Sign In
Buy INBK
First Internet Bancorp Earnings Calls
| Release date | Apr 30, 2026 |
| EPS estimate | $0.0800 |
| EPS actual | $0.290 |
| EPS Surprise | 262.50% |
| Revenue estimate | 45.674M |
| Revenue actual | 43.116M |
| Revenue Surprise | -5.60% |
| Release date | Jan 29, 2026 |
| EPS estimate | $0.590 |
| EPS actual | $0.640 |
| EPS Surprise | 8.47% |
| Revenue estimate | 43.5M |
| Revenue actual | 42.108M |
| Revenue Surprise | -3.20% |
| Release date | Oct 22, 2025 |
| EPS estimate | $0.660 |
| EPS actual | -$1.43 |
| EPS Surprise | -316.67% |
| Revenue estimate | 33.033M |
| Revenue actual | 57.891M |
| Revenue Surprise | 75.25% |
| Release date | Jul 23, 2025 |
| EPS estimate | $0.330 |
| EPS actual | $0.0200 |
| EPS Surprise | -93.94% |
| Revenue estimate | 33.3M |
| Revenue actual | 32.039M |
| Revenue Surprise | -3.79% |
Last 4 Quarters for First Internet Bancorp
Below you can see how INBK performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 23, 2025 |
| Price on release | $27.38 |
| EPS estimate | $0.330 |
| EPS actual | $0.0200 |
| EPS surprise | -93.94% |
| Date | Price |
|---|---|
| Jul 17, 2025 | $27.70 |
| Jul 18, 2025 | $27.50 |
| Jul 21, 2025 | $27.14 |
| Jul 22, 2025 | $27.66 |
| Jul 23, 2025 | $27.38 |
| Jul 24, 2025 | $24.15 |
| Jul 25, 2025 | $23.24 |
| Jul 28, 2025 | $23.19 |
| Jul 29, 2025 | $22.92 |
| 4 days before | -1.16% |
| 4 days after | -16.29% |
| On release day | -11.80% |
| Change in period | -17.26% |
| Release date | Oct 22, 2025 |
| Price on release | $21.91 |
| EPS estimate | $0.660 |
| EPS actual | -$1.43 |
| EPS surprise | -316.67% |
| Date | Price |
|---|---|
| Oct 16, 2025 | $20.87 |
| Oct 17, 2025 | $20.84 |
| Oct 20, 2025 | $21.38 |
| Oct 21, 2025 | $21.66 |
| Oct 22, 2025 | $21.91 |
| Oct 23, 2025 | $19.79 |
| Oct 24, 2025 | $19.86 |
| Oct 27, 2025 | $19.24 |
| Oct 28, 2025 | $18.83 |
| 4 days before | 4.98% |
| 4 days after | -14.06% |
| On release day | -9.68% |
| Change in period | -9.77% |
| Release date | Jan 29, 2026 |
| Price on release | $22.24 |
| EPS estimate | $0.590 |
| EPS actual | $0.640 |
| EPS surprise | 8.47% |
| Date | Price |
|---|---|
| Jan 23, 2026 | $22.59 |
| Jan 26, 2026 | $22.67 |
| Jan 27, 2026 | $22.30 |
| Jan 28, 2026 | $21.22 |
| Jan 29, 2026 | $22.24 |
| Jan 30, 2026 | $21.79 |
| Feb 02, 2026 | $23.00 |
| Feb 03, 2026 | $22.21 |
| Feb 04, 2026 | $21.77 |
| 4 days before | -1.55% |
| 4 days after | -2.11% |
| On release day | -2.02% |
| Change in period | -3.63% |
| Release date | Apr 30, 2026 |
| Price on release | $22.92 |
| EPS estimate | $0.0800 |
| EPS actual | $0.290 |
| EPS surprise | 262.50% |
| Date | Price |
|---|---|
| Apr 24, 2026 | $22.52 |
| Apr 27, 2026 | $22.76 |
| Apr 28, 2026 | $23.16 |
| Apr 29, 2026 | $22.58 |
| Apr 30, 2026 | $22.92 |
| May 01, 2026 | $23.72 |
| May 04, 2026 | $24.54 |
| May 05, 2026 | $25.28 |
| May 06, 2026 | $25.17 |
| 4 days before | 1.78% |
| 4 days after | 9.82% |
| On release day | 3.49% |
| Change in period | 11.77% |
First Internet Bancorp Earnings Call Transcript Summary of Q1 2026
First Internet Bancorp reported a strong Q1 2026 with total revenue of $43.1M, up 21% YoY, driven by a 26% increase in net interest income and an expanded fully taxable equivalent net interest margin of 2.45% (up 54 bps YoY). Pre-provision net revenue rose 51% YoY to $18.1M. Total loans were $3.8B and total deposits $5.0B, with fintech deposits averaging $2.4B (up ~186% YoY) and ~$1.5B moved off balance sheet to optimize asset size while retaining fee streams. Management highlighted improving credit trends—provision for credit losses was $16.3M, delinquencies and nonperforming loans are showing improvement (notably in SBA), and remediation actions in SBA and Franchise Finance are producing results. Strategic priorities include continued investment in AI and technology, selective SBA origination (prioritizing credit quality over volume), growth in commercial lending verticals (construction, single-tenant lease financing, wealth advisory lending), and scaling Banking-as-a-Service fintech partnerships. The company affirmed its 2026 guidance broadly but noted heightened macro uncertainty, expects elevated credit provisions in Q2 with gradual improvement in H2, and reiterated a path toward stronger profitability in H2 2026 and into 2027.
