Fundamental Analysis of First Internet Bancorp - Growth / Value Index
INBK - Valuation Highlights
Valuation Analysis
Undervalued - Price to Intrinsic Value of 0.076
Price to Book Ratio is 0.771 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 17.22 | 27.15 | 197.04 % | |
| Price to Book | 0.800 | 0.795 | -10.67 % | 0.777 |
| Price to Sales | 1.46 | 3.01 | 5.47 % | |
| Enterprise Value to EBITDA Multiple | 87.05 | 8.06 | -13.63 % |
INBK - Profitability Highlights
Profitability Analysis
Earning Yield of 6.02 %
Company's Net Profit is increasing for last 5 Quarters
Company's Profit Before Tax is increasing for last 5 Quarters
Steady Growth in EPS for last four quarters
Tsr Profitability Index - Poor Score of 29.38
Very Low Dividend Yield of 0.750 %
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 4.64 | 2.93 | -69.93 % | 1.41 |
| Return On Asset | 0.328 | 0.206 | -73.72 % | 0.097 |
| Net Profit Margin | 8.45 | 11.08 | -64.49 % | 6.77 |
| Operating Profit Margin | 41.21 | 252.30 | 616.72 % | 8.83 |
| EBITDA Margin | 7.39 | 164.43 | 87.47 % | -1.50 |
Highlights
| Market Cap | 281834 K |
| Enterprise Value | 1264.88 M |
| Price/Book TTM | 0.800 |
| Outstanding Share | 8655.85 K |
| Float/ Outstanding Share | 93.14% |
| Dividend Yield | 0.750 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.780 |
| Peter Lynch Ratio | -3.85 |
| Piotroski F Score | 6.00 |
| Altman Z Score | 0.207 |
| Sloan Ratio | 0.0004 |
| Peter Lynch Fair Value | 26.00 |
INBK - Growth Highlights
Growth Analysis
Short term positive trend in total sale and net profit
Quarterly sales in last 5 years is trending up
Steady increase in Total Assets for last 3 Years
Tsr Growth Index - Poor Score of 28.05
Annual sales in last 3 years is trending down
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 196578 K | 15.81 % | 3.85 % |
| Gross Profit | 196578 K | 133.06 % | 3.85 % |
| EBITDA | 14531.00 K | 57.84 % | 112.80 % |
| Net Profit | 16615.00 K | 70.10 % | 25.05 % |
| EPS | 1.89 | 66.33 % | NA |
INBK - Stability Highlights
Stability Analysis
Tsr Stability Index - Very Poor Score of 18.75
Altman Z Score of 0.206 suggest high risk
Company has high debt burden
Company's debt has increased with decreasing revenue.
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 2.69 | 13.44 % | 1.85 |
| Cash Ratio | -0.0046 | -102.49 % | |
| Quick Ratio | 0.254 | 104.73 % | 0.300 |
| Shareholders Equity | 7.02 | -12.61 % | |
| Debt to EBITDA | 6.18 | -28.56 % |
Historical Valuation Ratios of First Internet Bancorp
Historical Valuation Ratios
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Historical Profitability Ratios of First Internet Bancorp
Historical Profitability Ratios
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Historical Efficiency Ratios of First Internet Bancorp
Historical Efficiency Ratios
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Historical Solvency Ratios of First Internet Bancorp
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)