First Internet (INBK) Reports Q2 Earnings: What Key Metrics Have to Say

Core Insights - First Internet Bancorp (INBK) reported revenue of $33.55 million for the quarter ended June 2025, marking a year-over-year increase of 3.7% [1] - The earnings per share (EPS) for the same period was $0.02, a significant decline from $0.72 a year ago [1] - The reported revenue fell short of the Zacks Consensus Estimate of $35.85 million, resulting in a surprise of -6.42% [1] - The company experienced an EPS surprise of -93.94%, with the consensus EPS estimate being $0.33 [1] Financial Performance Metrics - Net Interest Margin was reported at 2%, below the estimated 2.2% by analysts [4] - Net Interest Income (FTE) was $29.15 million, compared to the average estimate of $30.66 million [4] - Total noninterest income was $5.56 million, falling short of the average estimate of $6.4 million [4] - Net Interest Income was reported at $27.99 million, compared to the average estimate of $29.47 million [4] Stock Performance - Shares of First Internet have returned +3.6% over the past month, while the Zacks S&P 500 composite increased by +5.9% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]