Profitability
Weight: 25%
F
26
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.3%
- Operating Margin Trend -11.61 pp/yr
INBK
First Internet Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
C
55
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 4.6%
- 5yr Share-Count CAGR -3.3%
Growth Quality
Weight: 10%
C-
49
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 5.8%
- 5yr EPS CAGR -15.8%
- Positive-EPS Years (5) 4/5
Cash Generation
Weight: 5%
A+
99
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.34x
Balance Sheet
Weight: 30%
D
35
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 6.5%
- Interest Coverage (EBIT/Int) -0.25x
Stability
Weight: 10%
C-
48
- EPS Volatility (σ/μ) 0.39
- Piotroski F-Score 4
- Negative-Revenue Years (5) 2/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed.
- Holders
- 2
- Avg Δ position
- -12.6%
- New buys
- 0
- Full exits
- 0