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Noticias de INBK
Eventos de INBK
FY26 Loan Growth Expected Between 4% and 6%
For FY26, sees: Loan growth in the range of 4% to 6%, driven by solid pipelines across our commercial lending verticals; FTE net interest margin expansion, reaching 2.75% to 2.80% by the fourth quarter of 2026, driven by ongoing deposit repricing and optimized asset mix; FTE net interest income in the range of $141 million to $142 million; Noninterest income in the range of $40.5 million to $41 million, reflecting continued BaaS growth and increasing small business lending originations and gain on sale activity in the second half of 2026; Noninterest expense in the range of $106 million to $107 million.
First Internet Bancorp Reports Q2 Revenue of $41.12M
Reports Q2 revenue $41.12M, consensus $36.59M. "Our second quarter results reflect strong momentum across the business, paired with a meaningful and encouraging improvement in our credit trends," said David Becker, Chairman and CEO of First Internet Bancorp. "Total revenue grew 23% year-over-year and pre-provision net revenue increased nearly 28%, while our fully-taxable equivalent net interest margin expanded 43 basis points to 2.47%. Just as importantly, our credit provision declined, nonperforming loans decreased sequentially for the first time in several quarters, small business lending net charge-offs improved significantly, and delinquencies across the portfolio fell sharply - clear evidence that the proactive credit actions we have taken over the past several quarters are working."
First Internet Bancorp Reports Q1 Revenue of $43.1M
Reports Q1 revenue $43.1M, two estimates $34.15M. "We kicked off the new year with strong first quarter results, demonstrating the resilience of our diversified business model and the solid foundation we've built to navigate an uncertain macroeconomic environment from a position of strength," said David Becker, Chairman and CEO of First Internet Bancorp. "We generated 21% revenue growth, 51% growth in pre-provision net revenue, and expanded our net interest margin 54 basis points year-over-year to 2.45%, reflecting years of disciplined balance sheet repositioning and proactive liability management. We're also seeing tangible evidence that our enhanced underwriting standards and risk management initiatives are yielding favorable results, particularly in our SBA portfolio where unguaranteed nonperforming loans and delinquencies have improved both sequentially and year-over-year."
First Internet Bancorp Reports Q4 Revenue of $41.7M
Reports Q4 revenue $41.7M, consensus $32.8M. Reports Q4: Net interest margin of 2.22% and FTE net interest margin of 2.30%, each increased 55 basis points, from the prior year period. Pre-provision net revenue of $17.5 million1 and adjusted PPNR of $17.9 million1, which increased 66% from the prior year period. "We are pleased to close 2025 with strong fourth quarter results that demonstrate the resilience of our differentiated digital banking model," said David Becker, Chairman and CEO of First Internet Bancorp. "In 2025, we produced solid core financial performance as net interest income grew 30% year-over-year and delivered meaningful strategic accomplishments including the successful $850 million single tenant lease financing loan sale to Blackstone, exceptional growth in our Banking-as-a-Service initiatives and strategic investments in technology to further improve our credit underwriting and efficiency."
First Internet Bancorp Announces Q3 Adjusted EPS of $1.43, Exceeding Consensus Estimate of 64 Cents
Reports Q3 revenue $43.5M, consensus $33.25M. Tangible book value per share was $39.88 vs. $44.25 in Q2. "Our Q3 results demonstrated strong operational momentum with solid growth in net interest income and continued improvement in our net interest margin," said David Becker, CEO. "We have now achieved eight consecutive quarters of increasing net interest income, attributable to higher yields on our earning assets and reduced funding costs, both of which have materially enhanced our operating efficiency. Additionally, we attained significant growth in fintech deposits, which has enabled us to maintain strong balance sheet liquidity, as evidenced by our favorable loans-to-deposits ratio. We also completed a major loan sale and moved deposits off balance sheet which will enhance our regulatory capital ratios and provide balance sheet flexibility. In Q3, we took decisive action to address credit issues in our small business lending and franchise finance portfolios, which provides us with a cleaner credit profile and sets the stage for improved performance in future quarters. Entering Q4, we see encouraging signs in both portfolios with asset quality improving and delinquencies at their lowest level in a year. Our loan pipelines remain robust, and we are now well-positioned to grow earnings and accelerate our ability to achieve a ROAA of 1%."
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