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Side-by-side financial comparison of First Internet Bancorp (INBK) and PCB BANCORP (PCB). Click either name above to swap in a different company.
First Internet Bancorp is the larger business by last-quarter revenue ($43.1M vs $29.2M, roughly 1.5× PCB BANCORP). Over the past eight quarters, First Internet Bancorp's revenue compounded faster (15.4% CAGR vs 10.4%).
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.
PCB Bank is an American community bank that focuses on the Korean-American community based in California and offers commercial banking services. It has branches in 8 states and is the third largest Korean American Bank after Bank of Hope and Hanmi Bank.
INBK vs PCB — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $43.1M | $29.2M |
| Net Profit | $2.5M | — |
| Gross Margin | — | — |
| Operating Margin | — | 45.0% |
| Net Margin | 5.8% | — |
| Revenue YoY | — | 11.3% |
| Net Profit YoY | — | — |
| EPS (diluted) | $0.29 | $0.65 |
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.
| Q1 26 | $43.1M | — | ||
| Q4 25 | $30.3M | $29.2M | ||
| Q3 25 | $5.7M | $30.4M | ||
| Q2 25 | $33.5M | $29.3M | ||
| Q1 25 | $35.5M | $26.9M | ||
| Q4 24 | $39.5M | $26.2M | ||
| Q3 24 | $33.8M | $25.3M | ||
| Q2 24 | $32.4M | $24.2M |
| Q1 26 | $2.5M | — | ||
| Q4 25 | $5.3M | — | ||
| Q3 25 | $-41.6M | $11.4M | ||
| Q2 25 | $193.0K | $9.1M | ||
| Q1 25 | $943.0K | $7.7M | ||
| Q4 24 | $7.3M | — | ||
| Q3 24 | $7.0M | $7.8M | ||
| Q2 24 | $5.8M | $6.3M |
| Q1 26 | — | — | ||
| Q4 25 | 18.1% | 45.0% | ||
| Q3 25 | -956.1% | 52.3% | ||
| Q2 25 | -5.5% | 43.3% | ||
| Q1 25 | 0.1% | 40.2% | ||
| Q4 24 | 21.1% | 39.3% | ||
| Q3 24 | 22.5% | 42.2% | ||
| Q2 24 | 18.5% | 36.3% |
| Q1 26 | 5.8% | — | ||
| Q4 25 | 17.4% | — | ||
| Q3 25 | -729.1% | 37.5% | ||
| Q2 25 | 0.6% | 31.0% | ||
| Q1 25 | 2.7% | 28.8% | ||
| Q4 24 | 18.6% | — | ||
| Q3 24 | 20.7% | 30.8% | ||
| Q2 24 | 17.8% | 25.9% |
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.60 | $0.65 | ||
| Q3 25 | $-4.76 | $0.78 | ||
| Q2 25 | $0.02 | $0.62 | ||
| Q1 25 | $0.11 | $0.53 | ||
| Q4 24 | $0.82 | $0.46 | ||
| Q3 24 | $0.80 | $0.52 | ||
| Q2 24 | $0.67 | $0.43 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $207.1M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $374.3M | $390.0M |
| Total Assets | $5.6B | $3.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $456.8M | $207.1M | ||
| Q3 25 | $787.7M | $369.5M | ||
| Q2 25 | $446.4M | $263.6M | ||
| Q1 25 | $394.5M | $214.3M | ||
| Q4 24 | $466.4M | $198.8M | ||
| Q3 24 | $712.5M | $193.1M | ||
| Q2 24 | $396.8M | $177.6M |
| Q1 26 | — | — | ||
| Q4 25 | $249.5M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $295.0M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $374.3M | — | ||
| Q4 25 | $359.8M | $390.0M | ||
| Q3 25 | $352.2M | $384.5M | ||
| Q2 25 | $390.2M | $376.5M | ||
| Q1 25 | $387.7M | $370.9M | ||
| Q4 24 | $384.1M | $363.8M | ||
| Q3 24 | $385.1M | $362.3M | ||
| Q2 24 | $372.0M | $353.5M |
| Q1 26 | $5.6B | — | ||
| Q4 25 | $5.6B | $3.3B | ||
| Q3 25 | $5.6B | $3.4B | ||
| Q2 25 | $6.1B | $3.3B | ||
| Q1 25 | $5.9B | $3.2B | ||
| Q4 24 | $5.7B | $3.1B | ||
| Q3 24 | $5.8B | $2.9B | ||
| Q2 24 | $5.3B | $2.9B |
| Q1 26 | — | — | ||
| Q4 25 | 0.69× | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 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 | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $26.6M |
| Free Cash FlowOCF − Capex | — | $24.4M |
| FCF MarginFCF / Revenue | — | 83.6% |
| Capex IntensityCapex / Revenue | — | 7.5% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $46.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $3.4M | $26.6M | ||
| Q3 25 | $37.1M | $16.4M | ||
| Q2 25 | $-90.2M | $4.9M | ||
| Q1 25 | $32.8M | $2.3M | ||
| Q4 24 | $13.0M | $39.0M | ||
| Q3 24 | $331.0K | $11.9M | ||
| Q2 24 | $16.0M | $14.6M |
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $24.4M | ||
| Q3 25 | $37.0M | $16.2M | ||
| Q2 25 | $-90.8M | $3.8M | ||
| Q1 25 | $32.6M | $1.6M | ||
| Q4 24 | $10.4M | $34.9M | ||
| Q3 24 | $-270.0K | $11.9M | ||
| Q2 24 | $15.5M | $12.8M |
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | 83.6% | ||
| Q3 25 | 648.0% | 53.2% | ||
| Q2 25 | -270.7% | 13.1% | ||
| Q1 25 | 91.9% | 6.0% | ||
| Q4 24 | 26.3% | 133.2% | ||
| Q3 24 | -0.8% | 46.8% | ||
| Q2 24 | 47.8% | 53.1% |
| Q1 26 | — | — | ||
| Q4 25 | 4.0% | 7.5% | ||
| Q3 25 | 1.9% | 0.8% | ||
| Q2 25 | 1.9% | 3.7% | ||
| Q1 25 | 0.5% | 2.8% | ||
| Q4 24 | 6.6% | 15.5% | ||
| Q3 24 | 1.8% | 0.1% | ||
| Q2 24 | 1.7% | 7.3% |
| Q1 26 | — | — | ||
| Q4 25 | 0.65× | — | ||
| Q3 25 | — | 1.44× | ||
| Q2 25 | -467.21× | 0.54× | ||
| Q1 25 | 34.81× | 0.30× | ||
| Q4 24 | 1.77× | — | ||
| Q3 24 | 0.05× | 1.52× | ||
| Q2 24 | 2.77× | 2.33× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
INBK
| Net Interest Income | $31.6M | 73% |
| Noninterest Income | $11.5M | 27% |
PCB
Segment breakdown not available.
