First Internet Bancorp (INBK) Competitors

Amalgamated Financial (NASDAQ:AMAL) and First Internet Bancorp (NASDAQ:INBK) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, dividends, risk, institutional ownership, valuation, analyst recommendations, earnings, community ranking and media sentiment.

Which has more volatility and risk, AMAL or INBK?

Amalgamated Financial has a beta of 0.75, suggesting that its stock price is 25% less volatile than the S&P 500. Comparatively, First Internet Bancorp has a beta of 0.52, suggesting that its stock price is 48% less volatile than the S&P 500.

Is AMAL or INBK more profitable?

Amalgamated Financial has a net margin of 24.50% compared to First Internet Bancorp's net margin of 7.45%. Amalgamated Financial's return on equity of 16.49% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Amalgamated Financial	24.50%	16.49%	1.30%
First Internet Bancorp	7.45%	5.86%	0.40%

Does the media refer more to AMAL or INBK?

In the previous week, First Internet Bancorp had 2 more articles in the media than Amalgamated Financial. MarketBeat recorded 14 mentions for First Internet Bancorp and 12 mentions for Amalgamated Financial. Amalgamated Financial's average media sentiment score of 0.68 beat First Internet Bancorp's score of -0.14 indicating that Amalgamated Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Amalgamated Financial	4 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Positive
First Internet Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	4 Negative mention(s)	1 Very Negative mention(s)	Neutral

Does the MarketBeat Community prefer AMAL or INBK?

First Internet Bancorp received 172 more outperform votes than Amalgamated Financial when rated by MarketBeat users. Likewise, 61.43% of users gave First Internet Bancorp an outperform vote while only 56.63% of users gave Amalgamated Financial an outperform vote.

Company	Underperform	Outperform
Amalgamated Financial	Outperform Votes 94 56.63%	Underperform Votes 72 43.37%
First Internet Bancorp	Outperform Votes 266 61.43%	Underperform Votes 167 38.57%

Do insiders and institutionals believe in AMAL or INBK?

75.9% of Amalgamated Financial shares are owned by institutional investors. Comparatively, 65.5% of First Internet Bancorp shares are owned by institutional investors. 1.3% of Amalgamated Financial shares are owned by company insiders. Comparatively, 8.0% of First Internet Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Is AMAL or INBK a better dividend stock?

Amalgamated Financial pays an annual dividend of $0.56 per share and has a dividend yield of 2.0%. First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.1%. Amalgamated Financial pays out 16.6% of its earnings in the form of a dividend. First Internet Bancorp pays out 10.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Do analysts rate AMAL or INBK?

Amalgamated Financial currently has a consensus target price of $36.50, indicating a potential upside of 28.39%. First Internet Bancorp has a consensus target price of $31.75, indicating a potential upside of 49.06%. Given First Internet Bancorp's higher possible upside, analysts clearly believe First Internet Bancorp is more favorable than Amalgamated Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Amalgamated Financial	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Which has higher earnings & valuation, AMAL or INBK?

Amalgamated Financial has higher revenue and earnings than First Internet Bancorp. Amalgamated Financial is trading at a lower price-to-earnings ratio than First Internet Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Amalgamated Financial	$316.48M	2.76	$106.43M	$3.37	8.44
First Internet Bancorp	$135.21M	1.37	$25.28M	$2.41	8.84

Summary

Amalgamated Financial beats First Internet Bancorp on 13 of the 19 factors compared between the two stocks.