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First Internet Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$29.4M in Q3 2026 · $152M over twelve months

Operating cash flow$29.4M
Capital spending−$44K
Free cash flow+$29.4M
Cash / net income6.1×

Analysis

In Q3 2026, First Internet Bancorp generated $29.4M of operating cash flow and spent $44K on capital projects, leaving free cash flow of $29.4M. That is $7.6M less than in Q3 2025 ($37.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $153M; the largest uses were other investing ($530M), dividends ($2.1M), capital spending ($652K); besides operations, cash came from other financing ($244M); the cash balance fell by $135M.

Operating cash flow was $29.4M against net income of $4.8M — 6.1× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities +$1.4M, depreciation & amortization +$973K, prepaid and other assets +$840K.

Free cash flow

First Internet Bancorp: free cash flow by quarterFirst Internet Bancorp: free cash flow by quarter−$6.7MQ4 2024$32.6MQ1 2025−$90.8MQ2 2025$37.0MQ3 2025$23.4MQ4 2025$75.3MQ1 2026$24.3MQ2 2026$29.4MQ3 2026
Operating cash flow less capital spending.
First Internet Bancorp: operating cash flow against capital spendingFirst Internet Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending−$6.2M$495KQ4 2024$32.8M$184KQ1 2025−$90.2M$650KQ2 2025$37.1M$106KQ3 2025$23.7M$288KQ4 2025$75.5M$299KQ1 2026$24.3M$21KQ2 2026$29.4M$44KQ3 2026
Latest (Q3 2026): Operating cash flow $29.4M, Capital spending $44K.

Capital allocation, year by year

First Internet Bancorp: where the cash came from (up) and went (down), by fiscal yearFirst Internet Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $54.8MFY2021: Asset sales $8.1MFY2021: Capital spending −$29.9MFY2021: Buybacks −$4.4MFY2021: Dividends −$2.4M$63.0MFY2021FY2022: Operating cash flow $82.7MFY2022: Capital spending −$17.5MFY2022: Buybacks −$27.8MFY2022: Dividends −$2.3M$82.7MFY2022FY2023: Operating cash flow $11.7MFY2023: Capital spending −$5.4MFY2023: Buybacks −$9.3MFY2023: Dividends −$2.2M$11.7MFY2023FY2024: Operating cash flow $13.0MFY2024: Capital spending −$2.6MFY2024: Buybacks −$283KFY2024: Dividends −$2.1M$13.0MFY2024FY2025: Operating cash flow $3.4MFY2025: Capital spending −$1.2MFY2025: Buybacks −$521KFY2025: Dividends −$2.1M$3.4MFY2025
Over these 5 years operating cash flow totalled $166M; the largest uses were capital spending ($56.6M) and buybacks ($42.4M). Cash-flow statements as filed.

Where the cash came from and went

First Internet Bancorp: sources (+) and uses (−) of cash, Q3 2026First Internet Bancorp: sources (+) and uses (−) of cash, Q3 2026Other financing$339MCash drawn (+) / kept (−)−$241MOther investing−$127MOperating cash flow$29.4MDividends−$524KCapital spending−$44K
First Internet Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026First Internet Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$530MOther financing$244MOperating cash flow$153MCash drawn (+) / kept (−)$135MDividends−$2.1MCapital spending−$652K

From profit to cash

First Internet Bancorp: net income to operating cash flow, Q3 2026First Internet Bancorp: net income to operating cash flow, Q3 2026Net income$4.8MDepreciation & amortization$973KStock-based pay$515KAccrued liabilities$1.4MPrepaid and other assets$840KOperating cash flow$29.4M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$29.4M−$44K—−$524K−$241M$29.4M
Q2 2026$24.3M−$21K—−$523K$191M$24.3M
Q1 2026$75.5M−$299K—−$521K−$145M$75.3M
Q4 2025$23.7M−$288K−$521K−$516K$331M$23.4M
Q3 2025$37.1M−$106K—−$517K−$341M$37.0M
Q2 2025−$90.2M−$650K—−$534K−$51.9M−$90.8M
Q1 2025$32.8M−$184K—−$520K$72.0M$32.6M
Q4 2024−$6.2M−$495K—−$498K$246M−$6.7M

First Internet Bancorp: income statement and cash flow

First Internet Bancorp, Q3 2026: revenue $43.9M (+670% year over year), operating margin 11.5%. The chart follows the revenue to costs, profit and cash.

First Internet Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.