First Internet B Financials

First Internet B (INBK) reported $320.2M in total revenue for fiscal year 2025. This represents a 9.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

First Internet B (INBK) revenue grew by 9.7% year-over-year, from $291.9M to $320.2M in fiscal year 2025.

No, First Internet B (INBK) reported a net income of -$35.2M in fiscal year 2025, with a net profit margin of -11.0%.

First Internet B (INBK) reported diluted earnings per share of $-4.03 for fiscal year 2025. This represents a -239.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

As of fiscal year 2025, First Internet B (INBK) had $456.8M in cash and equivalents against $249.5M in long-term debt.

First Internet B (INBK) had a net profit margin of -11.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Yes, First Internet B (INBK) paid $0.24 per share in dividends during fiscal year 2025.

First Internet B (INBK) has a return on equity of -9.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

First Internet B (INBK) generated $2.2M in free cash flow during fiscal year 2025. This represents a -78.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

First Internet B (INBK) generated $3.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

First Internet B (INBK) had $5.6B in total assets as of fiscal year 2025, including both current and long-term assets.

First Internet B (INBK) invested $1.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Yes, First Internet B (INBK) spent $521K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

First Internet B (INBK) had a debt-to-equity ratio of 0.69 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

First Internet B (INBK) had a return on assets of -0.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

First Internet B (INBK) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

First Internet B (INBK) has an earnings quality ratio of -0.10x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

First Internet B (INBK) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.