$23.67

-0.49 (-2.03%)

Weekly Expected Move ±4.8%

$21 $22 $23 $24 $25

NASDAQ · Financial Services · Banks - Regional · Alpha Radar Buy · Power 54 · $206.3M mcap · 8M float · 0.794% daily turnover · Short 42% of daily vol

Overview News Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Dividends Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NO EDGE

26.8 / 100

NoneWeakNarrowWide

Primary source: Efficient Scale · ROIC: 55.4%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale ★

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. INBK has No discernible competitive edge (26.8/100). The business operates without significant structural advantages. The primary source of advantage is Efficient Scale. ROIC of 55.4% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$24

Low

$24

Avg Target

$24

High

Based on 1 analyst since Apr 30, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 4Hold: 6Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$24.00

Analysts1

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-01	Piper Sandler	Nathan Race	$24	$24	+0	+4.7%	$22.92
2026-01-30	Piper Sandler	—	$22	$24	+2	+5.7%	$22.24
2026-01-30	Hovde Group	Brett Rabatin	$28	$29	+1	+30.4%	$22.24
2025-10-27	Piper Sandler	—	$40	$22	-18	+10.8%	$19.86
2025-04-25	Hovde Group	—	Initiated	$28	—	+33.6%	$20.96
2024-07-29	Piper Sandler	Nathan Race	$34	$40	+6	+3.6%	$39.10
2024-07-26	Craig-Hallum	George Sutton	Initiated	$45	—	+18.6%	$37.95
2024-04-29	Piper Sandler	Nathan Race	Initiated	$34	—	+8.8%	$31.25

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

C+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. INBK receives an overall rating of C+. Strongest factors: DCF (4/5), P/B (4/5). Areas of concern: ROE (1/5), ROA (1/5), D/E (2/5), P/E (1/5).

Rating Change History

Date	From	To
2026-05-04	C-	C+
2026-05-01	D+	C-
2026-04-30	C	D+
2026-04-27	C-	C
2026-04-24	C	C-
2026-04-21	C-	C
2026-04-01	C	C-
2026-01-30	C+	C

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 23 Grade D

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. INBK scores highest in Earnings Quality (71/100) and lowest in Profitability (13/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

1.48

Distress Zone

Piotroski F-Score

5/9

✗ ✓ ✗ ✓ ✗ ✓ ✓ ✓ ✗

Beneish M-Score

-3.26

Unlikely Manipulator

Ohlson O-Score

-4.50

Bankruptcy prob: 1.1%

Low Risk

Credit Rating

B+

Score: 34.5/100

Trend: Deteriorating

Earnings Quality

—

OCF/NI: -1.37x

Accruals: -1.4%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. INBK scores 1.48, placing it in the Distress Zone (safe > 3.0, distress < 1.5). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. INBK scores 5/9, indicating moderate financial health — some areas of strength offset by weaknesses in others. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. INBK's score of -3.26 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. INBK's implied 1.1% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. INBK receives an estimated rating of B+ (score: 34.5/100), with a deteriorating trend.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

-6.15x

PEG

0.02x

P/S

0.65x

P/B

0.57x

P/FCF

3.96x

P/OCF

3.87x

EV/EBITDA

5.59x

EV/Revenue

-0.79x

EV/EBIT

5.11x

EV/FCF

-5.56x

Earnings Yield

-18.80%

FCF Yield

25.25%

Shareholder Yield

1.46%

Graham Number

—

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. INBK currently has negative earnings — the P/E ratio is not meaningful.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.684

NI / EBT

Interest Burden

1.000

EBT / EBIT

EBIT Margin

-0.154

EBIT / Rev

Asset Turnover

0.057

Rev / Assets

Equity Multiplier

15.204

Assets / Equity

ROE

-9.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. INBK's ROE of -9.0% is driven by financial leverage (equity multiplier: 15.20x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

—

Price/Value

—

Margin of Safety

—

Premium

—

Assessment

Overvalued

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$23.67

Median 1Y

$21.43

5th Pctile

$9.57

95th Pctile

$48.59

Ann. Volatility

53.2%

Analyst Target

$24.00

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
David B. Becker President and Chief Executive Officer	$400,000	$—	$412,795
C. Charles Perfetti Sr. Vice President and Secretary	$190,000	$—	$216,305
Kay E. Whitaker former Chief Financial Officer	$194,231	$—	$203,089
Nicole S. Lorch Exec. Vice President and Chief Operating Officer	$155,000	$—	$201,258
Edward A. Roebuck Former Sr. Vice	$155,000	$—	$193,823
Kenneth J. Lovik Exec. Vice President and Chief Financial Officer	$86,538	$—	$103,601

CEO Pay Ratio

Insufficient data for pay ratio.

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

—

-100.0% YoY

Revenue / Employee

—

Rev: $322,869,000

Profit / Employee

—

NI: $-35,168,000

SGA / Employee

—

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	13.5%	14.7%	13.5%	13.7%	12.7%	11.7%	9.5%	5.7%	4.2%	2.9%	2.3%	4.6%	5.1%	6.1%	6.8%	5.6%	4.1%	-8.9%	-9.5%	-9.0%	-9.03%
ROA	1.0%	1.1%	1.1%	1.2%	1.1%	1.0%	0.8%	0.5%	0.4%	0.2%	0.2%	0.3%	0.4%	0.5%	0.5%	0.4%	0.3%	-0.6%	-0.6%	-0.6%	-0.59%
ROIC	5.4%	5.8%	-1.0%	-1.1%	-97.4%	-89.6%	8.1%	4.9%	3.6%	2.4%	4.2%	8.2%	9.2%	10.9%	-26.5%	-22.0%	-16.2%	39.7%	57.3%	55.4%	55.35%
ROCE	5.6%	6.1%	5.7%	5.7%	5.3%	4.8%	3.7%	2.0%	1.3%	0.8%	0.5%	1.4%	1.7%	2.1%	3.4%	2.7%	1.8%	-6.0%	-0.9%	-0.9%	-0.88%
Gross Margin	70.0%	70.1%	74.7%	73.2%	70.8%	62.2%	48.3%	24.6%	33.8%	31.1%	30.8%	33.5%	33.2%	33.8%	33.5%	25.7%	21.7%	-53.4%	33.2%	30.7%	30.70%
Operating Margin	39.4%	35.4%	35.1%	31.5%	27.2%	22.3%	13.6%	-9.6%	5.8%	4.5%	4.9%	7.5%	7.5%	8.9%	9.0%	0.0%	-2.2%	-94.2%	6.2%	2.0%	2.04%
Net Margin	33.3%	29.9%	30.3%	27.2%	24.0%	20.0%	12.6%	-5.4%	6.2%	4.9%	5.7%	6.9%	7.2%	8.2%	7.9%	1.1%	0.2%	-71.8%	5.9%	2.9%	2.87%
EBITDA Margin	49.0%	41.8%	40.3%	37.1%	33.0%	27.4%	17.5%	-7.7%	8.8%	4.6%	8.7%	10.0%	9.9%	11.5%	11.6%	1.3%	0.1%	-90.3%	6.2%	2.0%	2.04%
FCF Margin	23.5%	37.0%	15.4%	12.7%	22.5%	38.8%	37.5%	25.2%	8.5%	0.1%	2.4%	1.8%	10.6%	9.2%	3.1%	12.0%	-18.7%	-8.7%	0.7%	14.1%	14.12%
OCF Margin	40.2%	54.7%	33.8%	33.6%	40.2%	52.1%	47.6%	30.7%	12.3%	3.5%	4.5%	3.1%	11.9%	10.0%	3.9%	12.5%	-18.1%	-8.2%	1.1%	14.4%	14.45%
ROE 3Y Avg	snapshot only																				0.24%
ROE 5Y Avg	snapshot only																				3.88%
ROA 3Y Avg	snapshot only																				0.03%
ROIC Economic	snapshot only																				-5.48%
Cash ROA	snapshot only																				0.83%
NOPAT Margin	snapshot only																				-12.14%
Pretax Margin	snapshot only																				-15.37%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				14.91%
SBC / Revenue	snapshot only																				0.38%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	6.91	6.43	9.43	8.40	7.60	7.51	6.21	6.88	8.28	13.15	24.70	18.06	12.51	13.49	12.40	11.13	15.21	-5.92	-5.20	-5.32	-6.148
P/S Ratio	1.74	1.80	2.80	2.53	2.12	1.90	1.27	0.78	0.61	0.59	0.80	1.07	0.78	0.95	0.94	0.68	0.67	0.61	0.58	0.56	0.646
P/B Ratio	0.90	0.91	1.19	1.08	0.91	0.82	0.60	0.40	0.35	0.38	0.57	0.83	0.64	0.82	0.82	0.61	0.61	0.51	0.51	0.50	0.572
P/FCF	7.43	4.88	18.19	19.96	9.43	4.90	3.38	3.10	7.25	685.05	32.93	60.39	7.32	10.29	30.13	5.68	-3.61	-7.04	82.40	3.96	3.960
P/OCF	4.33	3.30	8.27	7.52	5.27	3.65	2.67	2.54	5.01	16.79	17.80	35.01	6.55	9.47	24.12	5.44	—	—	53.06	3.87	3.871
EV/EBITDA	-0.42	-0.35	0.41	-0.24	-1.33	-2.01	6.00	7.50	9.35	16.03	4.39	6.20	2.83	4.34	-4.62	-8.28	-11.26	7.02	5.41	5.59	5.586
EV/Revenue	-0.15	-0.14	0.17	-0.10	-0.51	-0.69	1.69	1.17	0.96	0.89	0.18	0.50	0.24	0.44	-0.50	-0.71	-0.70	-0.88	-0.78	-0.79	-0.786
EV/EBIT	-0.49	-0.40	0.48	-0.29	-1.57	-2.39	7.31	10.07	13.86	25.77	9.50	8.75	3.86	6.01	-6.03	-11.17	-17.33	5.90	4.85	5.11	5.113
EV/FCF	-0.63	-0.37	1.08	-0.80	-2.26	-1.78	4.50	4.63	11.31	1040.56	7.43	28.00	2.23	4.73	-15.98	-5.96	3.76	10.17	-111.14	-5.56	-5.565
Earnings Yield	14.5%	15.6%	10.6%	11.9%	13.2%	13.3%	16.1%	14.5%	12.1%	7.6%	4.0%	5.5%	8.0%	7.4%	8.1%	9.0%	6.6%	-16.9%	-19.2%	-18.8%	-18.80%
FCF Yield	13.5%	20.5%	5.5%	5.0%	10.6%	20.4%	29.6%	32.3%	13.8%	0.1%	3.0%	1.7%	13.7%	9.7%	3.3%	17.6%	-27.7%	-14.2%	1.2%	25.3%	25.25%
PEG Ratio	snapshot only																				0.024
Price/Tangible Book	snapshot only																				0.503
EV/OCF	snapshot only																				-5.439
EV/Gross Profit	snapshot only																				-5.707
Shareholder Yield	snapshot only																				1.46%

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.57	0.57	0.60	0.60	0.60	0.60	0.46	0.46	0.46	0.46	0.45	0.45	0.45	0.45	0.38	0.38	0.38	0.38	81.27	81.27	81.274
Quick Ratio	0.57	0.57	0.60	0.60	0.60	0.60	0.46	0.46	0.46	0.46	0.45	0.45	0.45	0.45	0.38	0.38	0.38	0.38	81.27	81.27	81.274
Debt/Equity	1.80	1.80	1.63	1.63	1.63	1.63	1.97	1.97	1.97	1.97	1.98	1.98	1.98	1.98	1.04	1.04	1.04	1.04	0.99	0.99	0.987
Net Debt/Equity	-0.98	-0.98	-1.12	-1.12	-1.12	-1.12	0.20	0.20	0.20	0.20	-0.44	-0.44	-0.44	-0.44	-1.25	-1.25	-1.25	-1.25	-1.19	-1.19	-1.195
Debt/Assets	0.14	0.14	0.15	0.15	0.15	0.15	0.16	0.16	0.16	0.16	0.14	0.14	0.14	0.14	0.07	0.07	0.07	0.07	0.06	0.06	0.064
Debt/EBITDA	9.95	9.14	9.47	9.09	9.99	10.94	14.73	24.63	33.28	54.34	67.34	32.05	28.88	22.83	11.11	13.50	18.43	-9.91	-7.78	-7.90	-7.895
Net Debt/EBITDA	-5.41	-4.97	-6.53	-6.27	-6.89	-7.54	1.49	2.48	3.35	5.48	-15.06	-7.17	-6.46	-5.11	-13.32	-16.18	-22.09	11.88	9.42	9.56	9.562
Interest Coverage	0.93	1.09	1.20	1.28	1.21	1.03	0.67	0.27	0.13	0.06	0.03	0.09	0.10	0.12	0.13	0.11	0.07	-0.23	-0.25	-0.25	-0.247
Equity Multiplier	12.83	12.83	11.07	11.07	11.07	11.07	12.45	12.45	12.45	12.45	14.24	14.24	14.24	14.24	14.94	14.94	14.94	14.94	15.49	15.49	15.487
Cash Ratio	snapshot only																				78.483
Debt Service Coverage	snapshot only																				-0.226
Cash to Debt	snapshot only																				2.211
FCF to Debt	snapshot only																				0.127
Defensive Interval	snapshot only																				3185.4 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.057
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	9.49	9.25	9.69	9.70	9.73	9.83	9.36	10.13	11.38	12.83	10.87	11.69	12.42	13.11	12.14	12.53	12.69	11.69	11.34	11.40	11.396
Payables Turnover	24.01	21.34	27.98	26.27	26.16	28.42	26.28	38.77	50.97	63.78	53.61	56.00	59.55	62.22	69.91	74.24	78.30	88.44	131.51	130.02	130.018
DSO	38	39	38	38	38	37	39	36	32	28	34	31	29	28	30	29	29	31	32	32	32.0 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	15	17	13	14	14	13	14	9	7	6	7	7	6	6	5	5	5	4	3	3	2.8 days
Cash Conversion Cycle	23	22	25	24	24	24	25	27	25	23	27	25	23	22	25	24	24	27	29	29	29.2 days
Fixed Asset Turnover	snapshot only																				4.704
Cash Velocity	snapshot only																				0.407
Capital Intensity	snapshot only																				17.434

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	2.6%	-1.2%	-5.3%	-4.8%	-4.8%	-1.2%	7.2%	15.9%	29.8%	44.7%	49.6%	48.7%	40.6%	31.7%	28.3%	23.1%	17.4%	2.4%	-4.6%	-7.1%	-7.11%
Net Income	84.2%	83.5%	63.4%	44.2%	5.3%	-10.8%	-26.1%	-56.4%	-65.5%	-74.5%	-76.3%	-22.1%	18.2%	1.1%	2.0%	26.6%	-16.5%	-2.5%	-2.4%	-2.6%	-2.60%
EPS	80.2%	79.6%	62.1%	45.6%	8.8%	-6.5%	-21.0%	-52.3%	-62.6%	-72.3%	-74.6%	-19.6%	21.7%	1.1%	2.0%	26.1%	-17.5%	-2.5%	-2.4%	-2.6%	-2.60%
FCF	2.1%	2.1%	3.0%	-52.9%	-8.9%	3.7%	1.6%	1.3%	-51.1%	-99.7%	-90.3%	-89.5%	77.0%	140.9%	64.7%	7.3%	-3.1%	-2.0%	-78.6%	9.6%	9.57%
EBITDA	90.7%	85.9%	56.6%	46.8%	3.7%	-12.9%	-25.3%	-57.1%	-65.1%	-76.6%	-78.1%	-23.1%	15.3%	1.4%	2.4%	32.0%	-12.9%	-2.3%	-2.3%	-2.5%	-2.52%
Op. Income	1.1%	1.0%	66.9%	43.4%	1.7%	-15.1%	-29.1%	-62.0%	-72.3%	-82.7%	-87.7%	-26.9%	25.2%	1.8%	4.6%	38.2%	-22.6%	-3.1%	-2.8%	-3.2%	-3.24%
OCF Growth	snapshot only																				7.32%
Asset Growth	snapshot only																				-2.90%
Equity Growth	snapshot only																				-6.33%
Debt Growth	snapshot only																				-11.29%
Shares Change	snapshot only																				-0.18%
Dividend Growth	snapshot only																				0.43%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	15.8%	12.7%	9.6%	7.1%	4.5%	2.3%	2.1%	3.8%	8.2%	12.2%	14.9%	17.9%	20.2%	23.5%	27.2%	28.5%	28.9%	25.0%	22.3%	19.4%	19.35%
Revenue 5Y	23.7%	20.2%	17.6%	16.3%	14.9%	13.7%	13.0%	12.7%	13.9%	15.4%	16.1%	16.2%	15.8%	15.3%	15.4%	15.4%	15.9%	13.8%	13.2%	13.4%	13.40%
EPS 3Y	23.5%	30.1%	31.2%	32.9%	30.0%	26.2%	14.1%	-3.4%	-9.8%	-22.5%	-31.3%	-17.7%	-20.9%	-18.6%	-15.7%	-21.5%	-27.8%	—	—	—	—
EPS 5Y	16.9%	19.8%	18.1%	21.3%	17.8%	14.3%	16.3%	1.8%	-5.2%	-10.6%	-14.7%	-2.1%	0.0%	3.0%	2.4%	-1.8%	-5.9%	—	—	—	—
Net Income 3Y	28.2%	28.9%	30.0%	31.3%	27.9%	24.3%	12.1%	-5.9%	-12.5%	-25.3%	-34.1%	-21.1%	-24.5%	-22.1%	-19.3%	-24.5%	-30.1%	—	—	—	—
Net Income 5Y	34.3%	34.4%	31.9%	31.4%	27.1%	22.0%	18.5%	3.0%	-5.2%	-13.4%	-17.4%	-5.1%	-3.1%	0.3%	0.0%	-3.8%	-7.9%	—	—	—	—
EBITDA 3Y	21.8%	24.8%	30.2%	31.5%	27.7%	24.4%	12.5%	-4.5%	-11.6%	-27.7%	-36.5%	-21.5%	-25.3%	-21.4%	-18.0%	-24.2%	-29.5%	—	—	—	—
EBITDA 5Y	27.8%	27.6%	24.6%	24.7%	20.8%	16.5%	11.6%	-1.5%	-8.1%	-16.9%	-18.4%	-5.6%	-3.5%	1.4%	1.0%	-2.4%	-7.1%	—	—	—	—
Gross Profit 3Y	18.2%	18.4%	19.8%	20.8%	20.3%	19.0%	14.5%	7.3%	5.2%	-0.3%	-4.2%	-2.5%	-4.1%	-2.4%	-0.6%	-2.4%	-5.1%	-29.5%	-28.8%	-21.9%	-21.90%
Gross Profit 5Y	20.9%	19.8%	18.6%	18.3%	17.5%	15.8%	13.2%	7.9%	5.4%	3.8%	3.5%	6.3%	7.2%	8.5%	9.0%	7.7%	6.4%	-13.1%	-15.2%	-14.7%	-14.70%
Op. Income 3Y	23.8%	26.6%	33.2%	35.0%	31.8%	28.1%	13.9%	-7.2%	-15.8%	-33.1%	-47.4%	-26.4%	-29.3%	-26.0%	-21.3%	-27.3%	-35.5%	—	—	—	—
Op. Income 5Y	28.1%	28.5%	25.8%	25.9%	22.2%	17.5%	11.8%	-3.5%	-11.8%	-21.6%	-27.1%	-7.3%	-4.5%	0.1%	0.3%	-4.2%	-10.4%	—	—	—	—
FCF 3Y	15.4%	46.8%	-2.8%	52.3%	—	—	—	—	—	—	—	-51.5%	-7.6%	-22.2%	-25.3%	26.1%	—	—	-67.6%	-1.6%	-1.59%
FCF 5Y	—	58.4%	1.4%	-10.4%	-1.3%	11.7%	23.1%	22.0%	-7.3%	-59.8%	-25.3%	-3.1%	—	—	—	—	—	—	—	0.7%	0.68%
OCF 3Y	34.7%	62.2%	23.2%	81.3%	—	—	—	—	—	—	-3.7%	-50.3%	-19.9%	-29.8%	-38.1%	-7.6%	—	—	-65.3%	-7.2%	-7.19%
OCF 5Y	—	57.6%	15.7%	7.1%	9.9%	17.7%	27.4%	24.5%	-1.6%	-17.2%	-16.8%	-1.3%	—	—	—	—	—	—	-23.4%	-8.0%	-7.99%
Assets 3Y	15.3%	15.3%	5.9%	5.9%	5.9%	5.9%	3.5%	3.5%	3.5%	3.5%	6.8%	6.8%	6.8%	6.8%	10.9%	10.9%	10.9%	10.9%	7.0%	7.0%	7.04%
Assets 5Y	27.3%	27.3%	17.8%	17.8%	17.8%	17.8%	10.4%	10.4%	10.4%	10.4%	7.8%	7.8%	7.8%	7.8%	7.0%	7.0%	7.0%	7.0%	5.6%	5.6%	5.58%
Equity 3Y	13.9%	13.9%	9.6%	9.6%	9.6%	9.6%	6.2%	6.2%	6.2%	6.2%	3.1%	3.1%	3.1%	3.1%	0.3%	0.3%	0.3%	0.3%	-0.5%	-0.5%	-0.48%
Book Value 3Y	9.7%	14.9%	10.7%	10.9%	11.4%	11.3%	8.0%	9.0%	9.5%	10.1%	7.6%	7.7%	8.1%	7.7%	4.8%	4.3%	3.6%	3.2%	1.6%	0.5%	0.48%
Dividend 3Y	-3.8%	0.9%	1.9%	1.8%	1.8%	1.1%	0.4%	0.6%	1.0%	1.6%	1.9%	2.2%	2.9%	2.9%	3.2%	3.2%	2.8%	2.2%	2.3%	1.1%	1.10%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.97	0.92	0.85	0.82	0.79	0.74	0.72	0.78	0.83	0.77	0.74	0.73	0.73	0.72	0.71	0.74	0.80	0.82	0.81	0.83	0.827
Earnings Stability	0.83	0.81	0.89	0.92	0.87	0.81	0.73	0.24	0.08	0.01	0.01	0.01	0.02	0.04	0.09	0.21	0.31	0.55	0.58	0.67	0.665
Margin Stability	0.80	0.81	0.81	0.81	0.79	0.80	0.83	0.81	0.76	0.74	0.72	0.72	0.68	0.64	0.63	0.64	0.61	0.46	0.48	0.54	0.540
Rev. Growth Consistency	1.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.000
Earn. Growth Consistency	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.000
FCF Positive Streak	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	0	0	1	1	1
Earnings Persistence	0.50	0.50	0.50	0.82	0.98	0.96	0.90	0.50	0.50	0.50	0.50	0.91	0.93	0.50	0.50	0.89	0.93	0.20	0.20	0.20	0.200
Earnings Smoothness	0.41	0.41	0.52	0.64	0.95	0.89	0.70	0.21	0.03	0.00	0.00	0.75	0.83	0.30	0.00	0.77	0.82	—	—	—	—
ROE Trend	0.05	0.06	0.04	0.04	0.02	-0.00	-0.01	-0.06	-0.08	-0.10	-0.09	-0.05	-0.03	-0.01	0.01	0.00	-0.01	-0.13	-0.14	-0.14	-0.144
Gross Margin Trend	0.18	0.20	0.22	0.21	0.18	0.13	0.01	-0.15	-0.27	-0.34	-0.36	-0.28	-0.24	-0.19	-0.13	-0.09	-0.08	-0.21	-0.20	-0.18	-0.181
FCF Margin Trend	0.43	0.67	0.34	0.21	0.22	0.37	0.33	0.06	-0.14	-0.38	-0.24	-0.17	-0.05	-0.10	-0.17	-0.02	-0.28	-0.13	-0.02	0.07	0.072
Sustainable Growth Rate	12.8%	13.9%	12.8%	13.1%	12.1%	11.1%	8.9%	5.1%	3.6%	2.3%	1.7%	4.0%	4.5%	5.5%	6.2%	5.1%	3.6%	—	—	—	—
Internal Growth Rate	1.0%	1.1%	1.1%	1.1%	1.0%	0.9%	0.8%	0.4%	0.3%	0.2%	0.1%	0.3%	0.3%	0.4%	0.4%	0.3%	0.2%	—	—	—	—

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.60	1.95	1.14	1.12	1.44	2.06	2.33	2.71	1.65	0.78	1.39	0.52	1.91	1.42	0.51	2.05	-4.09	0.80	-0.10	-1.37	-1.374
FCF/OCF	0.58	0.68	0.45	0.38	0.56	0.75	0.79	0.82	0.69	0.02	0.54	0.58	0.89	0.92	0.80	0.96	1.03	1.05	0.64	0.98	0.977
FCF/Net Income	snapshot only																				-1.343
CapEx/Revenue	16.8%	17.7%	18.4%	21.0%	17.7%	13.2%	10.1%	5.5%	3.8%	3.4%	2.1%	1.3%	1.3%	0.8%	0.8%	0.5%	0.6%	0.4%	0.4%	0.4%	0.42%
CapEx/Depreciation	snapshot only																				0.323
Accruals Ratio	-0.01	-0.01	-0.00	-0.00	-0.00	-0.01	-0.01	-0.01	-0.00	0.00	-0.00	0.00	-0.00	-0.00	0.00	-0.00	0.01	-0.00	-0.01	-0.01	-0.014
Sloan Accruals	snapshot only																				0.686
Cash Flow Adequacy	snapshot only																				13.458

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	0.8%	0.8%	0.5%	0.6%	0.7%	0.7%	1.1%	1.5%	1.7%	1.6%	1.0%	0.7%	0.9%	0.7%	0.7%	0.9%	0.9%	1.1%	1.1%	1.2%	1.01%
Dividend/Share	$0.24	$0.24	$0.24	$0.24	$0.25	$0.25	$0.25	$0.25	$0.25	$0.25	$0.25	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24	$0.24
Payout Ratio	5.5%	5.1%	5.0%	4.9%	5.3%	5.6%	6.5%	10.6%	14.3%	20.8%	25.6%	12.8%	11.4%	9.6%	8.2%	9.9%	13.5%	—	—	—	—
FCF Payout Ratio	5.9%	3.9%	9.7%	11.7%	6.5%	3.7%	3.6%	4.8%	12.5%	10.8%	34.2%	42.8%	6.7%	7.3%	20.0%	5.0%	—	—	94.0%	4.6%	4.63%
Total Payout Ratio	5.5%	5.1%	14.2%	24.5%	50.9%	65.8%	84.7%	1.4%	1.3%	1.7%	1.4%	46.6%	26.8%	14.1%	9.3%	9.9%	13.5%	—	—	—	—
Div. Increase Streak	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Chowder Number	0.00	0.01	0.03	0.02	0.01	-0.01	-0.03	-0.04	-0.04	-0.04	-0.06	-0.06	-0.05	-0.04	-0.03	-0.01	-0.01	-0.01	0.02	0.02	0.016
Buyback Yield	0.0%	0.0%	1.0%	2.3%	6.0%	8.0%	12.6%	18.2%	14.1%	11.3%	4.5%	1.9%	1.2%	0.3%	0.1%	0.0%	0.0%	0.0%	0.3%	0.3%	0.29%
Net Buyback Yield	0.0%	0.0%	1.0%	2.3%	6.0%	8.0%	12.6%	18.2%	14.1%	11.3%	4.5%	1.9%	1.2%	0.3%	0.1%	0.0%	0.0%	0.0%	0.3%	0.3%	0.29%
Total Shareholder Return	0.8%	0.8%	1.5%	2.9%	6.7%	8.8%	13.6%	19.7%	15.9%	12.9%	5.5%	2.6%	2.1%	1.0%	0.8%	0.9%	0.9%	1.1%	1.4%	1.5%	1.46%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.83	0.83	0.85	0.85	0.86	0.87	0.89	0.98	1.07	1.29	1.70	1.05	1.01	0.97	0.92	0.96	1.10	0.69	0.69	0.68	0.684
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.000
EBIT Margin	0.30	0.34	0.35	0.35	0.32	0.29	0.23	0.12	0.07	0.03	0.02	0.06	0.06	0.07	0.08	0.06	0.04	-0.15	-0.16	-0.15	-0.154
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.057
Equity Multiplier	13.13	13.13	11.89	11.89	11.89	11.89	11.75	11.75	11.75	11.75	13.34	13.34	13.34	13.34	14.60	14.60	14.60	14.60	15.20	15.20	15.204

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$4.31	$4.68	$4.82	$4.95	$4.69	$4.37	$3.80	$2.36	$1.76	$1.21	$0.97	$1.90	$2.14	$2.52	$2.88	$2.39	$1.76	$-3.79	$-4.01	$-3.83	$-3.83
Book Value/Share	$33.16	$33.13	$38.07	$38.53	$39.38	$39.93	$39.06	$40.44	$40.97	$41.63	$41.60	$41.46	$41.91	$41.37	$43.80	$43.72	$43.84	$43.93	$41.03	$41.03	$41.35
Tangible Book/Share	$32.69	$32.66	$37.60	$38.06	$38.89	$39.43	$38.56	$39.93	$40.44	$41.09	$41.07	$40.93	$41.37	$40.84	$43.26	$43.18	$43.31	$43.40	$40.49	$40.49	$40.49
Revenue/Share	$17.12	$16.67	$16.23	$16.44	$16.84	$17.27	$18.59	$20.83	$23.70	$27.14	$29.80	$31.94	$34.31	$35.74	$38.02	$39.16	$39.79	$36.71	$36.26	$36.44	$36.61
FCF/Share	$4.02	$6.17	$2.50	$2.08	$3.78	$6.71	$6.98	$5.25	$2.01	$0.02	$0.72	$0.57	$3.65	$3.30	$1.19	$4.69	$-7.43	$-3.19	$0.25	$5.15	$5.17
OCF/Share	$6.89	$9.11	$5.49	$5.53	$6.77	$8.99	$8.85	$6.40	$2.90	$0.95	$1.34	$0.98	$4.08	$3.59	$1.48	$4.90	$-7.21	$-3.02	$0.39	$5.27	$5.29
Cash/Share	$91.91	$91.85	$104.71	$105.98	$108.30	$109.81	$69.24	$71.69	$72.62	$73.79	$101.00	$100.65	$101.75	$100.44	$100.32	$100.14	$100.42	$100.63	$89.50	$89.50	$72.27
EBITDA/Share	$5.98	$6.51	$6.54	$6.90	$6.41	$5.94	$5.23	$3.24	$2.43	$1.51	$1.23	$2.57	$2.88	$3.60	$4.11	$3.37	$2.48	$-4.62	$-5.20	$-5.13	$-5.13
Debt/Share	$59.56	$59.52	$61.98	$62.73	$64.10	$65.00	$77.00	$79.73	$80.76	$82.06	$82.54	$82.26	$83.15	$82.08	$45.63	$45.55	$45.68	$45.77	$40.48	$40.48	$40.48
Net Debt/Share	$-32.35	$-32.33	$-42.73	$-43.25	$-44.19	$-44.81	$7.76	$8.04	$8.14	$8.27	$-18.46	$-18.40	$-18.60	$-18.36	$-54.69	$-54.59	$-54.74	$-54.86	$-49.02	$-49.02	$-49.02

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	1.484
Altman Z-Prime	snapshot only																				1.035
Piotroski F-Score	7	6	6	7	7	5	6	6	6	5	6	6	7	7	6	6	3	3	3	5	5
Beneish M-Score	-2.77	-2.66	-2.73	-2.63	-2.62	-2.57	-2.00	-1.23	-1.52	-1.54	-1.99	-2.46	-2.38	-2.44	-2.42	-2.25	-2.04	-3.22	-3.34	-3.26	-3.259
Ohlson O-Score	snapshot only																				-4.499
ROIC (Greenblatt)	snapshot only																				-5.64%
Net-Net WC	snapshot only																				$-501.64

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				B+
Credit Score	48.44	54.82	53.42	53.58	55.33	52.86	42.68	36.43	33.43	30.29	30.10	34.34	36.72	36.79	38.27	40.89	32.25	19.02	32.57	34.52	34.521
Credit Grade	snapshot only																				14
Credit Trend	snapshot only																				-6.371
Implied Spread (bps)	snapshot only																				650.000
Industry Credit Rank	snapshot only																				11
Sector Credit Rank	snapshot only																				21

INBK NASDAQ

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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