First Internet Bancorp (INBK) Competitors

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

Is INBK or FBIZ more profitable?

First Business Financial Services has a net margin of 16.37% compared to First Internet Bancorp's net margin of 3.81%. First Business Financial Services' return on equity of 13.95% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Internet Bancorp	3.81%	4.56%	0.32%
First Business Financial Services	16.37%	13.95%	1.11%

Does the media favor INBK or FBIZ?

In the previous week, First Internet Bancorp had 1 more articles in the media than First Business Financial Services. MarketBeat recorded 4 mentions for First Internet Bancorp and 3 mentions for First Business Financial Services. First Business Financial Services' average media sentiment score of 0.42 beat First Internet Bancorp's score of -0.33 indicating that First Business Financial Services is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Internet Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
First Business Financial Services	0 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has preferable earnings & valuation, INBK or FBIZ?

First Business Financial Services has lower revenue, but higher earnings than First Internet Bancorp. First Business Financial Services 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
First Internet Bancorp	$265.57M	1.08	$8.42M	$1.17	28.44
First Business Financial Services	$226.24M	1.27	$37.03M	$4.35	7.95

Do insiders & institutionals believe in INBK or FBIZ?

65.5% of First Internet Bancorp shares are held by institutional investors. Comparatively, 60.1% of First Business Financial Services shares are held by institutional investors. 7.1% of First Internet Bancorp shares are held by insiders. Comparatively, 6.3% of First Business Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Which has more risk and volatility, INBK or FBIZ?

First Internet Bancorp has a beta of 0.72, suggesting that its share price is 28% less volatile than the S&P 500. Comparatively, First Business Financial Services has a beta of 0.78, suggesting that its share price is 22% less volatile than the S&P 500.

Do analysts rate INBK or FBIZ?

First Internet Bancorp presently has a consensus target price of $29.00, suggesting a potential downside of 12.83%. First Business Financial Services has a consensus target price of $40.33, suggesting a potential upside of 16.57%. Given First Business Financial Services' stronger consensus rating and higher possible upside, analysts clearly believe First Business Financial Services is more favorable than First Internet Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33
First Business Financial Services	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Does the MarketBeat Community favor INBK or FBIZ?

First Internet Bancorp received 14 more outperform votes than First Business Financial Services when rated by MarketBeat users. Likewise, 62.41% of users gave First Internet Bancorp an outperform vote while only 59.47% of users gave First Business Financial Services an outperform vote.

Company	Underperform	Outperform
First Internet Bancorp	Outperform Votes 259 62.41%	Underperform Votes 156 37.59%
First Business Financial Services	Outperform Votes 245 59.47%	Underperform Votes 167 40.53%

Is INBK or FBIZ a better dividend stock?

First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.7%. First Business Financial Services pays an annual dividend of $1.00 per share and has a dividend yield of 2.9%. First Internet Bancorp pays out 20.5% of its earnings in the form of a dividend. First Business Financial Services pays out 23.0% 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.

Summary

First Business Financial Services beats First Internet Bancorp on 12 of the 20 factors compared between the two stocks.