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Side-by-side financial comparison of Bandwidth Inc. (BAND) and Stellar Bancorp, Inc. (STEL). Click either name above to swap in a different company.
Bandwidth Inc. is the larger business by last-quarter revenue ($208.8M vs $108.9M, roughly 1.9× Stellar Bancorp, Inc.). Stellar Bancorp, Inc. runs the higher net margin — 24.0% vs 1.9%, a 22.1% gap on every dollar of revenue. On growth, Bandwidth Inc. posted the faster year-over-year revenue change (20.1% vs 0.8%). Stellar Bancorp, Inc. produced more free cash flow last quarter ($92.6M vs $-1.0M). Over the past eight quarters, Bandwidth Inc.'s revenue compounded faster (9.7% CAGR vs 0.2%).
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.
Stellar Bancorp, Inc. is a United States-based financial holding company that operates via its wholly-owned banking subsidiary. It provides a full suite of retail and commercial banking services, including deposit products, personal and commercial loans, mortgage services, and wealth management solutions, serving individual consumers, small businesses, and regional corporate clients.
BAND vs STEL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $208.8M | $108.9M |
| Net Profit | $4.0M | $26.1M |
| Gross Margin | 37.3% | — |
| Operating Margin | 60.5% | 29.0% |
| Net Margin | 1.9% | 24.0% |
| Revenue YoY | 20.1% | 0.8% |
| Net Profit YoY | 200.0% | 3.7% |
| EPS (diluted) | $-0.08 | $0.52 |
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 | $208.8M | — | ||
| Q4 25 | $207.7M | $108.9M | ||
| Q3 25 | $191.9M | $105.6M | ||
| Q2 25 | $180.0M | $104.1M | ||
| Q1 25 | $174.2M | $104.8M | ||
| Q4 24 | $210.0M | $108.0M | ||
| Q3 24 | $193.9M | $107.8M | ||
| Q2 24 | $173.6M | $106.8M |
| Q1 26 | $4.0M | — | ||
| Q4 25 | — | $26.1M | ||
| Q3 25 | $-1.2M | $25.7M | ||
| Q2 25 | $-4.9M | $26.4M | ||
| Q1 25 | $-3.7M | $24.7M | ||
| Q4 24 | — | $25.2M | ||
| Q3 24 | $413.0K | $33.9M | ||
| Q2 24 | $4.1M | $29.8M |
| Q1 26 | 37.3% | — | ||
| 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 | 60.5% | — | ||
| Q4 25 | -1.9% | 29.0% | ||
| Q3 25 | -1.0% | 30.5% | ||
| Q2 25 | -2.1% | 31.7% | ||
| Q1 25 | -2.7% | 29.6% | ||
| Q4 24 | -1.3% | 29.4% | ||
| Q3 24 | -0.5% | 39.6% | ||
| Q2 24 | -3.5% | 35.1% |
| Q1 26 | 1.9% | — | ||
| Q4 25 | — | 24.0% | ||
| Q3 25 | -0.6% | 24.3% | ||
| Q2 25 | -2.7% | 25.3% | ||
| Q1 25 | -2.1% | 23.6% | ||
| Q4 24 | — | 23.3% | ||
| Q3 24 | 0.2% | 31.4% | ||
| Q2 24 | 2.3% | 27.9% |
| Q1 26 | $-0.08 | — | ||
| Q4 25 | $-0.10 | $0.52 | ||
| Q3 25 | $-0.04 | $0.50 | ||
| Q2 25 | $-0.16 | $0.51 | ||
| Q1 25 | $-0.13 | $0.46 | ||
| Q4 24 | $0.27 | $0.47 | ||
| Q3 24 | $0.01 | $0.63 | ||
| Q2 24 | $-0.17 | $0.56 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $47.3M | $419.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $405.7M | $1.7B |
| Total Assets | $984.2M | $10.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $47.3M | — | ||
| Q4 25 | $111.3M | $419.5M | ||
| Q3 25 | $80.4M | $728.4M | ||
| Q2 25 | $68.1M | $578.1M | ||
| Q1 25 | $41.7M | $560.6M | ||
| Q4 24 | $83.8M | $911.2M | ||
| Q3 24 | $79.9M | $516.2M | ||
| Q2 24 | $76.4M | $490.3M |
| Q1 26 | $405.7M | — | ||
| Q4 25 | $400.0M | $1.7B | ||
| Q3 25 | $392.7M | $1.7B | ||
| Q2 25 | $384.5M | $1.6B | ||
| Q1 25 | $345.4M | $1.6B | ||
| Q4 24 | $312.5M | $1.6B | ||
| Q3 24 | $336.6M | $1.6B | ||
| Q2 24 | $307.4M | $1.6B |
| Q1 26 | $984.2M | — | ||
| Q4 25 | $1.1B | $10.8B | ||
| Q3 25 | $1.0B | $10.6B | ||
| Q2 25 | $1.0B | $10.5B | ||
| Q1 25 | $964.4M | $10.4B | ||
| Q4 24 | $989.2M | $10.9B | ||
| Q3 24 | $1.0B | $10.6B | ||
| Q2 24 | $1.0B | $10.7B |
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 | — | $97.0M |
| Free Cash FlowOCF − Capex | $-1.0M | $92.6M |
| FCF MarginFCF / Revenue | -0.5% | 85.0% |
| Capex IntensityCapex / Revenue | — | 4.0% |
| Cash ConversionOCF / Net Profit | — | 3.71× |
| TTM Free Cash FlowTrailing 4 quarters | — | $173.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $38.6M | $97.0M | ||
| Q3 25 | $22.2M | $63.6M | ||
| Q2 25 | $31.7M | $25.8M | ||
| Q1 25 | $-3.1M | $-5.7M | ||
| Q4 24 | $36.5M | $132.6M | ||
| Q3 24 | $20.5M | $59.5M | ||
| Q2 24 | $24.4M | $38.1M |
| Q1 26 | $-1.0M | — | ||
| Q4 25 | — | $92.6M | ||
| Q3 25 | — | $62.5M | ||
| Q2 25 | — | $24.5M | ||
| Q1 25 | — | $-6.4M | ||
| Q4 24 | — | $128.0M | ||
| Q3 24 | — | $57.7M | ||
| Q2 24 | — | $37.1M |
| Q1 26 | -0.5% | — | ||
| Q4 25 | — | 85.0% | ||
| Q3 25 | — | 59.2% | ||
| Q2 25 | — | 23.6% | ||
| Q1 25 | — | -6.2% | ||
| Q4 24 | — | 118.5% | ||
| Q3 24 | — | 53.5% | ||
| Q2 24 | — | 34.8% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.0% | ||
| Q3 25 | — | 1.1% | ||
| Q2 25 | — | 1.2% | ||
| Q1 25 | — | 0.7% | ||
| Q4 24 | — | 4.3% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 0.9% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.71× | ||
| Q3 25 | — | 2.48× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | -0.23× | ||
| Q4 24 | — | 5.26× | ||
| Q3 24 | 49.55× | 1.76× | ||
| Q2 24 | 6.03× | 1.28× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
