First Internet Bancorp cash flow to debt ratio of 0.97% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

First Internet Bancorp's free cash flow has decreased 78.64% from $10.40M last year to $2.22M, signaling decreasing performance

First Internet Bancorp's debt to equity ratio is 0.95, which means that the company's assets are unhealthy financed, signaling financial risk.

First Internet Bancorp's debt has decreased relative to shareholder equity from 1.04 last year to 0.95 today, signaling strengthened financials

First Internet Bancorp has a net cash position, so leverage is healthy.

First Internet Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

First Internet Bancorp's profit margin has decreased (229.57%) in the last year from 7.58% to -9.82%, signaling decreasing performance

First Internet Bancorp's short-term assets of $1.10B exceed its short-term liabilities of $10.00M

First Internet Bancorp's return on assets of 0.00% is lower than the 5.00% threshold, indicating inefficient asset utilization

First Internet Bancorp's return on equity of -8.75%, is lower than 15.00%, indicating bad performance

First Internet Bancorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

First Internet Bancorp had positive net income in 4 out of 5 years, indicating stable and consistent earnings

First Internet Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

First Internet Bancorp has a free cash flow yield of 0.87%, which is below the 2.00% threshold, indicating limited cash return relative to market value

First Internet Bancorp's yearly earnings has decreased 239.14% since last year from $25.28M to $-35.17M, signaling decreasing performance

First Internet Bancorp's yearly revenue has decreased 3.98% since last year from $333.42M to $320.16M, signaling decreasing performance

ROIC -4.21% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

First Internet Bancorp's 3-year revenue CAGR of 22.95% is positive, indicating growing revenue over the past 3 years

First Internet Bancorp had revenue growth in 3 out of 5 years, indicating consistent revenue performance

First Internet Bancorp had positive ROE in 4 out of 5 years, indicating consistent and reliable returns on equity

First Internet Bancorp has insufficient data to evaluate this check.

First Internet Bancorp has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

First Internet Bancorp is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model

First Internet Bancorp has negative or missing EBITDA, making EV/EBITDA ratio unreliable

First Internet Bancorp is undervalued relative to its fair value price of 67.51 based on Earnings Fair Value model

First Internet Bancorp has negative trailing-twelve-month earnings; this ratio is not meaningful and the check fails

First Internet Bancorp has a price-to-book ratio of 0.70x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

First Internet Bancorp has a price-to-sales ratio of 0.80x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue