What is the 13F Pro Quality Score for INBK?

13F Pro ranks First Internet Bancorp (INBK) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View INBK's current score at https://13fpro.ai/research/INBK (free sign-up required for the full ranking).

Which hedge funds own the most INBK stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of INBK include BlackRock,, HEARTLAND ADVISORS, DIMENSIONAL FUND ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/INBK as soon as new 13F filings post.

Where does 13F Pro source INBK data?

All First Internet Bancorp fundamentals and ownership data come directly from SEC EDGAR. First Internet Bancorp files with the SEC under CIK 1562463. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is INBK in?

First Internet Bancorp (INBK) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is INBK research updated on 13F Pro?

INBK's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

First Internet Bancorp(INBK)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

INBK Stock Analysis & AI Quality Score

AI stock analysis and institutional research for First Internet Bancorp (INBK), a Financials sector company. INBK is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), First Internet Bancorp reports net income of $2.5M, free cash flow of $75.3M. Top institutional holders of INBK by reported 13-F value include BlackRock,, HEARTLAND ADVISORS, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. INBK trades on the Nasdaq exchange and files with the SEC under CIK 1562463. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate INBK daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for First Internet Bancorp directly from SEC EDGAR.

Net Income

Q1 2026

$2.5M

Free Cash Flow

Q1 2026

$75.3M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

-239.1% YoY

$-35.2MFY 2025

FY22 $35.5MFY23 $8.4MFY24 $25.3MFY25 $-35.2M

EPS (Diluted)

-239.9% YoY

$-4.03FY 2025

FY22 $3.70FY23 $0.95FY24 $2.88FY25 $-4.03

Total Assets

-2.9% YoY

$5.57BFY 2025

FY22 $4.54BFY23 $5.17BFY24 $5.74BFY25 $5.57B

Total Debt

-15.4% YoY

$249.5MFY 2025

FY22 $614.9MFY23 $614.9MFY24 $295.0MFY25 $249.5M

Op. Cash Flow

-73.5% YoY

$3.4MFY 2025

FY22 $82.7MFY23 $11.7MFY24 $13.0MFY25 $3.4M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Net Income	$-35.2M -239.1%	$25.3M +200.3%	$8.4M -76.3%	$35.5M -26.1%	$48.1M +63.4%	$29.5M
EPS (Diluted)	$-4.03 -239.9%	$2.88 +203.2%	$0.95 -74.3%	$3.70 -23.2%	$4.82 +61.2%	$2.99
Total Assets	$5.57B -2.9%	$5.74B +11.0%	$5.17B +13.7%	$4.54B +7.9%	$4.21B -0.8%	$4.25B
Total Debt	$249.5M -15.4%	$295.0M -52.0%	$614.9M +0.0%	$614.9M +19.4%	$514.9M +0.0%	$514.9M
Operating Cash Flow	$3.4M -73.5%	$13.0M +11.2%	$11.7M -85.9%	$82.7M +50.8%	$54.8M +319.7%	$13.1M

AI Insight: INBK Financial Trends

A $42M net loss in Q3 2025 wiped out five quarters of earnings, though Q4 2025 and Q1 2026 show tentative stabilization.

• Net income collapsed to -$42M in Q3 2025 from $7M in Q4 2024, erasing prior gains and shrinking equity from $390M to $352M.

• Equity partially recovered to $361M in Q1 2026 from the Q3 2025 trough of $352M, suggesting the loss event was discrete.

• Total debt declined from $295M in Q4 2024 to $250M in Q4 2025, a $45M reduction over four quarters.

• Operating cash flow was highly volatile: swinging from -$90M in Q2 2025 to +$76M in Q1 2026 within three quarters.

⚠ The $42M net loss in Q3 2025 remains unexplained by available data — root cause clarity is critical before assessing earnings power.

⚠ Net income recovered only to $3M in Q1 2026 versus $7M pre-loss levels — full earnings recovery is not yet confirmed.

⚠ Operating CF swings (-$90M to +$76M) suggest lumpy balance-sheet activity; sustained positive CF generation needs monitoring.

AI Insight: INBK Ratio Trends

A severe Q3 2025 loss event collapsed TTM returns to deeply negative territory, overshadowing a partial Q4 2025–Q1 2026 recovery.

• ROE deteriorated sharply from 7.6% in Q4 2024 to -47.2% in Q3 2025, signaling a large one-off loss event.

• TTM ROE stands at -9.3% and ROIC at -13.6% as of Q1 2026, reflecting the drag from Q3 2025's outsized loss.

• ROE partially recovered to 5.9% in Q4 2025 and 2.8% in Q1 2026, suggesting stabilization after the Q3 2025 shock.

• D/E modestly improved from 0.77 in Q4 2024 to 0.69 in Q4 2025, the only two quarters with available leverage data.

⚠ ROIC recovered to only 2.0% in Q1 2026 versus 7.9% in Q3 2024 — monitor whether it can return to prior-peak levels.

⚠ ROA remains thin at 0.2% in Q1 2026; any further credit or one-off events could quickly push it negative again.

⚠ The Q3 2025 loss driver is unidentified in this data — understanding its recurrence risk is critical for the recovery thesis.

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Available Research

13F Pro tracks comprehensive data for First Internet Bancorp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of INBK

BlackRock, Inc.
$15.9M778,524 sh
HEARTLAND ADVISORS INC
$7.8M384,900 sh
DIMENSIONAL FUND ADVISORS LP
$7.7M375,809 sh
AEGIS FINANCIAL CORP
$7.2M354,261 sh
VANGUARD CAPITAL MANAGEMENT LLC
$6.9M336,248 sh
GEODE CAPITAL MANAGEMENT, LLC
$4.3M209,811 sh
D. E. Shaw & Co., Inc.
$4.3M209,453 sh
Simcoe Capital LLC
$3.5M172,092 sh
Quantinno Capital Management LP
$3.3M162,421 sh
BANC FUNDS CO LLC
$3.3M162,176 sh

Fund	Value	Shares
BlackRock, Inc.	$15.9M	778,524
HEARTLAND ADVISORS INC	$7.8M	384,900
DIMENSIONAL FUND ADVISORS LP	$7.7M	375,809
AEGIS FINANCIAL CORP	$7.2M	354,261
VANGUARD CAPITAL MANAGEMENT LLC	$6.9M	336,248
GEODE CAPITAL MANAGEMENT, LLC	$4.3M	209,811
D. E. Shaw & Co., Inc.	$4.3M	209,453
Simcoe Capital LLC	$3.5M	172,092
Quantinno Capital Management LP	$3.3M	162,421
BANC FUNDS CO LLC	$3.3M	162,176

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Is INBK a good stock to buy?

13F Pro's AI-powered analysis of First Internet Bancorp (INBK) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for INBK are available on the INBK stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own INBK?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling INBK. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of First Internet Bancorp's investment landscape.