First Internet BancorpFRA:45H +1.89%58 FCF Margin % is 183.79% as of Mar. 2026, which is 1133% above its 10-year median of 14.91. GuruFocus rates FRA:45H with a GF Score™ of 58/100 and a GF Value™ of €20.96 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, First Internet Bancorp ranks better than 67.24% on this metric.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FRA:45H vs FCAP, OPBK, EFSI: FCF Margin % Comparison
For the Banks - Regional subindustry, First Internet Bancorp's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Internet Bancorp FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Internet Bancorp's FCF Margin % distribution charts can be found below:
* The bar in red indicates where First Internet Bancorp's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Internet Bancorp (FRA:45H) has a FCF Margin % of 183.79% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Internet Bancorp and its competitors. This is 1133% above median its historical median of 14.91. According to the industry distribution chart, First Internet Bancorp ranks #493 out of 1505 companies in the Banks industry, placing it in the top 32.8%.
Is First Internet Bancorp's FCF Margin % too high?
First Internet Bancorp's current FCF Margin % of 183.79% is 1133% above median its 10-year median of 14.91. The Banks industry median FCF Margin % is 26.55. First Internet Bancorp's value of 183.79% is 592.2% above this industry median. Based on the distribution chart, First Internet Bancorp ranks #493 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, First Internet Bancorp has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Internet Bancorp's FCF Margin % compare to FCAP and OPBK?
According to the Banks industry distribution chart, First Internet Bancorp ranks #493 out of 1505 companies for FCF Margin %. This puts First Internet Bancorp in the upper half of its industry. The industry median FCF Margin % is 26.55. First Internet Bancorp's value of 183.79% is 592.2% above this benchmark. While the company's 10-year median is 14.91 vs. the industry median of 26.55, First Internet Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Internet Bancorp's current FCF Margin % of 183.79% is 592.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on First Internet Bancorp and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Internet Bancorp's current FCF Margin % is 183.79%, which is 1133% above median its own 10-year median of 14.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Internet Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Internet Bancorp (FRA:45H) is currently considered Fairly Valued. The stock's GF Value™ is €20.96, compared to a current price of €21.60 — trading 3.1% above its estimated fair value. The current FCF Margin % is 183.79%, which is 1133% above median its 10-year median of 14.91 and 592.2% above the Banks industry median of 26.55. First Internet Bancorp's overall GF Score™ is 58/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For First Internet Bancorp (FRA:45H), the current FCF Margin % is 183.79% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Internet Bancorp (FRA:45H) Overvalued in 2026?
Based on GuruFocus' analysis, First Internet Bancorp stock appears to be overvalued.
The current stock price of €21.60 is trading 3.1% above its estimated GF Value™ of €20.96.
GuruFocus considers First Internet Bancorp to be Fairly Valued.
Key valuation signals for FRA:45H:
FCF Margin %: 183.79% (1133% above median its 10-year median of 14.91)
GF Value™: €20.96 vs. price of €21.60 (3.1% above fair value)
Industry Position: 592.2% above the Banks median (#493 of 1505)
No single metric tells the full story. See the FRA:45H stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Internet Bancorp is a bank holding company. Through its subsidiaries, it provides commercial real estate (CRE) lending, including nationwide single tenant lease financing and commercial and industrial (C&I) lending, including business banking or treasury management services. The company offers its products and services through the internet and does not have any branches. With operations organized into a single segment called the Commercial Banking segment, it also provides retail banking services.
58GF Score
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