What Is First Internet Bancorp (INBK) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, First Internet Bancorp's intrinsic value is estimated at a composite fair value of $57.83. At a current market price of $26.17, 9 of 12 active valuation models identify upside potential, projecting an average implied return of +121.0%. Notably, RCMH-DCF sees the most upside at +435.7% (fair value: $140.18), while Markov DDM is the most conservative at -90.5% ($2.48). The spread between these extremes — +526.2% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About INBK?
12 of 13 models are currently active for INBK. Of these, 9 models suggest upside while 3 models suggest overvaluation. The Bayesian DCF estimates INBK's intrinsic value at $137.29, implying +424.6% upside from the current price. See which stocks rank higher →
How Does INBK Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, INBK ranks #146 by Quality of Company score. CirclFi's QOC score of 6.9/10 evaluates 32 fundamental signals. A score of 6.9 indicates above-average quality.
See all Most Undervalued State Commercial Banks Stocks →
The State Commercial Banks sector introduces analytical considerations specific to financial institution businesses. For First Internet Bancorp, metrics like return on tangible equity provide important context that general-purpose valuation models may underweight.
Is INBK a Value Trap?
CirclFi's Value Trap algorithm assigns INBK a score of 8/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for First Internet Bancorp. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, First Internet Bancorp scores 6.9 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +526.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every INBK valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across INBK's 12 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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