First Internet Bancorp (INBK) Earnings History
Annual and quarterly earnings data from 2005 to 2025
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INBK EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
INBK Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 13.7% | -15.8% | -10.9% |
| 2024 | 33.5% | 8.3% | 7.6% |
| 2023 | 30.3% | 1.9% | 3.2% |
| 2022 | 62.7% | 23.1% | 20.5% |
| 2021 | 70.2% | 34.9% | 29.7% |
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First Internet Bancorp (INBK) Earnings Overview
As of May 8, 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% |
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Start ComparisonINBK — Frequently Asked Questions
Quick answers to the most common questions about buying INBK stock.
Is INBK growing earnings?
INBK EPS fell to $-4.01, with earnings declining -239.9%. This contrasts with the 5-year CAGR of N/A. TTM net income dropped to $-35M.
What are INBK's profit margins?
First Internet Bancorp net margin is -10.9%, with operating margin at -15.8%. Below-average margins reflect competitive or cost pressures.
How consistent are INBK's earnings?
INBK earnings data spans 2005-2025. The declining earnings trend is -239.9% YoY. Historical data enables comparison across business cycles.