Profitability
Weight: 25%
F
8
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 81.6%
- Efficiency Ratio Trend +1.70 pp/yr
INBK
First Internet Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C
52
- 5yr Avg ROE 4.3%
- 5yr Share-Count CAGR -2.4%
Growth Quality
Weight: 15%
C
54
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 13.5%
- Efficiency Ratio Trend (growth quality check) +1.70 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
18
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.09
Balance Sheet
Weight: 20%
C-
50
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 6.5%
Stability
Weight: 10%
C
52
- EPS Volatility (σ/μ) 0.39
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed.
- Holders
- 2
- Avg Δ position
- -17.0%
- New buys
- 0
- Full exits
- 0