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%
- CREDIT DEPOSIT RATIO(HY) Lowest at 82.33%
- OPERATING PROFIT(Q) Lowest at USD -1.86 MM
2
Risky - Market Cap of less than 100 cr
- The stock is trading risky as compared to its average historical valuations
- Over the past year, while the stock has generated a return of -54.79%, its profits have risen by 26.6% ; the PEG ratio of the company is 0.4
3
Below par performance in long term as well as near term
- Along with generating -54.79% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
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
-50.91%
-0.61
50.53%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.28%
EBIT Growth (5y)
4.98%
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
8.32%
Pledged Shares
0
Institutional Holding
79.62%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.53
EV to EBIT
17.52
EV to EBITDA
11.41
EV to Capital Employed
0.58
EV to Sales
0.83
PEG Ratio
0.37
Dividend Yield
NA
ROCE (Latest)
3.30%
ROE (Latest)
5.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NII(Q)
Highest at USD 27.99 MM
OPERATING CASH FLOW(Y)
Highest at USD 22.49 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 272.73%
NET SALES(Q)
Highest at USD 80.89 MM
-24What is not working for the Company
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(HY)
Lowest at 82.33%
OPERATING PROFIT(Q)
Lowest at USD -1.86 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -2.3 %
PRE-TAX PROFIT(Q)
Lowest at USD -1.86 MM
NET PROFIT(Q)
Lowest at USD 0.19 MM
EPS(Q)
Lowest at USD 0.02
Here's what is working for First Internet Bancorp
NII
Highest at USD 27.99 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 22.49 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 80.89 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Dividend Payout Ratio
Highest at 272.73%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
At USD 1.91 MM has Grown at 78.69%
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
Pre-Tax Profit
At USD -1.86 MM has Fallen at -131.05%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 0.19 MM has Fallen at -96.66%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Non Performing Loans (%)
Highest at 1% 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 82.33% 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 (%)
Operating Profit
Lowest at USD -1.86 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at -2.3 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD -1.86 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD 0.19 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD 0.02
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
Capital Adequacy Ratio
Lowest at 8.9%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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