Market Price

24.23 

-0.39 -1.6%

as of Jan 23 '19

52 Week Range:

18.78 39.95


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

First Internet Bancorp operates as a bank holding company for First Internet Bank of Indiana that provides commercial and retail banking products and services in the United States. The company offers savings accounts, non-interest bearing and interest-bearing demand deposits, money market accounts, brokered deposit accounts, and certificates of deposit. It also provides loans to individuals, including residential real estate loans, home equity loans and lines of credit, and consumer loans; and loans to commercial clients, such as commercial real estate loans, commercial and industrial loans, public and single tenant lease financing, investor commercial real estate and construction loans, lines of credit, term loans, owner-occupied commercial real estate loans, letters of credit, and municipal lending and leasing products, as well as corporate credit card and treasury management services. The company offers its services through its Website, firstib.com. First Internet Bancorp was founded in 1999 and is based in Fishers, Indiana.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 1.55
15.95
2.73
2.73
21.79
13.91
21.35
22.96
21.17
26.26
growth rate 929.0% -82.9% 0.0% 698.2% -36.2% 53.5% 7.5% -7.8% 24.0%
Earnings BIT 3.78
1.57
-4.25
6.65
3.96
7.80
6.16
7.73
15.60
21.34
29.67
growth rate -58.5% -100.0% 100.0% -40.5% 97.0% -21.0% 25.4% 102.0% 36.8% 39.0%
Avg.PE 9.04
10.89
5.40
5.60
7.16
14.95
18.72
12.12
13.20
18.03
growth rate 20.5% -29.6% 3.7% 27.9% 108.8% 25.2% -35.3% 8.9% 36.6%
ROA 0.54
0.29
-0.40
0.98
0.58
0.92
0.64
0.49
0.80
0.77
0.66
growth rate -46.3% -100.0% 100.0% -40.8% 58.6% -30.4% -23.4% 63.3% -3.8% -14.3%
ROE 11.82
33.09
-8.63
18.91
10.10
9.60
6.03
4.61
8.88
9.35
8.05
growth rate 180.0% -100.0% 100.0% -46.6% -5.0% -37.2% -23.6% 92.6% 5.3% -13.9%
ROIC 17.84
18.51
7.18
20.00
16.30
11.85
9.34
6.21
growth rate 3.8% -61.2% 178.6% -18.5% -27.3% -21.2% -33.5%
Leverage 107.62
125.04
11.27
65.86
10.56
10.37
8.83
10.03
12.17
12.05
12.35
growth rate 16.2% -91.0% 484.4% -84.0% -1.8% -14.9% 13.6% 21.3% -1.0% 2.5%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 2.13
2.20
2.90
2.83
4.11
6.71
11.94
growth rate 3.2% 32.2% -2.4% 44.9% 63.4% 78.1%
Acct.Payable 2.78
3.64
3.76
758.60
956.05
1,462.87
2,084.94
growth rate 31.0% 3.2% 20,091.6% 26.0% 53.0% 42.5%
Cur.Assets 76.94
76.13
93.32
129.56
growth rate -1.0% 22.6% 38.8%
Total Assets 543.00
504.60
503.92
585.44
636.37
802.34
970.50
1,269.87
1,854.34
2,767.69
growth rate -7.1% -0.1% 16.2% 8.7% 26.1% 21.0% 30.9% 46.0% 49.3%
Cash 25.70
30.00
186.99
192.15
240.54
28.29
25.15
39.45
46.98
growth rate 16.7% 149.7% 2.8% 25.2% -88.2% -11.1% 56.9% 19.1%
Inventory 4.57
4.57
4.62
5.05
growth rate 0.1% 1.0% 9.4%
Cur.Liabilities 763.95
961.86
1,473.83
2,151.66
growth rate 25.9% 53.2% 46.0%
Liabilities 497.60
459.90
455.02
530.02
575.02
711.43
873.72
1,165.54
1,700.39
2,543.56
growth rate -7.6% -1.1% 16.5% 8.5% 23.7% 22.8% 33.4% 45.9% 49.6%
LT Debt 2,008.00
2,009.00
0.00
2,011.00
2,012.00
2,013.00
109.77
203.68
226.56
391.90
growth rate 0.1% -100.0% 0.1% 0.1% -94.6% 85.6% 11.2% 73.0%
Equity 45.40
44.80
48.90
55.42
61.35
90.91
96.79
104.33
153.94
224.13
growth rate -1.3% 9.2% 13.3% 10.7% 48.2% 6.5% 7.8% 47.6% 45.6%
Common Shares 3.00
3.00
3.00
3.00
3.00
3.00
3.00
5.00
5.00
5.00
7.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 66.7% 0.0% 0.0% 40.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 0.50
0.10
0.78
0.23
0.31
7.19
0.92
2.54
3.17
1.52
growth rate -80.0% 680.0% -70.1% 32.6% 2,225.9% -87.3% 177.9% 24.8% -52.2%
Cash Dividends 0.00
0.00
0.00
0.00
0.48
0.45
1.08
1.09
1.20
1.68
growth rate -6.1% 140.0% 1.2% 9.7% 39.7%
Cash From OA 4.60
1.90
11.34
41.54
1.98
10.91
26.47
24.62
growth rate -58.7% 496.8% 54.2% -95.2% 450.9% 142.7% -7.0%
FCF per Share 1.63
1.46
0.64
3.71
3.71
-2.09
14.16
-1.39
2.23
1.25
5.70
growth rate -10.4% -56.2% 479.7% 0.0% -100.0% 100.0% -100.0% 100.0% -44.0% 356.0%
Sale Purchase of Stock 29.10
46.22
46.22
46.22
51.64
growth rate 58.8% 0.0% 0.0% 11.7%
FCF 5.00
4.00
2.00
11.00
-32.00
-6.00
34.00
1.00
8.00
23.00
23.00
growth rate -20.0% -50.0% 450.0% -100.0% 0.0% 100.0% -97.1% 700.0% 187.5% 0.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 14.90
16.70
17.95
27.50
35.80
35.05
29.11
38.95
49.44
59.65
growth rate 12.1% 7.5% 53.2% 30.2% -2.1% -17.0% 33.8% 26.9% 20.7%
Op.Income 1.60
-4.30
3.19
5.61
4.59
7.04
14.31
19.14
24.34
growth rate -100.0% 100.0% 76.0% -18.1% 53.3% 103.2% 33.8% 27.1%
IBT 1.57
-4.25
6.65
3.96
7.80
6.16
6.45
13.67
17.99
22.93
growth rate -100.0% 100.0% -40.5% 97.0% -21.0% 4.7% 111.9% 31.6% 27.5%
Net Income 1.60
-2.10
4.96
3.19
5.61
4.59
4.32
8.93
12.07
15.23
growth rate -100.0% 100.0% -35.8% 76.0% -18.1% -5.9% 106.5% 35.2% 26.1%
EPS 1.00
0.56
-0.75
1.74
1.11
1.95
1.51
0.96
1.96
2.30
2.13
growth rate -44.0% -100.0% 100.0% -36.2% 75.7% -22.6% -36.4% 104.2% 17.4% -7.4%
Gross Profit 29.11
38.95
49.44
59.65
growth rate 33.8% 26.9% 20.7%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 8.50
8.94
9.18
growth rate 5.2% 2.7%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 9.37
11.94
11.90
growth rate 27.5% -0.4%
Acct.Payable 1,997.03
2,084.94
2,177.12
2,394.28
2,446.56
growth rate 4.4% 4.4% 10.0% 2.2%
Cur.Assets 198.49
129.56
115.64
205.28
164.21
growth rate -34.7% -10.7% 77.5% -20.0%
Total Assets 2,633.42
2,767.69
2,862.73
3,115.77
3,202.92
growth rate 5.1% 3.4% 8.8% 2.8%
Cash 125.70
46.98
63.75
142.36
85.79
growth rate -62.6% 35.7% 123.3% -39.7%
Inventory 5.19
5.05
5.05
5.05
5.05
growth rate -2.7% 0.0% 0.0% 0.0%
Cur.Liabilities 2,010.69
2,151.66
2,187.97
2,409.72
2,456.18
growth rate 7.0% 1.7% 10.1% 1.9%
Liabilities 2,412.56
2,543.56
2,637.90
2,833.69
2,915.18
growth rate 5.4% 3.7% 7.4% 2.9%
LT Debt 401.87
391.90
449.94
423.97
459.00
growth rate -2.5% 14.8% -5.8% 8.3%
Equity 220.87
224.13
224.82
282.09
287.74
growth rate 1.5% 0.3% 25.5% 2.0%
Common Shares 171.78
172.04
172.42
227.10
227.45
growth rate 0.2% 0.2% 31.7% 0.2%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 0.45
0.70
0.45
0.46
0.26
growth rate 54.0% -35.6% 1.6% -43.3%
Cash Dividends 0.51
0.39
0.51
0.50
0.61
growth rate -22.7% 29.3% -1.2% 22.2%
Cash From OA 14.23
-2.00
14.92
0.97
7.45
growth rate -100.0% 100.0% -93.5% 671.9%
Sale Purchase of Stock 51.64
growth rate
FCF 13.78
-2.70
14.47
0.51
7.19
growth rate -100.0% 100.0% -96.5% 1,310.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 15.99
16.72
17.11
16.97
17.08
growth rate 4.6% 2.3% -0.8% 0.6%
Op.Income 6.96
7.44
7.56
7.27
7.47
growth rate 6.8% 1.6% -3.8% 2.8%
IBT 6.59
7.02
6.89
6.79
7.03
growth rate 6.5% -1.8% -1.5% 3.6%
Net Income 4.90
3.50
6.03
6.01
6.29
growth rate -28.5% 72.3% -0.3% 4.7%
EPS
growth rate
Gross Profit 15.99
16.72
17.11
16.97
17.08
growth rate 4.6% 2.3% -0.8% 0.6%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

B (74.91)

YOY Growth Grade:

D (43.95)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 10.17 10.06 8.42
EPS / Growth 38.7% 2.41

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 30.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 30.2% 34.4% 34.4%
Future PE 8.42 9.59 29.14
Future EPS 33.63 46.38 46.38
Value Price
MOS %
69.99
188.9%
109.89
353.5%
334.08
1,278.8%
MOS Price 35.00 54.95 167.04
IRT 4.53 4.28 4.28

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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