First Internet Bancorp (INBK) Competitors

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

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

65.5% of First Internet Bancorp shares are held by institutional investors. Comparatively, 75.9% of Amalgamated Financial shares are held by institutional investors. 7.1% of First Internet Bancorp shares are held by company insiders. Comparatively, 0.9% of Amalgamated Financial shares are held by company 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.

Do analysts rate INBK or AMAL?

First Internet Bancorp presently has a consensus target price of $41.75, indicating a potential upside of 36.59%. Amalgamated Financial has a consensus target price of $38.50, indicating a potential upside of 18.26%. Given First Internet Bancorp's higher probable upside, equities research analysts clearly believe First Internet Bancorp is more favorable than Amalgamated Financial.

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
Amalgamated Financial	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67

Does the MarketBeat Community prefer INBK or AMAL?

First Internet Bancorp received 169 more outperform votes than Amalgamated Financial when rated by MarketBeat users. Likewise, 61.65% of users gave First Internet Bancorp an outperform vote while only 56.36% of users gave Amalgamated Financial an outperform vote.

Company	Underperform	Outperform
First Internet Bancorp	Outperform Votes 262 61.65%	Underperform Votes 163 38.35%
Amalgamated Financial	Outperform Votes 93 56.36%	Underperform Votes 72 43.64%

Which has preferable valuation and earnings, INBK or AMAL?

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
First Internet Bancorp	$339.23M	0.78	$25.28M	$2.89	10.58
Amalgamated Financial	$434.51M	2.30	$106.43M	$3.45	9.44

Is INBK or AMAL a better dividend stock?

First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.8%. Amalgamated Financial pays an annual dividend of $0.56 per share and has a dividend yield of 1.7%. First Internet Bancorp pays out 8.3% of its earnings in the form of a dividend. Amalgamated Financial pays out 16.2% 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.

Is INBK or AMAL 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
First Internet Bancorp	7.45%	5.86%	0.40%
Amalgamated Financial	24.50%	16.49%	1.30%

Does the media refer more to INBK or AMAL?

In the previous week, Amalgamated Financial had 3 more articles in the media than First Internet Bancorp. MarketBeat recorded 5 mentions for Amalgamated Financial and 2 mentions for First Internet Bancorp. First Internet Bancorp's average media sentiment score of 1.67 beat Amalgamated Financial's score of 0.04 indicating that First Internet Bancorp is being referred to more favorably in the media.

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

Which has more volatility & risk, INBK or AMAL?

First Internet Bancorp has a beta of 0.73, suggesting that its share price is 27% less volatile than the S&P 500. Comparatively, Amalgamated Financial has a beta of 0.92, suggesting that its share price is 8% less volatile than the S&P 500.

Summary

Amalgamated Financial beats First Internet Bancorp on 12 of the 19 factors compared between the two stocks.