Filing Flows › First Internet Bancorp (INBK) › Q3 2026 › vs Q3 2025
First Internet Bancorp (INBK) Q3 2026 vs Q3 2025 (year over year)
First Internet Bancorp's revenue rose $38.2M (+670%) from $5.7M in Q3 2025 to $43.9M in Q3 2026. The biggest changes: Noninterest income +$33.8M (—); Net interest income +$4.4M (+14%). Operating margin 11.5% against -956.1% (+967.6 pts).
First Internet Bancorp, Q3 2026: revenue $43.9M (+670% year over year), operating margin 11.5%, net earnings $4.8M, operating cash flow $29.4M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 11.5% | -956.1% | +967.6 pts |
| Net margin | 11.0% | -729.1% | +740.0 pts |
| Free cash flow margin | 66.8% | 648.0% | -581.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $34.7M | $30.4M | $4.4M | +14% |
| Noninterest income | $9.2M | −$24.6M | $33.8M | — |
| Revenue | $43.9M | $5.7M | $38.2M | +670% |
| Operating profit | $5.1M | −$54.5M | $59.6M | — |
| Costs & expenses | $38.9M | $60.2M | −$21.4M | -35% |
| Pre-tax earnings | $5.1M | −$54.5M | $59.6M | — |
| Credit loss provision | $11.6M | $34.8M | −$23.2M | -67% |
| Noninterest expense | $27.3M | $25.5M | $1.8M | +7% |
| Net earnings | $4.8M | −$41.6M | $46.4M | — |
| Income tax | $236K | −$12.9M | $13.2M | — |
| Depreciation & amortization | $973K | $2.2M | −$1.3M | -57% |
| Share-based compensation | $515K | $490K | $25K | +5% |
| Working capital & other | $23.1M | $75.9M | −$52.8M | -70% |
| Operating cash flow | $29.4M | $37.1M | −$7.7M | -21% |
| Free cash flow (OCF − capex) | $29.4M | $37.0M | −$7.6M | -21% |
| Capital expenditures | $44K | $106K | −$62K | -58% |
Questions
How much did First Internet Bancorp's revenue grow year over year in Q3 2026?
First Internet Bancorp's revenue rose $38.2M (+670%) from $5.7M in Q3 2025 to $43.9M in Q3 2026.
What drove First Internet Bancorp's revenue change in Q3 2026?
Noninterest income +$33.8M (—); Net interest income +$4.4M (+14%).