INBK
First Internet Bancorp Financial Services - Banks - Regional Investor Relations →
First Internet Bancorp (INBK) closed at $29.46 as of 2026-07-31, trading 18.4% above its 200-week moving average of $24.89. The stock moved further from the line this week, up from 6.2% last week. With a 14-week RSI of 72, INBK is in overbought territory.
A big jump in activity this week — 2.5x the usual volume, and the price went up. Significantly more people than usual decided to buy. This kind of surge, especially on a stock already below its 200-week average, can be an early sign that sentiment is shifting.
Over the past 1012 weeks of data, INBK has crossed below its 200-week moving average 8 times. On average, these episodes lasted 54 weeks. Historically, investors who bought INBK at the start of these episodes saw an average one-year return of +3.9%.
With a market cap of $257 million, INBK is a small-cap stock. Return on equity stands at -8.3%. The stock trades at 0.7x book value.
Over the past 19.4 years, a hypothetical investment of $100 in INBK would have grown to $346, compared to $749 for the S&P 500. INBK has returned 6.6% annualized vs 10.9% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -67.6% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($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 +52.7% vs +31.1% 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.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices INBK would reach each dislocation threshold.
Dislocation Price Levels
Prices where INBK's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $18.70 | Unusually cheap — potential buy zone |
| Value | +1σ | $20.38 | Cheap vs. own history |
| Fair Value | +0σ | $22.39 | Historical mean behavior |
| Expensive | -1σ | $24.85 | Expensive vs. own history |
| Deep Expensive | -2σ | $27.90 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from INBK's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
INBK has crossed below its 200-week MA 8 times with an average 1-year return of +3.9% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Mar 2007 | Jun 2010 | 170 | 63.2% | -31.6% | +230.3% |
| Jun 2010 | Sep 2010 | 12 | 16.3% | +2.5% | +412.0% |
| Dec 2011 | Jan 2012 | 3 | 2.6% | +121.3% | +459.6% |
| Oct 2018 | Feb 2020 | 69 | 37.1% | -19.8% | +16.0% |
| Feb 2020 | Nov 2020 | 37 | 51.5% | +36.7% | +29.3% |
| Oct 2022 | Jan 2024 | 66 | 63.0% | -30.8% | +36.9% |
| Jun 2024 | Jul 2024 | 5 | 10.1% | -16.2% | +6.0% |
| Feb 2025 | Jun 2026 | 67 | 37.5% | -31.0% | +0.8% |
| Average | 54 | — | +3.9% | — |
Frequently Asked Questions
Is INBK below its 200-week moving average?
No. First Internet Bancorp (INBK) is currently 18.4% above its 200-week moving average of $24.89. It would need to fall to $24.89 to cross below the line.
What is INBK's 200-week moving average price?
First Internet Bancorp's 200-week moving average is $24.89 as of 2026-07-31. 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 +3.9%. These dips have historically been decent entry points. These episodes lasted 54 weeks on average.
Is INBK a good value right now?
Here's what our data says about INBK as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 72 (overbought). Return on equity is -8.3%. Price-to-book is 0.7x. 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 19.4 years, $100 invested in INBK would have grown to $346, compared to $749 for the S&P 500. That's 6.6% annualized vs 10.9% 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 82.00%.
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 2026-07-31