Last 48 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | -6.46 | 25.74 | 17.57 | 8.70 | — | 305.68 | 60.86 | 10.84 | 10.71 | 10.08 | 14.72 | 12.60 | 10.39 | 8.44 | — | 8.93 | 9.51 | 9.30 | 9.43 | 9.41 | 6.44 |
| — | -91.6% | -71.1% | -19.8% | — | +2931.9% | +313.5% | -14.0% | +3.0% | +19.5% | — | +41.1% | +9.3% | -9.3% | — | -5.1% | +47.6% | +57.3% | +12.4% | +45.3% | +50.4% | |
| P/S Ratio | 1.95 | 1.48 | 1.04 | 1.10 | 12.72 | 1.84 | 1.73 | 2.07 | 2.33 | 1.90 | 2.74 | 2.04 | 1.51 | 1.44 | 1.63 | 2.14 | 2.97 | 3.03 | 3.42 | 3.85 | 2.75 |
| — | -19.4% | -40.1% | -46.9% | +446.9% | -3.3% | -37.0% | +1.4% | +53.6% | +31.9% | +68.3% | -4.9% | -49.0% | -52.5% | -52.4% | -44.3% | +8.1% | +8.0% | +10.7% | +66.8% | +116.1% | |
| P/B Ratio | 0.63 | 0.67 | 0.50 | 0.51 | 0.56 | 0.60 | 0.61 | 0.82 | 0.78 | 0.63 | 0.83 | 0.58 | 0.41 | 0.37 | 0.42 | 0.62 | 0.89 | 0.97 | 1.13 | 1.24 | 0.84 |
| — | +11.0% | -18.4% | -38.1% | -28.6% | -4.0% | -26.8% | +41.3% | +90.9% | +68.4% | +97.1% | -6.5% | -54.3% | -61.6% | -62.9% | -49.7% | +6.3% | +12.9% | +11.2% | +43.5% | +85.8% | |
| P/FCF | 102.20 | 2.51 | 0.59 | 1.95 | 1.33 | — | 1.80 | — | — | 3.78 | 41.06 | 4.43 | 14.92 | — | 11.76 | 9.78 | 4.02 | 4.85 | 5.04 | 26.27 | — |
| — | — | -67.2% | — | — | — | -95.6% | — | — | — | +249.1% | -54.7% | +270.7% | — | +133.3% | -62.8% | — | -85.2% | +46.1% | +1415.9% | — | |
| EV / EBITDA | — | 40.18 | -4.34 | 3.14 | — | 779.90 | 77.23 | 5.79 | 5.31 | 16.21 | 16.81 | 20.87 | 26.74 | 17.53 | — | 19.51 | 17.21 | 13.68 | 8.58 | 9.73 | 7.73 |
| — | -94.8% | -105.6% | -45.8% | — | +4710.0% | +359.5% | -72.2% | -80.1% | -7.5% | — | +7.0% | +55.4% | +28.1% | — | +100.6% | +122.7% | +86.2% | -16.8% | +37.8% | +49.7% | |
| EV / EBIT | — | 91.40 | -10.94 | 3.69 | — | — | 2507.61 | 7.48 | 6.83 | 21.57 | 22.40 | 36.88 | 27.62 | 26.47 | — | 25.16 | 21.12 | 16.56 | 10.12 | 11.15 | 9.14 |
| — | — | -100.4% | -50.7% | — | — | +11096.6% | -79.7% | -75.3% | -18.5% | — | +46.6% | +30.8% | +59.9% | — | +125.6% | +131.1% | +81.3% | -4.1% | +37.3% | +49.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 13.7% | 32.5% | 30.7% | 33.2% | -53.4% | 21.7% | 25.7% | 33.5% | 33.8% | 33.2% | 33.5% | 30.8% | 31.1% | 33.8% | 24.6% | 48.3% | 62.2% | 70.8% | 73.2% | 74.7% | 70.1% |
| — | +49.8% | +19.3% | -0.7% | -258.2% | -34.8% | -23.3% | +8.8% | +8.5% | -1.5% | +36.5% | -36.3% | -49.9% | -52.3% | -66.4% | -35.4% | -11.4% | +1.1% | +11.1% | +21.7% | +21.8% | |
| Operating Margin | -15.8% | 1.9% | 2.0% | 6.2% | -94.2% | -2.2% | 0.0% | 9.0% | 8.9% | 7.5% | 7.5% | 4.9% | 4.5% | 5.8% | -9.6% | 13.6% | 22.3% | 27.2% | 31.5% | 35.1% | 35.4% |
| — | +184.9% | +5045.8% | -31.8% | -1158.8% | -129.4% | -99.5% | +83.3% | +99.4% | +28.6% | +177.5% | -63.8% | -80.0% | -78.7% | -130.6% | -61.3% | -37.0% | -30.8% | +5.2% | +13.4% | +61.7% | |
| Net Margin | -10.9% | 2.8% | 2.9% | 5.9% | -71.8% | 0.2% | 1.1% | 7.9% | 8.2% | 7.2% | 6.9% | 5.7% | 4.9% | 6.2% | -5.4% | 12.6% | 20.0% | 24.0% | 27.2% | 30.3% | 29.9% |
| — | +1121.0% | +161.2% | -25.5% | -979.1% | -96.8% | -84.1% | +38.5% | +65.7% | +16.4% | +226.9% | -54.5% | -75.3% | -74.3% | -120.0% | -58.4% | -33.2% | -27.9% | +6.9% | +24.6% | +59.3% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -9.5% | 0.7% | 0.7% | 1.5% | -11.2% | 0.0% | 0.2% | 1.9% | 1.8% | 1.6% | 1.4% | 1.2% | 1.0% | 1.1% | -0.8% | 1.8% | 2.3% | 2.6% | 3.0% | 3.3% | 3.3% |
| — | +1217.3% | +184.9% | -22.0% | -706.8% | -96.8% | -82.8% | +63.4% | +90.2% | +43.3% | +270.0% | -33.4% | -58.2% | -57.7% | -128.1% | -47.4% | -29.9% | -30.7% | -4.0% | -2.7% | +23.4% | |
| ROA | -0.6% | 0.0% | 0.0% | 0.1% | -0.7% | 0.0% | 0.0% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% | -0.1% | 0.1% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% |
| — | +1212.5% | +173.0% | -25.6% | -667.3% | -97.0% | -83.5% | +58.1% | +85.8% | +34.6% | +251.5% | -44.4% | -66.6% | -65.0% | -124.5% | -51.1% | -29.5% | -26.5% | +7.2% | +14.1% | +47.1% | |
| ROIC | -5.1% | 0.2% | 0.2% | 0.6% | -5.6% | -0.2% | 0.0% | 0.7% | 0.6% | 0.4% | 0.4% | 0.2% | 0.2% | 0.3% | -0.4% | 0.5% | 0.7% | 0.8% | 1.0% | 1.1% | 1.1% |
| — | +199.4% | +6180.0% | -16.9% | -1105.0% | -139.5% | -99.2% | +181.3% | +156.9% | +68.4% | +206.5% | -48.3% | -69.6% | -69.8% | -137.9% | -56.0% | -36.0% | -32.1% | -1.7% | -5.9% | +35.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.99 | 0.95 | 0.96 | 0.99 | 1.01 | 0.95 | 1.29 | 1.04 | 1.61 | 1.83 | 1.85 | 1.98 | 2.07 | 2.03 | 2.01 | 1.97 | 1.92 | 1.56 | 1.65 | 1.63 | 1.67 |
| — | +0.2% | -25.9% | -5.3% | -37.4% | -48.2% | -30.4% | -47.5% | -22.2% | -10.0% | -8.0% | +0.6% | +7.6% | +30.3% | +21.8% | +21.1% | +15.1% | -4.4% | -2.6% | -9.4% | -9.1% | |
| Debt / EBITDA | — | 95.60 | 76.78 | 54.91 | — | 7251.12 | 453.11 | 37.19 | 63.31 | 85.29 | 90.94 | 114.49 | 226.03 | 130.65 | — | 81.41 | 60.05 | 43.46 | 40.40 | 37.28 | 36.59 |
| — | -98.7% | -83.1% | +47.6% | — | +8402.0% | +398.3% | -67.5% | -72.0% | -34.7% | — | +40.6% | +276.4% | +200.6% | — | +118.4% | +64.1% | +42.9% | -13.0% | +2.1% | -27.2% | |
| Current Ratio | 110.02 | 0.01 | 0.25 | 0.23 | 0.28 | 0.36 | 0.38 | 0.38 | 0.47 | 0.43 | 0.45 | 0.45 | 0.47 | 0.47 | 0.46 | 0.46 | 0.48 | 0.48 | 0.57 | 0.60 | 0.61 |
| — | -97.8% | -34.0% | -39.5% | -39.3% | -15.4% | -15.5% | -16.8% | -1.2% | -8.7% | -2.1% | -2.3% | -0.7% | -2.2% | -19.8% | -23.1% | -21.5% | -18.6% | +1.6% | +5.8% | +4.3% | |
| Quick Ratio | 110.02 | 0.01 | 0.25 | 0.23 | 0.28 | 0.36 | 0.38 | 0.38 | 0.47 | 0.43 | 0.45 | 0.45 | 0.47 | 0.47 | 0.46 | 0.46 | 0.48 | 0.48 | 0.57 | 0.60 | 0.61 |
| — | -97.8% | -34.0% | -39.5% | -39.3% | -15.4% | -15.5% | -16.8% | -1.2% | -8.7% | -2.1% | -2.3% | -0.7% | -2.2% | -19.8% | -23.1% | -21.5% | -18.6% | +1.6% | +5.8% | +4.3% | |
| Interest Coverage | -0.25 | 0.04 | 0.04 | 0.12 | -1.01 | -0.04 | 0.00 | 0.15 | 0.14 | 0.12 | 0.12 | 0.08 | 0.07 | 0.09 | -0.16 | 0.29 | 0.62 | 1.04 | 1.26 | 1.36 | 1.18 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying INBK stock.
First Internet Bancorp's current P/E is -6.5x. The average P/E over the last 3 quarters is 17.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
First Internet Bancorp's current operating margin is -15.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking First Internet Bancorp's business trajectory between earnings reports.