First Internet Bancorp (INBK) Stock: Buy, Sell, or Hold?
INBK - First Internet Bancorp
$28.00
-1.08 (-3.71%)
▼
5d:
-2.13%
30d:
-4.11%
90d:
+9.5%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 28, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: INBK shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: INBK shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$45.85
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$28.47
1.6% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 5.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: INBK is currently trading at $28.00, which is considered oversold relative to its 30-day fair value range of $28.02 to $29.36. From a valuation perspective, the stock is trading at a premium (Forward PE: 6.2) compared to its historical average (5.2). At these levels, the market is pricing in 5.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, INBK is in a strong uptrend. Immediate support is located at $27.14, while resistance sits at $30.18. Short-term momentum is weak, with the stock down 3.7% recently.
Market Sentiment: INBK scores 28/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $30.90 (+10.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, INBK is in a strong uptrend. Immediate support is located at $27.14, while resistance sits at $30.18. Short-term momentum is weak, with the stock down 3.7% recently.
Market Sentiment: INBK scores 28/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $30.90 (+10.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$28.02 -
$29.36
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
50.0%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (28/100)
- BULLISH: High volume confirmation
- BEARISH: Downward momentum (-3.7%)
- BULLISH: Trading below Wall St target ($30.90)
- NEUTRAL: PE elevated vs history but 5.7% growth expectation is conservative given 1250% recent growth
- WARNING: Composite score 49/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$28.02 -
$29.36
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$27.14
Resistance Level
$30.18
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.18
Wall Street Target
$30.90
(+10.4%)
Revenue Growth (YoY)
39.0%
Earnings Growth (YoY)
1250.1%
Profit Margin
-57.0%
Valuation Premium vs History
+5.7% premium
PE vs Historical
6.2 vs 5.2
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+5.7%
(market-implied from PE analysis)
1-Year Target
$29.60
(+6%)
2-Year Target
$31.28
(+12%)
3-Year Target
$33.07
(+18%)
3-Yr Target (if PE normalizes)
(PE: 6→5)
PE COMPRESSION
$27.80
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 91.4%)
$308.20
(+1001%)
Base:
(SPY PE: 6.2, Growth: 91.4%)
$94.50
(+238%)
Bear:
(PE: 5.2, Growth: 91.4%)
$79.46
(+184%)
Share & Embed Analysis
Last updated: September 13, 2026 5:12 AM ET
Data refreshes hourly during market hours. Next update: 6:12 AM
Data refreshes hourly during market hours. Next update: 6:12 AM
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| Ticker | Score | Recommendation | Change % |
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Technical Signals Check
Is INBK showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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