First Internet Bancorp (INBK) Earnings History
Net Loss21 years of earnings data (2005–2025) · Currently unprofitable on a TTM basis
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First Internet Bancorp (INBK) Earnings Overview
As of June 22, 2026, First Internet Bancorp (INBK) reported trailing twelve-month net income of -$35M, reflecting -239.9% year-over-year growth. The company earned $-4.01 per diluted share over the past four quarters, with a net profit margin of -10.9%.
Looking at the long-term picture, INBK's historical earnings data spans multiple years. The company achieved its highest annual net income of $48M in fiscal 2021.
First Internet Bancorp is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including SOFI ($481M net income, 10.1% margin), HONE ($26M net income, 8.7% margin), NBTB ($169M net income, 19.5% margin), INBK has room to improve margins relative to the peer group. Compare INBK vs SOFI →
INBK Earnings vs Peers
Earnings metrics vs comparable public companies
INBK Historical Earnings Data (2005–2025)
21 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$35M | -239.1% | -$51M | $-4.03 | -10.9% | -15.8% |
| 2024 | $25M | +200.3% | $28M | $2.88 | 7.6% | 8.3% |
| 2023 | $8M | -76.3% | $5M | $0.95 | 3.2% | 1.9% |
| 2022 | $36M | -26.1% | $40M | $3.70 | 20.5% | 23.1% |
| 2021 | $48M | +63.4% | $57M | $4.82 | 29.7% | 34.9% |
| 2020 | $29M | +16.7% | $34M | $2.99 | 17.2% | 19.8% |
| 2019 | $25M | +15.2% | $27M | $2.51 | 15.5% | 16.7% |
| 2018 | $22M | +43.8% | $24M | $2.30 | 17.8% | 19.4% |
| 2017 | $15M | +26.1% | $23M | $2.13 | 16.2% | 24.3% |
| 2016 | $12M | +35.2% | $18M | $2.30 | 16.7% | 24.9% |
| 2015 | $9M | +106.5% | $14M | $1.96 | 17.5% | 26.8% |
| 2014 | $4M | -5.9% | $6M | $0.96 | 11.4% | 17.0% |
| 2013 | $5M | -18.1% | $6M | $1.51 | 13.4% | 17.9% |
| 2012 | $6M | +76.0% | $8M | $1.95 | 16.1% | 22.4% |
| 2011 | $3M | -35.7% | $4M | $1.11 | 11.4% | 14.1% |
| 2010 | $5M | +333.9% | $7M | $1.74 | 17.2% | 23.1% |
| 2009 | -$2M | -234.4% | -$4M | $-0.75 | -6.7% | -13.5% |
| 2008 | $2M | -44.3% | $2M | $0.56 | 4.7% | 4.6% |
| 2007 | $3M | +32.8% | $4M | $1.00 | 8.3% | 11.1% |
| 2006 | $2M | -2.3% | $3M | $0.74 | 8.1% | 10.8% |
| 2005 | $2M | - | $3M | $0.71 | 9.8% | 14.0% |
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INBK — Frequently Asked Questions
Quick answers to the most common questions about buying INBK stock.
What is INBK earnings per share (EPS)?
INBK trailing twelve-month (TTM) diluted EPS is $-4.01, reflecting -239.9% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2005 to 2025 is available in the table on this page.
What is First Internet Bancorp's net income?
First Internet Bancorp (INBK) trailing twelve-month net income is $-35M as of 2025. Earnings declined -239.9% year-over-year.
Is INBK profitable?
INBK is not currently profitable on a TTM basis, reporting a net loss of $-35M. Net margin is -10.9%. Investors should monitor for a return to profitability.
What is INBK's earnings growth rate?
INBK compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2005 to 2025.
What are INBK's profit margins?
First Internet Bancorp net profit margin is -10.9%, operating margin is -15.8%, and gross margin is +13.7%. Below-average margins reflect competitive or cost pressures. Return on Equity is -9.5%.
Is INBK growing earnings?
INBK earnings are declining — EPS fell -239.9% year-over-year. TTM net income dropped to $-35M. This contrasts with the 5-year CAGR of N/A.
What was INBK's best earnings year?
First Internet Bancorp's highest annual net income on record is $48M, achieved in fiscal year 2021. Earnings history on this page spans 2005 to 2025 and includes all annual and quarterly figures.
What were INBK's earnings last quarter?
INBK's most recent reported quarter was Q4 2025. Net income was $5M with diluted EPS of $0.60. For a full breakdown of all quarters, see the quarterly earnings table on this page.