Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | $7.84M | $5.72M | $11.5M | — | — | — | — | — | — |
| Revenue growth | — | — | -27.0% | 101.8% | — | — | — | — | — | — |
| Net income | $12.1M | $15.2M | $21.9M | $25.2M | $29.5M | $48.1M | $35.5M | $8.42M | $25.3M | -$35.2M |
| Net margin | — | 194.3% | 383.0% | 218.7% | — | — | — | — | — | — |
| EPS (diluted) | $2.30 | $2.13 | $2.30 | $2.51 | $2.99 | $4.82 | $3.70 | $0.95 | $2.88 | -$4.03 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $26.5M | $24.6M | $29.4M | -$43.6M | $13.1M | $54.8M | $82.7M | $11.7M | $13.0M | $3.45M |
| Capital expenditures | $3.17M | $1.52M | $2.22M | $4.11M | $25.6M | $29.9M | $17.5M | $5.37M | $2.59M | $1.23M |
| Free cash flow | $23.3M | $23.1M | $27.1M | -$47.7M | -$12.5M | $24.9M | $65.2M | $6.31M | $10.4M | $2.22M |
| Share buybacks | $0.00 | $0.00 | $216K | $9.78M | $0.00 | $4.44M | $27.8M | $9.34M | $283K | $521K |
| Dividends paid | $1.20M | $1.68M | $2.23M | $2.42M | $2.35M | $2.42M | $2.32M | $2.16M | $2.08M | $2.09M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $39.5M | $48.0M | $189M | $327M | $420M | $443M | $257M | $406M | $466M | $457M |
| Total assets | $1.85B | $2.77B | $3.54B | $4.10B | $4.25B | $4.21B | $4.54B | $5.17B | $5.74B | $5.57B |
| Total liabilities | $1.70B | $2.54B | $3.25B | $3.80B | $3.92B | $3.83B | $4.18B | $4.80B | $5.35B | $5.21B |
| Long-term debt | $190M | $410M | $525M | $515M | $515M | $515M | $615M | $615M | $295M | $250M |
| Shareholders' equity | $154M | $224M | $289M | $305M | $331M | $380M | $365M | $363M | $384M | $360M |
| Retained earnings | $43.7M | $57.1M | $77.7M | $99.7M | $127M | $172M | $206M | $207M | $231M | $193M |
| Shares (wtd avg diluted) | 5.24M | 7.15M | 9.51M | 10.0M | 9.84M | 9.98M | 9.60M | 8.86M | 8.77M | 8.73M |
Every figure is extracted from First Internet Bancorp’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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