First Internet Bancorp (INBK) Competitors

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

Do institutionals & insiders have more ownership in OPFI or INBK?

7.1% of OppFi shares are held by institutional investors. Comparatively, 65.5% of First Internet Bancorp shares are held by institutional investors. 84.0% of OppFi shares are held by insiders. Comparatively, 7.1% of First Internet Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Do analysts prefer OPFI or INBK?

OppFi presently has a consensus price target of $9.00, indicating a potential downside of 5.31%. First Internet Bancorp has a consensus price target of $41.75, indicating a potential upside of 60.76%. Given First Internet Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe First Internet Bancorp is more favorable than OppFi.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OppFi	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Which has better earnings and valuation, OPFI or INBK?

First Internet Bancorp has lower revenue, but higher earnings than OppFi. First Internet Bancorp is trading at a lower price-to-earnings ratio than OppFi, 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
OppFi	$525.96M	1.56	-$1M	$0.21	45.26
First Internet Bancorp	$128.91M	1.75	$25.28M	$2.89	8.99

Which has more risk & volatility, OPFI or INBK?

OppFi has a beta of 1.63, meaning that its share price is 63% more volatile than the S&P 500. Comparatively, First Internet Bancorp has a beta of 0.72, meaning that its share price is 28% less volatile than the S&P 500.

Does the MarketBeat Community favor OPFI or INBK?

First Internet Bancorp received 247 more outperform votes than OppFi when rated by MarketBeat users. Likewise, 61.54% of users gave First Internet Bancorp an outperform vote while only 60.71% of users gave OppFi an outperform vote.

Company	Underperform	Outperform
OppFi	Outperform Votes 17 60.71%	Underperform Votes 11 39.29%
First Internet Bancorp	Outperform Votes 264 61.54%	Underperform Votes 165 38.46%

Is OPFI or INBK more profitable?

First Internet Bancorp has a net margin of 7.45% compared to OppFi's net margin of 1.40%. OppFi's return on equity of 35.04% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
OppFi	1.40%	35.04%	12.09%
First Internet Bancorp	7.45%	5.86%	0.40%

Does the media prefer OPFI or INBK?

In the previous week, OppFi had 12 more articles in the media than First Internet Bancorp. MarketBeat recorded 18 mentions for OppFi and 6 mentions for First Internet Bancorp. OppFi's average media sentiment score of 0.87 beat First Internet Bancorp's score of 0.77 indicating that OppFi is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
OppFi	11 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
First Internet Bancorp	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

Summary

First Internet Bancorp beats OppFi on 10 of the 18 factors compared between the two stocks.