Is INBK or INTR more undervalued in 2026?

CirclFi compares First Internet Bancorp (INBK) and Inter & Co. Inc. (INTR) using 13 institutional-grade valuation models. INBK has a Quality of Company score of 6.4/10 while INTR scores 8.6/10.

Which is a better buy — INBK or INTR?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do INBK and INTR valuations compare?

INBK at $24.15 and INTR at $6.34 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

INBK vs INTR Valuation Comparison 2026 — Intrinsic Value Analysis

INBK

Banks - Regional

First Internet Bancorp

Quality

6.4

out of 10

Value Trap

SAFE

Price

$24.15

Last close

Models

10/13

Active

INTR

Banks - Regional

Inter & Co. Inc.

Quality

8.6

out of 10

Value Trap

SAFE

Price

$6.34

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	INBK Fair Value	INBK Upside	INTR Fair Value	INTR Upside
Bayesian DCF	Intrinsic	$31.06	+28.6%	$6.66	+5.1%
Earnings Power Value	Intrinsic	$110.35	+365.2%	$5.48	-13.6%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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INBK vs INTR — Which Stock Is More Undervalued?

INTR scores higher with a 8.6/10 quality rating vs INBK's 6.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing First Internet Bancorp (INBK) and Inter & Co. Inc. (INTR) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

INBK currently trades at $24.15 with a QOC of 6.4/10, while INTR trades at $6.34 with a QOC of 8.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).