INBK Should I Buy
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["Not a good buy right now: near-term technicals are weakening and the market is focused on elevated credit costs/NCOs that management expects to persist into 1H26.", "Price is below the pivot (22.573) with bearish MACD momentum; odds-based pattern data also skews negative over the next week/month.", "Options positioning is very call-heavy (bullish/speculative), but that alone doesn\u2019t offset the fundamental catalyst (higher 2026 provisions) and current downside momentum.", "Intellectia Proprietary Trading Signals", "- AI Stock Picker: No signal on given stock today.", "- SwingMax: No signal on given stock recently."]
["Trend/momentum: MACD histogram -0.0773 below zero and negatively expanding \u2192 bearish momentum building.", "RSI(6) at 45.07 \u2192 neutral-to-soft, not oversold (no strong mean-reversion buy signal).", "Moving averages: converging \u2192 indecision/transition, but current momentum leans downside.", "Key levels: Pivot 22.573 (overhead); Support S1 20.994 then S2 20.018; Resistance R1 24.153.", "Positioning vs levels: at 21.76, the stock is below pivot and closer to S1 than R1, implying limited immediate upside vs downside risk to support.", "Pattern-based forward bias (provided): +0.93% next day probability, but -6.94% next week and -5.72% next month \u2192 bearish near-term skew."]
["Q4 2025 EPS beat: GAAP EPS 0.60 vs expectations by +0.02.", "Revenue beat: Q4 revenue 41.7M, +5.6% YoY and above expectations by 8.9M.", "Net interest income +30% YoY and net interest margin up to 2.22% (improving core banking profitability trend).", "Management guiding 2026 loan growth of ~15%\u201317% (supports topline growth narrative).", "One notable bullish sell-side view: Hovde raised PT to $29 and kept Outperform."]
["Credit costs remain the dominant overhang: management expects provisions for credit losses of $50M\u2013$53M in 2026 (keeps earnings pressure elevated).", "Sell-side caution explicitly tied to elevated NCOs and disappointing quarter commentary (Piper Sandler, KBW).", "Net income and EPS down ~28% YoY in the latest quarter despite revenue growth, suggesting credit/provisioning is offsetting operating improvements.", "No supportive \u201csmart money\u201d confirmation in the provided flow: hedge funds and insiders both flagged as Neutral with no significant recent trend.", "Near-term technical backdrop is not supportive (bearish MACD; price under pivot)."]
["Latest quarter: 2025/Q4.", "Revenue: 38.888M, +6.48% YoY (growth positive).", "Net income: 5.289M, -27.84% YoY (profitability deteriorated).", "EPS: 0.60, -27.71% YoY (earnings power pressured).", "Takeaway: operating revenue is expanding, but credit costs/provisions are weighing on bottom-line growth\u2014consistent with management\u2019s elevated 2026 credit-cost guidance."]
["Recent changes (2026-01-30):", "Piper Sandler: Neutral, PT cut to $23.50 from $24; cited disappointing quarter and elevated NCOs/credit costs likely through 1H26.", "KBW: Market Perform, PT cut to $23 from $25; aligns with a cautious/neutral stance.", "Hovde Group: Outperform, PT raised to $29 from $26; more constructive view.", "Wall Street pros/cons view: targets cluster around low-$20s on the cautious side due to credit quality/provisions, with a minority bullish camp pointing to NIM/loan growth and operational momentum."]
