First Internet Bancorp (INBK) Competitors

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

Which has more risk and volatility, INBK or GHLD?

First Internet Bancorp has a beta of 0.66, meaning that its share price is 34% less volatile than the S&P 500. Comparatively, Guild has a beta of 0.81, meaning that its share price is 19% less volatile than the S&P 500.

Do institutionals and insiders have more ownership in INBK or GHLD?

65.5% of First Internet Bancorp shares are owned by institutional investors. Comparatively, 17.5% of Guild shares are owned by institutional investors. 8.0% of First Internet Bancorp shares are owned by company insiders. Comparatively, 78.3% of Guild shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Do analysts rate INBK or GHLD?

First Internet Bancorp currently has a consensus target price of $31.75, indicating a potential upside of 33.71%. Guild has a consensus target price of $16.50, indicating a potential upside of 29.66%. Given First Internet Bancorp's higher possible upside, equities analysts plainly believe First Internet Bancorp is more favorable than Guild.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
Guild	0 Sell rating(s)	2 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	2.60

Is INBK or GHLD a better dividend stock?

First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.0%. Guild pays an annual dividend of $1.00 per share and has a dividend yield of 7.9%. First Internet Bancorp pays out 10.0% of its earnings in the form of a dividend. Guild pays out 144.9% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Does the MarketBeat Community prefer INBK or GHLD?

First Internet Bancorp received 246 more outperform votes than Guild when rated by MarketBeat users. Likewise, 61.43% of users gave First Internet Bancorp an outperform vote while only 37.04% of users gave Guild an outperform vote.

Company	Underperform	Outperform
First Internet Bancorp	Outperform Votes 266 61.43%	Underperform Votes 167 38.57%
Guild	Outperform Votes 20 37.04%	Underperform Votes 34 62.96%

Does the media favor INBK or GHLD?

In the previous week, First Internet Bancorp had 1 more articles in the media than Guild. MarketBeat recorded 1 mentions for First Internet Bancorp and 0 mentions for Guild. First Internet Bancorp's average media sentiment score of 1.56 beat Guild's score of 0.00 indicating that First Internet Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
First Internet Bancorp	Very Positive
Guild	Neutral

Is INBK or GHLD more profitable?

First Internet Bancorp has a net margin of 7.45% compared to Guild's net margin of -12.78%. Guild's return on equity of 6.21% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Internet Bancorp	7.45%	5.86%	0.40%
Guild	-12.78%	6.21%	1.76%

Which has better earnings & valuation, INBK or GHLD?

First Internet Bancorp has higher earnings, but lower revenue than Guild. First Internet Bancorp is trading at a lower price-to-earnings ratio than Guild, 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
First Internet Bancorp	$135.23M	1.53	$25.28M	$2.41	9.85
Guild	$1.04B	0.76	-$39.01M	$0.69	18.44

Summary

First Internet Bancorp beats Guild on 12 of the 20 factors compared between the two stocks.