First Internet Bancorp — Earnings Quality Grade B
INBK · Financial Services
Generally healthy
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO increased by 13 days
AR growth -1.0% vs revenue growth -14.8%
Revenue -14.8%, CFFO -73.5%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -52.6% vs revenue -14.8%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = -0.10. Below 1.0
FCF $0.0B, FCF/NI = -0.06
Accruals ratio = -0.7%. Low accruals
Cash $0.5B covers debt $0.4B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 1% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 0% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
First Internet Bancorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25