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Side-by-side financial comparison of C3.ai, Inc. (AI) and BYLINE BANCORP, INC. (BY). Click either name above to swap in a different company.
BYLINE BANCORP, INC. is the larger business by last-quarter revenue ($112.4M vs $75.1M, roughly 1.5× C3.ai, Inc.). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs -139.3%, a 172.7% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs -20.3%). Over the past eight quarters, BYLINE BANCORP, INC.'s revenue compounded faster (6.4% CAGR vs -2.1%).
C3.ai, Inc. is a leading enterprise artificial intelligence software provider that develops and delivers scalable AI applications, platform tools, and industry-specific solutions for clients across sectors including manufacturing, energy, financial services, healthcare and public sector. Its offerings help organizations optimize operations, reduce costs, mitigate risks, and realize data-driven decision making.
Byline Bank is a bank headquartered in Chicago, Illinois, United States. It is the primary subsidiary of Byline Bancorp, Inc., a bank holding company, and the 4th largest SBA 7(a) lender.
AI vs BY — Head-to-Head
Income Statement — Q2 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $75.1M | $112.4M |
| Net Profit | $-104.7M | $37.6M |
| Gross Margin | 40.4% | — |
| Operating Margin | -149.2% | — |
| Net Margin | -139.3% | 33.4% |
| Revenue YoY | -20.3% | 9.0% |
| Net Profit YoY | -58.7% | 33.0% |
| EPS (diluted) | $-0.75 | $0.83 |
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 | — | $112.4M | ||
| Q4 25 | $75.1M | $117.0M | ||
| Q3 25 | $70.3M | $115.7M | ||
| Q2 25 | $108.7M | $110.5M | ||
| Q1 25 | $98.8M | $103.1M | ||
| Q4 24 | $94.3M | $104.7M | ||
| Q3 24 | $87.2M | $101.8M | ||
| Q2 24 | $86.6M | $99.4M |
| Q1 26 | — | $37.6M | ||
| Q4 25 | $-104.7M | $34.5M | ||
| Q3 25 | $-116.8M | $37.2M | ||
| Q2 25 | $-79.7M | $30.1M | ||
| Q1 25 | $-80.2M | $28.2M | ||
| Q4 24 | $-66.0M | $30.3M | ||
| Q3 24 | $-62.8M | $30.3M | ||
| Q2 24 | $-72.9M | $29.7M |
| Q1 26 | — | — | ||
| Q4 25 | 40.4% | — | ||
| Q3 25 | 37.6% | — | ||
| Q2 25 | 62.1% | — | ||
| Q1 25 | 59.1% | — | ||
| Q4 24 | 61.3% | — | ||
| Q3 24 | 59.8% | — | ||
| Q2 24 | 59.6% | — |
| Q1 26 | — | — | ||
| Q4 25 | -149.2% | 40.1% | ||
| Q3 25 | -177.7% | 43.1% | ||
| Q2 25 | -81.8% | 35.2% | ||
| Q1 25 | -88.7% | 36.4% | ||
| Q4 24 | -79.8% | 38.6% | ||
| Q3 24 | -83.2% | 39.3% | ||
| Q2 24 | -95.1% | 40.4% |
| Q1 26 | — | 33.4% | ||
| Q4 25 | -139.3% | 34.1% | ||
| Q3 25 | -166.2% | 32.1% | ||
| Q2 25 | -73.3% | 27.2% | ||
| Q1 25 | -81.2% | 27.4% | ||
| Q4 24 | -69.9% | 34.3% | ||
| Q3 24 | -72.0% | 29.8% | ||
| Q2 24 | -84.2% | 29.9% |
| Q1 26 | — | $0.83 | ||
| Q4 25 | $-0.75 | $0.77 | ||
| Q3 25 | $-0.86 | $0.82 | ||
| Q2 25 | $-0.60 | $0.66 | ||
| Q1 25 | $-0.62 | $0.64 | ||
| Q4 24 | $-0.52 | $0.68 | ||
| Q3 24 | $-0.50 | $0.69 | ||
| Q2 24 | $-0.59 | $0.68 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $675.0M | $198.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $771.9M | $1.3B |
| Total Assets | $961.3M | $9.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $198.4M | ||
| Q4 25 | $675.0M | $149.1M | ||
| Q3 25 | $711.9M | $259.0M | ||
| Q2 25 | $742.7M | $218.3M | ||
| Q1 25 | $724.3M | $421.3M | ||
| Q4 24 | $730.4M | $563.1M | ||
| Q3 24 | $762.5M | $452.6M | ||
| Q2 24 | $750.4M | $730.5M |
| Q1 26 | — | $1.3B | ||
| Q4 25 | $771.9M | $1.3B | ||
| Q3 25 | $798.8M | $1.2B | ||
| Q2 25 | $838.3M | $1.2B | ||
| Q1 25 | $860.2M | $1.1B | ||
| Q4 24 | $859.0M | $1.1B | ||
| Q3 24 | $874.9M | $1.1B | ||
| Q2 24 | $873.4M | $1.0B |
| Q1 26 | — | $9.9B | ||
| Q4 25 | $961.3M | $9.7B | ||
| Q3 25 | $968.7M | $9.8B | ||
| Q2 25 | $1.0B | $9.7B | ||
| Q1 25 | $1.1B | $9.6B | ||
| Q4 24 | $1.0B | $9.5B | ||
| Q3 24 | $1.1B | $9.4B | ||
| Q2 24 | $1.0B | $9.6B |
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 | $-46.5M | — |
| Free Cash FlowOCF − Capex | $-46.9M | — |
| FCF MarginFCF / Revenue | -62.4% | — |
| Capex IntensityCapex / Revenue | 0.5% | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-93.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-46.5M | $140.3M | ||
| Q3 25 | $-33.5M | $38.3M | ||
| Q2 25 | $11.3M | $16.3M | ||
| Q1 25 | $-22.0M | $27.1M | ||
| Q4 24 | $-38.7M | $175.2M | ||
| Q3 24 | $8.0M | $19.8M | ||
| Q2 24 | $21.3M | $40.1M |
| Q1 26 | — | — | ||
| Q4 25 | $-46.9M | $136.3M | ||
| Q3 25 | $-34.3M | $38.0M | ||
| Q2 25 | $10.3M | $15.2M | ||
| Q1 25 | $-22.4M | $25.0M | ||
| Q4 24 | $-39.5M | $171.2M | ||
| Q3 24 | $7.1M | $19.1M | ||
| Q2 24 | $18.8M | $39.4M |
| Q1 26 | — | — | ||
| Q4 25 | -62.4% | 116.5% | ||
| Q3 25 | -48.8% | 32.8% | ||
| Q2 25 | 9.5% | 13.7% | ||
| Q1 25 | -22.7% | 24.3% | ||
| Q4 24 | -41.9% | 163.5% | ||
| Q3 24 | 8.2% | 18.8% | ||
| Q2 24 | 21.7% | 39.7% |
| Q1 26 | — | — | ||
| Q4 25 | 0.5% | 3.4% | ||
| Q3 25 | 1.1% | 0.3% | ||
| Q2 25 | 0.9% | 1.0% | ||
| Q1 25 | 0.4% | 2.0% | ||
| Q4 24 | 0.9% | 3.8% | ||
| Q3 24 | 1.1% | 0.6% | ||
| Q2 24 | 2.9% | 0.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.06× | ||
| Q3 25 | — | 1.03× | ||
| Q2 25 | — | 0.54× | ||
| Q1 25 | — | 0.96× | ||
| Q4 24 | — | 5.78× | ||
| Q3 24 | — | 0.65× | ||
| Q2 24 | — | 1.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AI
| License And Service | $70.2M | 93% |
| Professional Services | $4.9M | 7% |
BY
Segment breakdown not available.
