INBK Should I Buy
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First Internet Bancorp (INBK) is not a strong buy for a beginner investor with a long-term focus at this time. The technical indicators are bearish, and the recent financial performance shows a decline in net income and EPS despite a slight revenue increase. Analyst ratings are mixed, with some showing optimism but others expressing concerns about elevated credit costs. Options data suggests minimal bullish sentiment. Without any significant positive catalysts or trading signals, it is better to hold off on investing in this stock for now.
The technical indicators for INBK are bearish. The MACD histogram is below 0 and contracting negatively, the RSI is neutral at 46.019, and the moving averages indicate a bearish trend (SMA_200 > SMA_20 > SMA_5). The stock is trading near its support level (S1: 19.805) with resistance at R1: 21.459.
Revenue increased by 6.48% YoY in Q4 2025, showing some growth potential. One analyst (Hovde Group) raised the price target to $29 and maintained an Outperform rating.
Analysts from Piper Sandler and Keefe Bruyette lowered their price targets, citing disappointing performance and elevated credit costs. Technical indicators and options data show no strong bullish sentiment.
In Q4 2025, revenue increased by 6.48% YoY to $38.88 million. However, net income dropped by 27.84% YoY to $5.29 million, and EPS fell by 27.71% YoY to 0.6. Gross margin remained unchanged.
Analyst ratings are mixed. Piper Sandler and Keefe Bruyette lowered their price targets to $23.50 and $23, respectively, citing disappointing performance and elevated credit costs. Hovde Group raised the price target to $29 and maintained an Outperform rating, showing some optimism.
