INBK
First Internet Bancorp Financial Services - Banks - Regional Investor Relations →
First Internet Bancorp (INBK) closed at $22.00 as of 2026-02-02, trading 17.1% below its 200-week moving average of $26.52. This places INBK in the extreme value zone. The stock moved further from the line this week, up from -18.1% last week. With a 14-week RSI of 74, INBK is in overbought territory.
Over the past 987 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 $192 million, INBK is a small-cap stock. Return on equity stands at -9.5%. The stock trades at 0.5x book value.
The company has been aggressively buying back shares, reducing its share count by 11.1% over the past three years.
Over the past 19 years, a hypothetical investment of $100 in INBK would have grown to $257, compared to $692 for the S&P 500. INBK has returned 5.1% annualized vs 10.7% for the index, underperforming the broader market over this period.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
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 +10.0% after 12 months (median +2.0%), compared to +16.1% 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% | +145.4% |
| Jun 2010 | Sep 2010 | 12 | 16.3% | +2.5% | +280.4% |
| Dec 2011 | Jan 2012 | 3 | 2.6% | +121.3% | +315.7% |
| Oct 2018 | Feb 2020 | 69 | 37.1% | -19.8% | -13.8% |
| Feb 2020 | Nov 2020 | 37 | 51.5% | +36.7% | -3.9% |
| Oct 2022 | Jan 2024 | 66 | 63.0% | -30.8% | +1.7% |
| Jun 2024 | Jul 2024 | 5 | 10.1% | -16.2% | -21.3% |
| Feb 2025 | Ongoing | 50+ | 37.5% | Ongoing | -25.1% |
| Average | 52 | — | +8.9% | — |
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 Friday close, 2026-02-02