投资机构Benchmark近日更新了对数字银行First Internet Bancorp的评级，将其目标股价从33美元上调至35美元，并维持“买入”评级。该目标价基于其对该公司2027财年每股收益预期的7倍估值，相当于约0.75倍预期有形账面价值。
此次上调目标价正值First Internet Bancorp发布2026年第二季度财报之后。根据公司财报，当季实现净利润240万美元，稀释后每股收益0.27美元，较去年同期的0.02美元大幅增长；总营收同比增长23%至4110万美元。业绩改善主要得益于净利息收入增长16%、银行业即服务平台非利息收入同比增长56%，以及信贷质量显著改善——信贷损失拨备从一季度的1630万美元降至1340万美元，不良贷款连续第二个季度下降。
First Internet Bancorp成立于25年前，是美国首家获得州特许、FDIC承保的纯线上银行，总部位于印第安纳州费舍尔斯。该公司已发布全年指引，预计每股收益在2.35至2.45美元区间，净息差有望在第四季度达到2.75%至2.80%。
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