First Internet Bancorp
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$22.92
FAIR PRICE
$34.11
MARGIN
$11.19
P/E Ratio
N/A
Div. Yield
1.04%
ROE
-8.8%
Average
Market Cap
$202M
Small-cap
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FPI RATING
Attractive valuation, but below-average fundamental quality and weak profitability margins.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$27.29
Fair price × 0.80
DISTANCE
19.1%
Price to entry level
At the current price of $22.92, INBK trades 19.1% below the conservative entry level of $27.29. The stock is currently priced below the 20% margin of safety threshold, indicating a potential value opportunity based on the model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate INBK's fair price
First Internet Bancorp's fair price of $34.11 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $22.92, INBK trades 48.8% below its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting INBK's risk profile.
RELATIVE · 30%
Comparing INBK's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for INBK, weighted by recency and analyst accuracy.
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What is the fair price of INBK?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for First Internet Bancorp is $34.11. At the current market price of $22.92, INBK trades 48.8% below its calculated fair value.
Is INBK overvalued or undervalued?+
First Internet Bancorp is currently undervalued based on our valuation model. The stock trades at $22.92, which is 48.8% below the fair price of $34.11.
What is the margin of safety for INBK?+
With a 20% margin of safety applied to the fair price of $34.11, the conservative entry level for INBK is $27.29. At the current market price of $22.92, the stock trades 19.1% below this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is INBK's fair price updated?+
We update fair price calculations for INBK daily after market close. The current fair price of $34.11 incorporates the latest market data and sector multiples.
What factors affect INBK's fair price calculation?+
INBK's fair price of $34.11 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight)., ROE of -8.8%, and dividend yield of 1.04%.
Is INBK a good buy right now?+
At $22.92, INBK trades 48.8% below our fair value estimate of $34.11. The stock is currently undervalued. ROE stands at -8.8% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does INBK pay dividends?+
INBK has a dividend yield of 1.04%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.