` Comparison: INBK vs MTB - Alpha Spread
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INBK
vs
MTB

Over the past 12 months, INBK has underperformed MTB, delivering a return of -34% compared to the MTB's +17% growth.

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INBK
MTB
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Stocks Compared:
INBK MTB
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Valuation Comparison

INBK Intrinsic Value
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MTB Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
First Internet Bancorp
NASDAQ:INBK
19.83 USD
M&T Bank Corp
NYSE:MTB
221.85 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
INBK, MTB

INBK
MTB
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
First Internet Bancorp
Revenue
M&T Bank Corp
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
INBK, MTB

INBK
MTB
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
First Internet Bancorp
NASDAQ:INBK
FCF is not applicable for financial companies
M&T Bank Corp
NYSE:MTB
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

INBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Internet Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Operating Margin

INBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Internet Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Net Margin

INBK
-30.2%
MTB
27.9%

FCF Margin

INBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Internet Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROE

INBK
-9.5%
MTB
9.3%

ROA

INBK
-0.6%
MTB
1.3%

ROIC

INBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Internet Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

ROCE

INBK
MTB
LTM 3Y Avg 5Y Avg 10Y Avg
First Internet Bancorp
Not applicable for financial companies
M&T Bank Corp
Not applicable for financial companies

Solvency Comparison

First Internet Bancorp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
M&T Bank Corp
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
INBK, MTB

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INBK
MTB
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Performance Gap
INBK, MTB

Performance Gap Between INBK and MTB
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Performance By Year
INBK, MTB

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INBK
MTB
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