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OPBK (63) MRBK (61) GBFH (46) CFBK (66) ⌘ Pro Terminal β†’

First Internet Bancorp (INBK) Options Positioning, Max Pain & Unusual Sweeps

$26.85 +4.03% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $26.99

First Internet Bancorp (INBK) carries a Roarable Rating of D- (Sell) with 43/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- β€’ SELL / AVOID Cap $225.4M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is INBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, First Internet Bancorp (NASDAQ: INBK) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 43/100 at a spot price of $26.85 (+4.03% 1D, market cap $225.4M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, INBK ranks #874 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does INBK compare to OPBK and MRBK in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), INBK carries a Roarable D- (43/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of -9.8%. By comparison, OPBK (OP Bancorp) holds a C grade (63/100 RQD, P/E 9.0x, ROIC 11.2%, cap $225.2M) and MRBK (Meridian Corporation) posts a C- grade (61/100 RQD, P/E 10.4x, ROIC 10.9%, cap $223.1M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while GBFH leads on capital efficiency (12.6% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for INBK?
β–Ό

Per INBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001562463), First Internet Bancorp generated $2.34B in revenue (-2.9% YoY), -$35.2M in net income, and $2.2M in free cash flow against $5.57B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
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INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $26.99 (+0.54%)🧬 Dilution Drag (+1.92% YoY Shares)βš™οΈ Cash Engine: 10/20 (D) β€’ 0.1% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (43/100 Β· D-) historically underperformed SPY in 71% of rolling 90-day windows (-6.7% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERSELL / AVOID β€’ D-
025507510043
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D- Β· Rk D+
Cash (10)Whales (7)SEC (10)Macro (11)CEO (5)
Each axis scored 0–20
12M PRICE TARGET CONE-6.7% Base Target
$33 Bull$25 Base$20 Bear
πŸ“¬ FREE INBK RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for INBK)Realized 20D OHLCV Swing Band: Β±6.4%
Deterministic 5-Pillar Attribution (43/100 Composite)
πŸ” WHY INBK SCORES 43/100 (D-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Macro Regime Fit+11/20 pts (26% of score)

FRED Regime Γ— Technicals: 70% of 52W Range β€’ RSI-14 at 44.9 (NEUTRAL RANGE)

β–² #2 Bullish Driver: Cash Engine Quality+10/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 0.1% FCF Margin ($2.2M FCF) & 52% Gross Margin

β–Ό #1 Drag / Risk Factor: Insider Conviction & Share Dilution5/20 pts (-15 pt drag)

Dilution Drag (+1.92% YoY Shares) & executive Form 4 sales trim 15 pts from alignment

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
35
Grade E$26.09-0.4% Next Q
Q2 (-2Q)
38
Grade E$25.99+3.2% Next Q
Q3 (-1Q)
40
Grade D$26.81+0.1% Next Q
Current
43
Grade D-$26.85-6.7% Hist 90D Ξ±
Trajectory: E (35) β†’ D- (43)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a INBK Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While INBK currently carries a cautious 43/100 (D-) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($27.07) and Max Pain ($28.19) forces dealer call-delta covering toward $32.64.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Dilution Drag (+1.92% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $INBKβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œINBK Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 43%NO 57%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±6.4%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (INBK)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for INBK.

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring INBK)

  • βœ“Walkthrough of INBK's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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INBK // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.41%β–Ό DESCENDING CHANNEL
2026-11-03O $27.27H $27.27L $25.81C $26.85VOL 71.5K
RES: $27.56SUP: $23.97SMA50: $27.07SMA200: $24.79
$31.77$28.96$26.15$23.34$20.53RES $27.56SUP $23.97$26.852026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

INBK Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ INBK Butterfly Map β†’ + Track INBK β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. -2.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on INBK today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for INBK. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for INBK today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (INBK)

Financials Rank #874 of 1097 βš”οΈ OPBK vs INBK Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (INBK vs. OPBK, MRBK, GBFH, CFBK)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, First Internet Bancorp (INBK) ranks #874 by composite RQD confidence (43/100, grade D-) and #864 by equity capitalization ($225.4M). Within this direct 5-issuer industry benchmark cohort, OPBK leads on earnings valuation at 9.0x trailing P/E, while GBFH leads on capital efficiency and profitability with 12.6% ROIC and β€” gross margin. CFBK currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with INBK at 43/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
INBK ACTIVE
First Internet Bancorp
D- 43/100 β€” β€” -9.8% +4.03% $225.4M Benchmark Subject
OPBK
OP Bancorp
C 63/100 9.0x β€” 11.2% +1.66% $225.2M /opbk-vs-inbk β†’
MRBK
Meridian Corporation
C- 61/100 10.4x β€” 10.9% -0.69% $223.1M /mrbk-vs-inbk β†’
GBFH
GBank Financial Holdings Inc.
D 46/100 10.6x β€” 12.6% +1.06% $220.1M /gbfh-vs-inbk β†’
CFBK
CF Bankshares Inc.
C+ 66/100 12.7x β€” 9.5% +2.49% $219.1M /cfbk-vs-inbk β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001562463 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), First Internet Bancorp (INBK) reported GAAP revenue of $2.34B (-2.9% vs. FY2024 revenue of $2.41B , and +5172.4% cumulative change since FY2023) , GAAP net income of -$35.2M, operating cash flow of $3.4M, and free cash flow of $2.2M (-78.6% YoY). On the balance sheet, INBK closed FY2025 with $5.57B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $2.34B -$35.2M $3.4M $2.2M $5.57B β€”
FY2024 (FY) 2024-12-31 $2.41B $25.3M $13.0M $10.4M $5.74B β€”
FY2023 (FY) 2023-12-31 $44.4M $8.4M $11.7M $11.7M β€” β€”

3. INBK Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is INBK stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, First Internet Bancorp (NASDAQ: INBK) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 43/100 at a spot price of $26.85 (+4.03% 1D, market cap $225.4M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 5/20. Across 1097 tracked Financials issuers, INBK ranks #874 in composite RQD confidence.

How does INBK compare to OPBK and MRBK in the Financials sector?

Within the Financials sector (Major Banks), INBK carries a Roarable D- (43/100 RQD), trailing P/E of N/A, gross margin of β€”, and ROIC of -9.8%. By comparison, OPBK (OP Bancorp) holds a C grade (63/100 RQD, P/E 9.0x, ROIC 11.2%, cap $225.2M) and MRBK (Meridian Corporation) posts a C- grade (61/100 RQD, P/E 10.4x, ROIC 10.9%, cap $223.1M). Among the 5-stock peer group, OPBK leads on earnings multiple (9.0x) while GBFH leads on capital efficiency (12.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for INBK?

Per INBK's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001562463), First Internet Bancorp generated $2.34B in revenue (-2.9% YoY), -$35.2M in net income, and $2.2M in free cash flow against $5.57B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is INBK trading relative to its 50-day, 200-day, and 52-week technical levels?

INBK last traded at $26.85 (+4.03% on volume of 120,113 shares), positioning the stock -0.81% below its 50-day simple moving average ($27.07) and +8.31% above its 200-day simple moving average ($24.79). Across its 52-week range of $17.05 to $31.09, INBK sits at the 69.8% percentile with a 14-day RSI of 44.9 (NEUTRAL RANGE) and an implied next-earnings move of Β±6.4% ($25.13 to $28.57).

Direct Sub-Reports: INBK RQD Cockpit INBK 12M Forecast INBK Earnings & Move INBK Dividends & DRIP INBK Insiders & 13F INBK Whale Options INBK Profit Sankey INBK News & Why
ROARABLE RATING BRIEF β€’ RQD 43/100 (D-) βœ“ SEC XBRL & RQD VERIFIED

INBK β€” First Internet Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

First Internet Bancorp (INBK) earns a live Roarable RQD composite score of 43/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $26.85 (+4.03% 1D, market capitalization $225.4M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of -9.8%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 0.93%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (5/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 3/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

First Internet Bancorp (INBK) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $225.4M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of -9.8% (free cash flow yield of 0.93%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), First Internet Bancorp (INBK) reported $2.34B in annual revenue (up from $2.41B in FY2024, -2.9% YoY) and -$35.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($44.4M revenue, $8.4M net income) through FY2025, INBK scaled operating cash flow to $3.4M and free cash flow to $2.2M, backed by $5.57B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D- β€’ RQD 43/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of 0.93% and institutional whale pillar of 7/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $17.05 – $31.09 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), INBK carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can INBK sustain or expand its β€” operating margin and -9.8% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $2.34B and free cash flow of $2.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is INBK's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

INBK Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for First Internet Bancorp (INBK) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to INBK Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

INBK Bull vs. Bear Conversation Board β€” What's Your Call at $26.85?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON INBK 🐻 33% BEARISH CONVICTION
1. Pick Your Side on INBK:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER β€’ Verified $100K Arena Trader πŸ‚ BULLISH 🎯 Target: $33.29 (+29.0%)
πŸ“Œ Pinned Debate

Whale 13F Flow (12/20) and Macro Regime Fit (12/20) pillars indicate institutional accumulation activity and a beta of 1.0 that tracks

The street is overcomplicating First Internet Bancorp (INBK). Whale 13F Flow (12/20) and Macro Regime Fit (12/20) pillars indicate institutional accumulation activity and a beta of 1.0 that tracks rather than amplifies the market.. With an RQD score of 43/100 (D-) and Forensic Balance Sheet at 10/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $27.87.

SectorRotator πŸ‚ BULL

@ShortSeller_Dan Fair point on current EV/EBITDA multiples, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER β€’ Forensic Short Bias 🐻 BEARISH 🎯 Target: $20.91 (-19.0%)
Spot @ $25.81

The Insider Conviction pillar scores 5/20 and net income fell to -$35.2M in FY 2025 with ROIC of -9.8%, alongside a Piotroski F-Score o

I respect the product at First Internet Bancorp, but the stock at $25.81 is a different story. The Insider Conviction pillar scores 5/20 and net income fell to -$35.2M in FY 2025 with ROIC of -9.8%, alongside a Piotroski F-Score of 3/9.. FCF yield is 0.93% and RQD sits at 43/100 (D-) β€” why pay up here when you can wait for next quarter's numbers?

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