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INBK
Volume: 27.07K
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INBK Stock Forecast & Price Target

INBK Analyst Ratings

Based on 5 analyst ratings
Buy
Strong Buy 40%
Buy 20%
Hold 40%
Sell 0%
Strong Sell 0%

Bulls say

First Internet Bancorp is experiencing a promising upward trajectory in its fintech and banking-as-a-service initiatives, with a notable increase in fintech revenue to $880K in Q4 2024 and a significant growth in loan originations. The company reported a year-over-year loan growth of 10% for 2025, further supported by a strong SBA loan pipeline targeting $600M in originations, indicating effective market alignment and demand for its lending services. Additionally, management anticipates an improvement in the efficiency ratio to 58% by Q4 2025, driven by enhanced net interest income and operational leverage, positioning the company favorably for future growth.

Bears say

The analysis of First Internet Bancorp indicates a concerning financial outlook primarily due to its underwhelming net interest income (NII), which, despite an 8% increase quarter-over-quarter, fell 1% short of expectations, and a minimal expansion in net interest margin (NIM) to 1.75%. Furthermore, the company reported operating expenses that exceeded expectations by 2% to 4%, resulting in an unfavorable efficiency ratio of 67%, compared to the anticipated range of 63%-64%. Negative credit trends observed in the fourth quarter, particularly linked to its newer SBA lending segment, alongside a reduction in core fee income, highlight the potential for further profitability challenges and increased skepticism surrounding credit quality.

INBK has been analyzed by 5 analysts, with a consensus rating of Buy. 40% of analysts recommend a Strong Buy, 20% recommend Buy, 40% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of First Internet Bancorp and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About First Internet Bancorp (INBK) Forecast

Analysts have given INBK a Buy based on their latest research and market trends.

According to 5 analysts, INBK has a Buy consensus rating as of Jul 4, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $36.40, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $36.40, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

First Internet Bancorp (INBK)

Volume: 27.07K

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