As of 2025-12-14, the Fair Value of First Internet Bancorp (INBK) is -95.08 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 21.69 USD, the upside of First Internet Bancorp is -538.37%.
With the market price of 21.69 USD and our fair value calculation, First Internet Bancorp (INBK) is not a good investment. Investing in INBK stocks now will result in a potential loss of 538.37%.
Note: valuation result may not be accurate due to the company's negative EPS.
Peter Lynch's formula is:
The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.
| Historical Earnings | ||||||
| 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 5Y Avg | |
| Net income | 29.50 | 48.10 | 35.50 | 8.42 | 25.28 | 29.36 |
| YoY growth | 17.06% | 63.05% | -26.20% | -76.29% | 200.30% | 35.59% |
| Market Cap (mil) | 188.92 |
| P/E | |
| Forward P/E | 5.87x |
| EPS | -3.80 |
| Avg earnings growth rate | 35.59% |
| TTM earnings | -33.13 |