First Internet Bancorp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from First Internet Bancorp's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 93% of Financial Services companies in United States.
- Tangible Net Worth Ratio: Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 90% of Financial Services companies in United States.
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by -4% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
-4% / +23%In 3 years sales changed by -4% while total assets changed by +23%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every $100 the company owns, $100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 93% of Financial Services companies in United States.
Tangible Net Worth Ratio
99%Of every $100 of net worth, $99 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 90% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
First Internet Bancorp made a loss over the last year. First Internet Bancorp owes $0.93 for every $1 it owns. First Internet Bancorp made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
LossFirst Internet Bancorp made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.64The share price is 0.64 times First Internet Bancorp's book value per share, lower than 92% of Financial Services companies in United States.
Market cap
$234 MThe total market value of all of First Internet Bancorp's shares at today's price (share price × number of shares), smaller than 79% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$364 MWhat First Internet Bancorp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$41.63Net worth divided by the number of shares. The share price of $26.79 is 0.6 times this, which is the P/B above.
Return on equity (ROE)
-8.3%First Internet Bancorp lost 8.3% of its shareholders' money over the last year, lower than 90% of Financial Services companies in United States.
Owes vs Owns
0.93×First Internet Bancorp owes $0.93 for every $1 it owns (high), higher than 94% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.93%First Internet Bancorp pays 0.93% of its share price as dividends a year, lower than 91% of dividend-paying Financial Services companies in United States.
Revenue growth
-15%Revenue fell 15% in the year to Dec 2025, and shrank 1% a year on average over 3 years.
Profit growth
LossFirst Internet Bancorp made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-32.0%First Internet Bancorp lost $32 for every $100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For First Internet Bancorp: $234 M ÷ $364 M (30 Jun 2026) = 0.6.
What is First Internet Bancorp's return on equity?
First Internet Bancorp lost 8.3% of its shareholders' money over the last year, lower than 90% of Financial Services companies in United States.
How much does First Internet Bancorp owe compared with what it owns?
First Internet Bancorp owes $0.93 for every $1 it owns (high), higher than 94% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does First Internet Bancorp pay a dividend?
Yes. First Internet Bancorp pays 0.93% of its share price as dividends a year, lower than 91% of dividend-paying Financial Services companies in United States.
Is First Internet Bancorp's revenue growing?
Revenue fell 15% in the year to Dec 2025, and shrank 1% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.