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First Internet Bancorp INBK Q4 2025 Annual earnings

Reported January 29, 2026 · After market close

Revenue$42.1MMiss by $1.4M
EPS$0.64Beat by $0.05
Revenue estimate$43.5M
EPS estimate$0.59

Next report

Jul 30, 2026 (Today)
Revenue estimate$43.8M
EPS estimate$0.15

Financials

Q4 2025

Income statement

See full
Revenue$41.7M+5.6%

Balance sheet

See full
Cash & equivalents$456.8M-2.1%
Total debt$252.0M-13.4%
Total equity$359.8M-6.3%
Total assets$5.6B-2.9%

Cash flow

See full
Operating cash flow$23.7M—
CapEx$288.0K-41.8%
Free cash flow$23.4M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$181.7M—
Enterprise value-$23.03M—

Returns & leverage

See full
Debt / equity0.7×-0.1×

Segments

By product

See full
Service charges and fees$454.0K+83.1%
Loan servicing asset revaluation-$1.8M-321%

Versus estimates

Revenue

Q1 2026$43.1MMiss by $2.6M
Q4 2025$42.1MMiss by $1.4M
Q3 2025$57.9MBeat by $24.9MQ2 2025$32.0MMiss by $1.3MQ1 2025$34.0MBeat by $7.3MQ4 2024$92.4M

Diluted EPS

Q1 2026$0.29Beat by $0.21
Q4 2025$0.64Beat by $0.05
Q3 2025-$1.43Miss by $2.09Q2 2025$0.02Miss by $0.31Q1 2025$0.11Miss by $0.64Q4 2024$0.84

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Questions, answered.

When did First Internet Bancorp report Q4 2025 earnings?
First Internet Bancorp (INBK) reported Q4 2025 earnings on January 29, 2026 after market close.
What were First Internet Bancorp's Q4 2025 revenue and EPS?
First Internet Bancorp reported revenue of $42.1M and eps of $0.64 for Q4 2025.
Did First Internet Bancorp beat estimates in Q4 2025?
Revenue missed the consensus estimate of $43.5M by $1.4M. EPS beat the consensus estimate of $0.59 by $0.05.
How did First Internet Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 54.4% from $92.4M a year earlier and eps declined 23.4% from $0.84.
Where can I find First Internet Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001562463-26-000010) and the 10-K periodic report (0001562463-26-000022) directly on SEC EDGAR. The filing index links above go to sec.gov.