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First Internet Bancorp - Fixed- Earnings Calls
| Release date | Apr 29, 2026 |
| EPS estimate | $0.0083 |
| EPS actual | $0.290 |
| EPS Surprise | 3,385.58% |
| Revenue estimate | 44.78M |
| Revenue actual | 75.81M |
| Revenue Surprise | 69.29% |
| Release date | Jan 29, 2026 |
| EPS estimate | $0.568 |
| EPS actual | $0.640 |
| EPS Surprise | 12.68% |
| Revenue estimate | 43.5M |
| Revenue actual | 42.108M |
| Revenue Surprise | -3.20% |
| Release date | Oct 22, 2025 |
| EPS estimate | $0.634 |
| EPS actual | -$4.76 |
| EPS Surprise | -850.44% |
| Revenue estimate | 45.475M |
| Revenue actual | 59.741M |
| Revenue Surprise | 31.37% |
| Release date | Jul 23, 2025 |
| EPS estimate | $0.294 |
| EPS actual | $0.0220 |
| EPS Surprise | -92.51% |
| Revenue estimate | 35.993M |
| Revenue actual | 71.97M |
| Revenue Surprise | 99.96% |
Last 4 Quarters for First Internet Bancorp - Fixed-
Below you can see how INBKZ 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 | $24.45 |
| EPS estimate | $0.294 |
| EPS actual | $0.0220 |
| EPS surprise | -92.51% |
| Date | Price |
|---|---|
| Jul 17, 2025 | $24.67 |
| Jul 18, 2025 | $24.75 |
| Jul 21, 2025 | $24.74 |
| Jul 22, 2025 | $24.80 |
| Jul 23, 2025 | $24.45 |
| Jul 24, 2025 | $24.80 |
| Jul 25, 2025 | $24.67 |
| Jul 28, 2025 | $24.61 |
| Jul 29, 2025 | $24.81 |
| 4 days before | -0.89% |
| 4 days after | 1.48% |
| On release day | 1.42% |
| Change in period | 0.576% |
| Release date | Oct 22, 2025 |
| Price on release | $24.61 |
| EPS estimate | $0.634 |
| EPS actual | -$4.76 |
| EPS surprise | -850.44% |
| Date | Price |
|---|---|
| Oct 16, 2025 | $24.88 |
| Oct 17, 2025 | $24.43 |
| Oct 20, 2025 | $24.75 |
| Oct 21, 2025 | $24.80 |
| Oct 22, 2025 | $24.61 |
| Oct 23, 2025 | $24.25 |
| Oct 24, 2025 | $24.60 |
| Oct 27, 2025 | $24.70 |
| Oct 28, 2025 | $24.30 |
| 4 days before | -1.09% |
| 4 days after | -1.26% |
| On release day | -1.46% |
| Change in period | -2.33% |
| Release date | Jan 29, 2026 |
| Price on release | $24.50 |
| EPS estimate | $0.568 |
| EPS actual | $0.640 |
| EPS surprise | 12.68% |
| Date | Price |
|---|---|
| Jan 23, 2026 | $24.71 |
| Jan 26, 2026 | $24.72 |
| Jan 27, 2026 | $24.47 |
| Jan 28, 2026 | $24.47 |
| Jan 29, 2026 | $24.50 |
| Jan 30, 2026 | $24.70 |
| Feb 02, 2026 | $24.75 |
| Feb 03, 2026 | $24.70 |
| Feb 04, 2026 | $24.68 |
| 4 days before | -0.85% |
| 4 days after | 0.722% |
| On release day | 0.796% |
| Change in period | -0.133% |
| Release date | Apr 29, 2026 |
| Price on release | $24.89 |
| EPS estimate | $0.0083 |
| EPS actual | $0.290 |
| EPS surprise | 3,385.58% |
| Date | Price |
|---|---|
| Apr 23, 2026 | $24.80 |
| Apr 24, 2026 | $24.75 |
| Apr 27, 2026 | $25.00 |
| Apr 28, 2026 | $25.00 |
| Apr 29, 2026 | $24.89 |
| Apr 30, 2026 | $24.89 |
| May 01, 2026 | $24.95 |
| May 04, 2026 | $25.10 |
| May 05, 2026 | $25.25 |
| 4 days before | 0.343% |
| 4 days after | 1.47% |
| On release day | 0% |
| Change in period | 1.81% |
First Internet Bancorp - Fixed- Earnings Call Transcript Summary of Q1 2026
First Internet Bancorp reported strong Q1 2026 results, with total revenue of $43.1M (up 21% YoY) and net interest margin expansion to 2.45% (up 54 bps YoY). Net interest income grew ~26% YoY and pre-provision net revenue rose 51% YoY to $18.1M. Loans were $3.8B and deposits $5.0B, with fintech deposits averaging $2.4B (up 186% YoY) and ~$1.5B of fintech deposits moved off balance sheet to optimize asset size. Management highlighted improving credit trends—particularly in SBA and Franchise portfolios—lower-than-expected provision in Q1, but expects elevated provisions in Q2 with gradual improvement in H2 2026. Capital ratios remain strong (Total capital 12.5%, CET1 8.97%). Continued strategic investments in AI and technology, and momentum in Banking-as-a-Service (payments volume processed > $82B) were emphasized. Management maintained its 2026 outlook broadly, but noted macro uncertainty and possible moderation to loan growth targets due to payoffs and underwriting conservatism. Operational priorities: prudent SBA rebuild, continued fintech/onboarding discipline, balance sheet optimization via lower-cost fintech funding, and driving profitability in H2 2026 and into 2027.
