INBK
First Internet Bancorp Financial Services - Banks - Regional Investor Relations →
First Internet Bancorp (INBK) closed at $19.66 as of 2026-03-20, trading 24.4% below its 200-week moving average of $26.01. This places INBK in the extreme value zone. The stock moved further from the line this week, up from -24.9% last week. The 14-week RSI sits at 36, indicating neutral momentum.
Trading volume is running at 1.6x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.16 ratio) is neutral — neither side is clearly dominating.
Over the past 993 weeks of data, INBK has crossed below its 200-week moving average 8 times. On average, these episodes lasted 52 weeks. Historically, investors who bought INBK at the start of these episodes saw an average one-year return of +8.9%.
With a market cap of $171 million, INBK is a small-cap stock. Return on equity stands at -9.5%. The stock trades at 0.5x book value.
Over the past 19.1 years, a hypothetical investment of $100 in INBK would have grown to $230, compared to $651 for the S&P 500. INBK has returned 4.5% annualized vs 10.3% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -67.6% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: INBK vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After INBK Crosses Below the Line?
Across 8 historical episodes, buying INBK when it crossed below its 200-week moving average produced an average return of +9.2% after 12 months (median +2.0%), compared to +16.0% for the S&P 500 over the same periods. 50% of those episodes were profitable after one year. After 24 months, the average return was +60.5% vs +29.7% for the index.
Each line shows $100 invested at the moment INBK crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
INBK has crossed below its 200-week MA 8 times with an average 1-year return of +8.9% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Mar 2007 | Jun 2010 | 170 | 63.2% | -31.6% | +119.3% |
| Jun 2010 | Sep 2010 | 12 | 16.3% | +2.5% | +239.9% |
| Dec 2011 | Jan 2012 | 3 | 2.6% | +121.3% | +271.5% |
| Oct 2018 | Feb 2020 | 69 | 37.1% | -19.8% | -23.0% |
| Feb 2020 | Nov 2020 | 37 | 51.5% | +36.7% | -14.1% |
| Oct 2022 | Jan 2024 | 66 | 63.0% | -30.8% | -9.1% |
| Jun 2024 | Jul 2024 | 5 | 10.1% | -16.2% | -29.6% |
| Feb 2025 | Ongoing | 56+ | 37.5% | Ongoing | -33.1% |
| Average | 52 | — | +8.9% | — |
Frequently Asked Questions
Is INBK below its 200-week moving average?
Yes. As of 2026-03-20, First Internet Bancorp (INBK) is trading 24.4% below its 200-week moving average of $26.01. The current price is $19.66.
What is INBK's 200-week moving average price?
First Internet Bancorp's 200-week moving average is $26.01 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when INBK drops below its 200-week moving average?
INBK has crossed below its 200-week moving average 8 times in our data. On average, buying at that moment produced a one-year return of +8.9%. These dips have historically been decent entry points. These episodes lasted 52 weeks on average.
Is INBK a good value right now?
Here's what our data says about INBK as of 2026-03-20: The stock is below its 200-week moving average, which is the starting point for our analysis. The 14-week RSI is 36. Return on equity is -9.5%. Price-to-book is 0.5x. This is not a buy or sell recommendation — always do your own research.
How does INBK compare to the S&P 500?
Over the past 19.1 years, $100 invested in INBK would have grown to $230, compared to $651 for the S&P 500. That's 4.5% annualized vs 10.3% for the index. INBK has underperformed the broader market over this period.
Does INBK pay a dividend?
Yes. First Internet Bancorp currently pays a dividend yield of 122.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20