INBK vs OPRT

Comparison between First Internet Bancorp (INBK, Company) and Oportun Financial Corp (OPRT, Company).

Both INBK and OPRT are from the Financial Services sector.

5-Year PerformanceINBK has outperformed OPRT, delivering a return of -3.8% compared to -24.1%

INBK vs OPRT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	INBK(COMPANY)	OPRT(COMPANY)
Market Cap	$224M	$223M
Max Drawdown	81.52%	92.32%
Sharpe Ratio	0.28	-0.32
5Y Beta	1.13	1.52
Industry	Banks - Regional	Credit Services
P/E Ratio	-5.90	12.18
Forward P/E	8.45	4.35
PEG Ratio	0.00	N/A
Dividend Yield	0.96%	N/A
5Y Dividends CAGR	4.56%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	20.06%	N/A
P/S Ratio	4.67	0.31
P/B Ratio	0.61	0.57

Market Cap

Winner

INBK

$224M

OPRT

$223M

Max Drawdown

Winner

INBK

81.52%

OPRT

92.32%

Sharpe Ratio

Winner

INBK

0.28

OPRT

-0.32

5Y Beta

Winner

INBK

1.13

OPRT

1.52

Industry

INBK

Banks - Regional

OPRT

Credit Services

P/E Ratio

Winner

INBK

-5.90

OPRT

12.18

Forward P/E

INBK

8.45

Winner

OPRT

4.35

PEG Ratio

INBK

0.00

OPRT

N/A

Dividend Yield

INBK

0.96%

OPRT

N/A

5Y Dividends CAGR

INBK

4.56%

OPRT

N/A

Debt to Equity

INBK

0.00%

OPRT

0.00%

Free Cash Flow Yield

INBK

20.06%

OPRT

N/A

P/S Ratio

INBK

4.67

Winner

OPRT

0.31

P/B Ratio

INBK

0.61

Winner

OPRT

0.57

INBK vs OPRT - Historical Returns

Returns include dividend reinvestment.

Period	INBK	OPRT
1 month	+6.95%	-7.24%
3 months	+31.70%	+14.63%
6 months	+21.36%	-5.75%
1 year	+9.94%	-25.11%
5 years(CAGR)	-3.79%	-24.11%
10 years(CAGR)	+1.70%	N/A
Max(CAGR)	+5.45%	-15.43%

Winner

INBK

+6.95%

OPRT

-7.24%

Winner

INBK

+31.70%

OPRT

+14.63%

Winner

INBK

+21.36%

OPRT

-5.75%

Winner

INBK

+9.94%

OPRT

-25.11%

5Y(CAGR)

Winner

INBK

-3.79%

OPRT

-24.11%

10Y(CAGR)

INBK

+1.70%

OPRT

N/A

Max(CAGR)

Winner

INBK

+5.45%

OPRT

-15.43%

INBK vs OPRT - Annual Returns (2004 - 2026)

Returns include dividend reinvestment.

Year	INBK	OPRT
2026	+28.47%	+3.75%
2025	-40.28%	+35.99%
2024	+50.25%	+0.52%
2023	+0.13%	-30.67%
2022	-49.03%	-73.30%
2021	+70.06%	+8.99%
2020	+21.31%	-18.03%
2019	+13.55%	+47.19%
2018	-45.26%	N/A
2017	+21.07%	N/A
2016	+14.11%	N/A
2015	+73.58%	N/A
2014	-22.75%	N/A
2013	+60.47%	N/A
2012	+107.44%	N/A
2011	-15.00%	N/A
2010	+65.41%	N/A
2009	-26.92%	N/A
2008	-33.09%	N/A
2007	-15.79%	N/A
2006	+5.56%	N/A
2005	+5.52%	N/A
2004	+0.00%	N/A

INBK vs OPRT Drawdown Comparison

The maximum drawdown for INBK was -81.31%, occurring on May 11, 2023. This drawdown has not yet recovered.

The maximum drawdown for OPRT was -92.32%, occurring on Apr 17, 2024. This drawdown has not yet recovered.

The current INBK drawdown is -48.36%. The current OPRT drawdown is -81.07%.

Rank	INBK	OPRT
#1	-81.31% Jan 13, 2022 - May 11, 2023	-92.32% Nov 12, 2021 - Apr 17, 2024
#2	-78.70% Jun 6, 2005 - Dec 6, 2012	-78.67% Dec 26, 2019 - Aug 6, 2021
#3	-69.51% Jan 19, 2018 - Nov 3, 2021	-14.22% Oct 7, 2021 - Nov 8, 2021
#4	-57.30% Aug 12, 2013 - Aug 5, 2015	-11.32% Sep 27, 2019 - Oct 24, 2019
#5	-38.07% Aug 17, 2015 - Oct 20, 2017	-10.00% Nov 19, 2019 - Nov 29, 2019
#6	-22.10% Feb 25, 2013 - Jun 19, 2013	-9.16% Sep 3, 2021 - Oct 7, 2021
#7	-14.00% May 20, 2005 - Jun 6, 2005	-8.26% Nov 29, 2019 - Dec 18, 2019
#8	-10.44% Jul 22, 2013 - Aug 2, 2013	-7.12% Aug 11, 2021 - Aug 27, 2021
#9	-10.34% Dec 28, 2004 - Feb 9, 2005	-5.12% Oct 25, 2019 - Nov 7, 2019
#10	-8.31% Oct 27, 2017 - Nov 29, 2017	-4.20% Dec 19, 2019 - Dec 23, 2019
#11	-8.09% Nov 23, 2021 - Dec 29, 2021	-3.13% Nov 13, 2019 - Nov 19, 2019
#12	-6.43% Dec 18, 2017 - Jan 11, 2018	-2.45% Aug 6, 2021 - Aug 11, 2021
#13	-5.47% Dec 5, 2017 - Dec 18, 2017	-2.13% Aug 27, 2021 - Sep 1, 2021
#14	-3.97% Apr 7, 2005 - Apr 26, 2005	-0.48% Nov 10, 2021 - Nov 12, 2021
#15	-3.61% Jul 11, 2013 - Jul 19, 2013	-0.37% Nov 8, 2021 - Nov 10, 2021