First Internet Bancorp (INBK) Stock: Buy, Sell, or Hold?
$25.40
-0.28 (-1.09%)
▼
5d:
-1.44%
30d:
+0.16%
90d:
-12.59%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (58%)
Quality Score
42/100
Position
OVERSOLD
30-Day Fair Range
$25.65 – $26.76
Position: OVERSOLD
Forward P/E & Valuation
5.6x
FAIR
vs 5.4x historical avg
Wall Street Target
$31.00
+22.0% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$25.12 / $27.77
Trend: Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: INBK shows conflicting indicators. Wait for confirmation before entering.
Get Alerted When INBK Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$47.40
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$29.43
13.7% 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 5.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: INBK is currently trading at $25.40, which is considered oversold relative to its 30-day fair value range of $25.65 to $26.76. The stock's valuation (Forward PE: 5.6) is in line with its historical norms (5.4). At these levels, the market is pricing in 1.7% 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 downtrend. The price is currently testing key support at $25.12. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: INBK scores 25/100 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 $31.00 (+22.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, INBK is in a downtrend. The price is currently testing key support at $25.12. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: INBK scores 25/100 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 $31.00 (+22.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$25.65 -
$26.76
Company Quality Score
42/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
Trading Range & Key Levels
30-Day Trading Range
$25.65 -
$26.76
Current vs Trading Range
OVERSOLD
Support Level
$25.12
Resistance Level
$27.77
Current Trend
Downtrend
Technical data as of
Nov 12, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 22.0% below Wall St target ($31.00)
- NEUTRAL: Market pricing in 1.7% annual earnings growth - fairly valued
- WARNING: Composite score 42/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
5.64
Wall Street Target
$31.00
(+22.0%)
Revenue Growth (YoY)
39.0%
Earnings Growth (YoY)
1250.1%
Profit Margin
12.9%
Valuation Premium vs History
+1.7% premium
PE vs Historical
5.6 vs 5.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.7%
(market-implied from PE analysis)
1-Year Target
$25.83
(+2%)
2-Year Target
$26.27
(+3%)
3-Year Target
$26.72
(+5%)
3-Yr Target (if PE normalizes)
(PE: 6→5)
PE COMPRESSION
$25.60
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 109.7%)
$302.13
(+1090%)
Base:
(SPY PE: 5.6, Growth: 109.7%)
$85.73
(+238%)
Bear:
(PE: 4.8, Growth: 109.7%)
$72.87
(+187%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 15.11 | Current EPS (TTM): $1.70
Bull Case
$56.50
(+122%)
Analyst growth 100.0%, PE expands to 16.6
Base Case
$51.36
(+102%)
Market implied 100.0%, PE stable at 15.1
Bear Case
$17.46
(-31%)
Severe decline -20.0%, PE contracts to 12.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share INBK Analysis
Share this live INBK analysis (with rich preview card) to Reddit, StockTwits, X, or embed the chart on your blog.
bloggers & journalists: you are free to use our charts with attribution.
Last updated: November 12, 2026 7:11 PM ET
Data refreshes hourly during market hours. Next update: 8:11 PM
Data refreshes hourly during market hours. Next update: 8:11 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is INBK showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
PNFP
Pinnacle Financial Partn… |
STRONG BUY
22 analysts |
$121 | 42 HOLD |
|
CFG
Citizens Financial Group… |
STRONG BUY
20 analysts |
$76 | 46 HOLD |
|
FLG
Flagstar Bank, National … |
BUY
18 analysts |
$13 | 61 BUY |
|
HBAN
Huntington Bancshares In… |
BUY
21 analysts |
$19 | 45 HOLD |
|
SSB
SouthState Corporation |
STRONG BUY
14 analysts |
$120 | 51 HOLD |
Explore More Analysis & Live Quant Tools
Part A: Deep-Dive INBK Research Pages
