First Internet Bancorp (INBK) P/E Ratio History
Historical price-to-earnings valuation from 2013 to 2025
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INBK Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, First Internet Bancorp (INBK) trades at a price-to-earnings ratio of -6.3x, with a stock price of $25.52 and trailing twelve-month earnings per share of $-4.01.
The current P/E is 160% below its 5-year average of 10.6x. Over the past five years, INBK's P/E has ranged from a low of 5.7x to a high of 20.7x, placing the current valuation at the 0th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.1x, INBK trades at a 148% discount to its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, INBK trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our INBK DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
INBK P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $20B | 41.0 | - | +0% | |
| $522M | 18.3 | 1.23 | +78% | |
| $2B | 13.5 | 1.92 | +13% | |
| $1B | 15.0 | 7.36 | +79% | |
| $24B | 63.0 | 2.58 | -47% | |
| $30B | 9.0Lowest | 0.25Best | +18% | |
| $11B | 23.4 | 2.32 | +19% | |
| $3B | 64.4 | 4.49 | +131% | |
| $2B | 14.5 | - | +156%Best |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
INBK Historical P/E Data (2013–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $26.90 | $1.76 | 15.3x | +24% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $26.78 | $2.41 | 11.1x | -9% |
| FY2024 Q4 | $35.99 | $2.89 | 12.5x | +1% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $34.26 | $2.54 | 13.5x | +10% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $27.02 | $2.13 | 12.7x | +3% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $34.74 | $1.90 | 18.3x | +49% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $24.19 | $1.17 | 20.7x | +68% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $16.21 | $1.37 | 11.8x | -4% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $14.85 | $1.87 | 7.9x | -35% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $16.65 | $2.42 | 6.9x | -44% |
| FY2022 Q4 | Sat Dec 31 2022 00:00:00 GM | $24.28 | $3.70 | 6.6x | -47% |
| FY2022 Q3 | Fri Sep 30 2022 00:00:00 GM | $33.86 | $4.27 | 7.9x | -35% |
Average P/E for displayed period: 12.3x
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Start ComparisonINBK — Frequently Asked Questions
Quick answers to the most common questions about buying INBK stock.
Is INBK stock overvalued or undervalued?
INBK trades at -6.3x P/E, below its 5-year average of 10.6x. At the N/A percentile of historical range, the stock is priced at a discount to its own history.
How does INBK's valuation compare to peers?
First Internet Bancorp P/E of -6.3x compares to sector median of 13.1x. The discount suggests lower growth expectations or higher risk.
What is INBK's PEG ratio?
INBK PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 2013-2025.