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Side-by-side financial comparison of Bandwidth Inc. (BAND) and BYLINE BANCORP, INC. (BY). Click either name above to swap in a different company.
Bandwidth Inc. is the larger business by last-quarter revenue ($207.7M vs $112.4M, roughly 1.8× BYLINE BANCORP, INC.). On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs -1.1%). Over the past eight quarters, Bandwidth Inc.'s revenue compounded faster (10.2% CAGR vs 6.4%).
Bandwidth Inc. is a communications platform as a service company. It sells software application programming interfaces for voice, text messaging and emergency services, using its own global IP voice network.
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.
BAND vs BY — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $207.7M | $112.4M |
| Net Profit | — | $37.6M |
| Gross Margin | 37.6% | — |
| Operating Margin | -1.9% | — |
| Net Margin | — | 33.4% |
| Revenue YoY | -1.1% | 9.0% |
| Net Profit YoY | — | 33.0% |
| EPS (diluted) | $-0.10 | $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 | $207.7M | $117.0M | ||
| Q3 25 | $191.9M | $115.7M | ||
| Q2 25 | $180.0M | $110.5M | ||
| Q1 25 | $174.2M | $103.1M | ||
| Q4 24 | $210.0M | $104.7M | ||
| Q3 24 | $193.9M | $101.8M | ||
| Q2 24 | $173.6M | $99.4M |
| Q1 26 | — | $37.6M | ||
| Q4 25 | — | $34.5M | ||
| Q3 25 | $-1.2M | $37.2M | ||
| Q2 25 | $-4.9M | $30.1M | ||
| Q1 25 | $-3.7M | $28.2M | ||
| Q4 24 | — | $30.3M | ||
| Q3 24 | $413.0K | $30.3M | ||
| Q2 24 | $4.1M | $29.7M |
| Q1 26 | — | — | ||
| Q4 25 | 37.6% | — | ||
| Q3 25 | 38.5% | — | ||
| Q2 25 | 39.8% | — | ||
| Q1 25 | 41.0% | — | ||
| Q4 24 | 36.4% | — | ||
| Q3 24 | 37.7% | — | ||
| Q2 24 | 37.3% | — |
| Q1 26 | — | — | ||
| Q4 25 | -1.9% | 40.1% | ||
| Q3 25 | -1.0% | 43.1% | ||
| Q2 25 | -2.1% | 35.2% | ||
| Q1 25 | -2.7% | 36.4% | ||
| Q4 24 | -1.3% | 38.6% | ||
| Q3 24 | -0.5% | 39.3% | ||
| Q2 24 | -3.5% | 40.4% |
| Q1 26 | — | 33.4% | ||
| Q4 25 | — | 34.1% | ||
| Q3 25 | -0.6% | 32.1% | ||
| Q2 25 | -2.7% | 27.2% | ||
| Q1 25 | -2.1% | 27.4% | ||
| Q4 24 | — | 34.3% | ||
| Q3 24 | 0.2% | 29.8% | ||
| Q2 24 | 2.3% | 29.9% |
| Q1 26 | — | $0.83 | ||
| Q4 25 | $-0.10 | $0.77 | ||
| Q3 25 | $-0.04 | $0.82 | ||
| Q2 25 | $-0.16 | $0.66 | ||
| Q1 25 | $-0.13 | $0.64 | ||
| Q4 24 | $0.27 | $0.68 | ||
| Q3 24 | $0.01 | $0.69 | ||
| Q2 24 | $-0.17 | $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 | $111.3M | $198.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $400.0M | $1.3B |
| Total Assets | $1.1B | $9.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $198.4M | ||
| Q4 25 | $111.3M | $149.1M | ||
| Q3 25 | $80.4M | $259.0M | ||
| Q2 25 | $68.1M | $218.3M | ||
| Q1 25 | $41.7M | $421.3M | ||
| Q4 24 | $83.8M | $563.1M | ||
| Q3 24 | $79.9M | $452.6M | ||
| Q2 24 | $76.4M | $730.5M |
| Q1 26 | — | $1.3B | ||
| Q4 25 | $400.0M | $1.3B | ||
| Q3 25 | $392.7M | $1.2B | ||
| Q2 25 | $384.5M | $1.2B | ||
| Q1 25 | $345.4M | $1.1B | ||
| Q4 24 | $312.5M | $1.1B | ||
| Q3 24 | $336.6M | $1.1B | ||
| Q2 24 | $307.4M | $1.0B |
| Q1 26 | — | $9.9B | ||
| Q4 25 | $1.1B | $9.7B | ||
| Q3 25 | $1.0B | $9.8B | ||
| Q2 25 | $1.0B | $9.7B | ||
| Q1 25 | $964.4M | $9.6B | ||
| Q4 24 | $989.2M | $9.5B | ||
| Q3 24 | $1.0B | $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 | $38.6M | — |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $38.6M | $140.3M | ||
| Q3 25 | $22.2M | $38.3M | ||
| Q2 25 | $31.7M | $16.3M | ||
| Q1 25 | $-3.1M | $27.1M | ||
| Q4 24 | $36.5M | $175.2M | ||
| Q3 24 | $20.5M | $19.8M | ||
| Q2 24 | $24.4M | $40.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | $136.3M | ||
| Q3 25 | — | $38.0M | ||
| Q2 25 | — | $15.2M | ||
| Q1 25 | — | $25.0M | ||
| Q4 24 | — | $171.2M | ||
| Q3 24 | — | $19.1M | ||
| Q2 24 | — | $39.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 116.5% | ||
| Q3 25 | — | 32.8% | ||
| Q2 25 | — | 13.7% | ||
| Q1 25 | — | 24.3% | ||
| Q4 24 | — | 163.5% | ||
| Q3 24 | — | 18.8% | ||
| Q2 24 | — | 39.7% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.4% | ||
| Q3 25 | — | 0.3% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 2.0% | ||
| Q4 24 | — | 3.8% | ||
| Q3 24 | — | 0.6% | ||
| Q2 24 | — | 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 | 49.55× | 0.65× | ||
| Q2 24 | 6.03× | 1.35× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BAND
| Messaging Surcharges | $192.4M | 93% |
| Other | $15.2M | 7% |
BY
Segment breakdown not available.
