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Side-by-side financial comparison of EASTERN CO (EML) and First Internet Bancorp (INBK). Click either name above to swap in a different company.

EASTERN CO is the larger business by last-quarter revenue ($55.3M vs $43.1M, roughly 1.3× First Internet Bancorp). First Internet Bancorp runs the higher net margin — 5.8% vs 1.0%, a 4.8% gap on every dollar of revenue. Over the past eight quarters, First Internet Bancorp's revenue compounded faster (15.4% CAGR vs -0.6%).

China Eastern Airlines is a major airline in China, headquartered in Changning, Shanghai. It is one of the three major airlines in the country, along with Air China and China Southern Airlines.

First Internet Bank of Indiana (First IB) is the sole subsidiary of First Internet Bancorp, an American bank holding company headquartered in Fishers, Indiana. It was established as one of the first state-chartered banks to operate exclusively online and via telephone, without any physical branches.

EML vs INBK — Head-to-Head

Bigger by revenue
EML
EML
1.3× larger
EML
$55.3M
$43.1M
INBK
Higher net margin
INBK
INBK
4.8% more per $
INBK
5.8%
1.0%
EML
Faster 2-yr revenue CAGR
INBK
INBK
Annualised
INBK
15.4%
-0.6%
EML

Income Statement — Q3 FY2025 vs Q1 FY2026

Metric
EML
EML
INBK
INBK
Revenue
$55.3M
$43.1M
Net Profit
$578.9K
$2.5M
Gross Margin
22.3%
Operating Margin
3.1%
Net Margin
1.0%
5.8%
Revenue YoY
-22.4%
Net Profit YoY
103.8%
EPS (diluted)
$0.10
$0.29

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
EML
EML
INBK
INBK
Q1 26
$43.1M
Q4 25
$30.3M
Q3 25
$55.3M
$5.7M
Q2 25
$70.2M
$33.5M
Q1 25
$63.3M
$35.5M
Q4 24
$64.3M
$39.5M
Q3 24
$71.3M
$33.8M
Q2 24
$72.6M
$32.4M
Net Profit
EML
EML
INBK
INBK
Q1 26
$2.5M
Q4 25
$5.3M
Q3 25
$578.9K
$-41.6M
Q2 25
$3.4M
$193.0K
Q1 25
$1.9M
$943.0K
Q4 24
$1.3M
$7.3M
Q3 24
$-15.3M
$7.0M
Q2 24
$3.5M
$5.8M
Gross Margin
EML
EML
INBK
INBK
Q1 26
Q4 25
Q3 25
22.3%
Q2 25
23.3%
Q1 25
22.4%
Q4 24
23.6%
Q3 24
25.5%
Q2 24
25.4%
Operating Margin
EML
EML
INBK
INBK
Q1 26
Q4 25
18.1%
Q3 25
3.1%
-956.1%
Q2 25
4.5%
-5.5%
Q1 25
5.1%
0.1%
Q4 24
6.1%
21.1%
Q3 24
9.5%
22.5%
Q2 24
8.3%
18.5%
Net Margin
EML
EML
INBK
INBK
Q1 26
5.8%
Q4 25
17.4%
Q3 25
1.0%
-729.1%
Q2 25
4.9%
0.6%
Q1 25
3.1%
2.7%
Q4 24
2.0%
18.6%
Q3 24
-21.5%
20.7%
Q2 24
4.8%
17.8%
EPS (diluted)
EML
EML
INBK
INBK
Q1 26
$0.29
Q4 25
$0.60
Q3 25
$0.10
$-4.76
Q2 25
$0.56
$0.02
Q1 25
$0.32
$0.11
Q4 24
$0.22
$0.82
Q3 24
$-2.46
$0.80
Q2 24
$0.56
$0.67

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
EML
EML
INBK
INBK
Cash + ST InvestmentsLiquidity on hand
$9.2M
Total DebtLower is stronger
Stockholders' EquityBook value
$124.3M
$374.3M
Total Assets
$220.0M
$5.6B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
EML
EML
INBK
INBK
Q1 26
Q4 25
$456.8M
Q3 25
$9.2M
$787.7M
Q2 25
$9.1M
$446.4M
Q1 25
$10.2M
$394.5M
Q4 24
$16.1M
$466.4M
Q3 24
$9.7M
$712.5M
Q2 24
$2.0M
$396.8M
Total Debt
EML
EML
INBK
INBK
Q1 26
Q4 25
$249.5M
Q3 25
Q2 25
Q1 25
Q4 24
$42.2M
$295.0M
Q3 24
Q2 24
Stockholders' Equity
EML
EML
INBK
INBK
Q1 26
$374.3M
Q4 25
$359.8M
Q3 25
$124.3M
$352.2M
Q2 25
$124.4M
$390.2M
Q1 25
$121.0M
$387.7M
Q4 24
$120.7M
$384.1M
Q3 24
$119.2M
$385.1M
Q2 24
$136.5M
$372.0M
Total Assets
EML
EML
INBK
INBK
Q1 26
$5.6B
Q4 25
$5.6B
Q3 25
$220.0M
$5.6B
Q2 25
$229.4M
$6.1B
Q1 25
$232.3M
$5.9B
Q4 24
$235.3M
$5.7B
Q3 24
$244.2M
$5.8B
Q2 24
$255.9M
$5.3B
Debt / Equity
EML
EML
INBK
INBK
Q1 26
Q4 25
0.69×
Q3 25
Q2 25
Q1 25
Q4 24
0.35×
0.77×
Q3 24
Q2 24

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
EML
EML
INBK
INBK
Operating Cash FlowLast quarter
$3.1M
Free Cash FlowOCF − Capex
$3.1M
FCF MarginFCF / Revenue
5.5%
Capex IntensityCapex / Revenue
0.1%
Cash ConversionOCF / Net Profit
5.38×
TTM Free Cash FlowTrailing 4 quarters
$12.3M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
EML
EML
INBK
INBK
Q1 26
Q4 25
$3.4M
Q3 25
$3.1M
$37.1M
Q2 25
$3.8M
$-90.2M
Q1 25
$-1.8M
$32.8M
Q4 24
$11.0M
$13.0M
Q3 24
$-2.9M
$331.0K
Q2 24
$8.4M
$16.0M
Free Cash Flow
EML
EML
INBK
INBK
Q1 26
Q4 25
$2.2M
Q3 25
$3.1M
$37.0M
Q2 25
$3.0M
$-90.8M
Q1 25
$-2.7M
$32.6M
Q4 24
$9.0M
$10.4M
Q3 24
$-7.7M
$-270.0K
Q2 24
$7.3M
$15.5M
FCF Margin
EML
EML
INBK
INBK
Q1 26
Q4 25
7.3%
Q3 25
5.5%
648.0%
Q2 25
4.3%
-270.7%
Q1 25
-4.3%
91.9%
Q4 24
13.9%
26.3%
Q3 24
-10.8%
-0.8%
Q2 24
10.1%
47.8%
Capex Intensity
EML
EML
INBK
INBK
Q1 26
Q4 25
4.0%
Q3 25
0.1%
1.9%
Q2 25
1.1%
1.9%
Q1 25
1.3%
0.5%
Q4 24
3.2%
6.6%
Q3 24
6.7%
1.8%
Q2 24
1.5%
1.7%
Cash Conversion
EML
EML
INBK
INBK
Q1 26
Q4 25
0.65×
Q3 25
5.38×
Q2 25
1.09×
-467.21×
Q1 25
-0.95×
34.81×
Q4 24
8.41×
1.77×
Q3 24
0.05×
Q2 24
2.40×
2.77×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

EML
EML

Segment breakdown not available.

INBK
INBK

Net Interest Income$31.6M73%
Noninterest Income$11.5M27%

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