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First Internet Bancorp INBK Q2 2025 earnings

Reported July 23, 2025 · After market close

Revenue$32.0MMiss by $1.3M
EPS$0.02Miss by $0.31
Revenue estimate$33.3M
EPS estimate$0.33

Next report

Oct 28, 2026 (in a month)
Revenue estimate$45.8M
EPS estimate$0.80

Financials

Q2 2025

Income statement

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Revenue$33.5M+3.7%
Net income$193.0K-96.7%
EPS (diluted)$0.02-97.0%

Balance sheet

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Cash & equivalents$446.4M+12.5%
Total debt$266.3M-52.9%
Total equity$390.2M+4.9%
Total assets$6.1B+13.6%

Cash flow

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Operating cash flow-$90.2M-663%
CapEx$650.0K+16.9%
Free cash flow-$90.8M-687%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$232.3M—
Enterprise value$52.24M—
P/E15×—
P/S1.6×—

Profitability

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Net margin10.9%-5.5pp

Returns & leverage

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Return on equity4.1%-1.0pp
Debt / equity0.7×-0.8×

Segments

By product

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Service charges and fees$278.0K+13.0%
Loan servicing asset revaluation-$1.2M-39.1%

FAQ

When did First Internet Bancorp report Q2 2025 earnings?
First Internet Bancorp (INBK) reported Q2 2025 earnings on July 23, 2025 after market close.
What were First Internet Bancorp's Q2 2025 revenue and EPS?
First Internet Bancorp reported revenue of $32.0M and eps of $0.02 for Q2 2025.
Did First Internet Bancorp beat estimates in Q2 2025?
Revenue missed the consensus estimate of $33.3M by $1.3M. EPS missed the consensus estimate of $0.33 by $0.31.
How did First Internet Bancorp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 4.1% from $30.8M a year earlier and eps declined 97.0% from $0.67.
Where can I find First Internet Bancorp's Q2 2025 SEC filings?
You can read the 8-K earnings release (0001562463-25-000068) and the 10-Q periodic report (0001562463-25-000071) directly on SEC EDGAR. The filing index links above go to sec.gov.