.31 MM
-15What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 77.41%
PRE-TAX PROFIT(Q)
Fallen at -33.94%
NET PROFIT(Q)
Fallen at -27.84%
Here's what is working for First Internet Bancorp
Operating Cash Flow
Highest at USD 28.31 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)
Here's what is not working for First Internet Bancorp
Non Performing Loans (%)
Highest at 1.56% 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 (%)
Credit Deposit Ratio
Lowest at 77.41% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Pre-Tax Profit
Fallen at -33.94%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Fallen at -27.84%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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