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First Internet (INBK) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

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First Internet Bancorp (INBK - Free Report) reported $43.94 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 33.9%. EPS of $0.57 for the same period compares to -$1.43 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $44.9 million, representing a surprise of -2.14%. The company delivered an EPS surprise of -28.75%, with the consensus EPS estimate being $0.80.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how First Internet performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Net Interest Margin: 2.5% versus the two-analyst average estimate of 2.6%.
  • Net Interest Income (FTE): $35.86 million versus the two-analyst average estimate of $35.96 million.
  • Total noninterest income: $9.2 million versus the two-analyst average estimate of $10.1 million.
  • Net Interest Income: $34.74 million versus $34.83 million estimated by two analysts on average.

View all Key Company Metrics for First Internet here>>>

Shares of First Internet have returned +1.2% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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