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Side-by-side financial comparison of Bandwidth Inc. (BAND) and TRICO BANCSHARES (TCBK). Click either name above to swap in a different company.
Bandwidth Inc. is the larger business by last-quarter revenue ($208.8M vs $109.4M, roughly 1.9× TRICO BANCSHARES ). TRICO BANCSHARES runs the higher net margin — 251.6% vs 1.9%, a 249.7% gap on every dollar of revenue. On growth, Bandwidth Inc. posted the faster year-over-year revenue change (20.1% vs 9.0%). TRICO BANCSHARES produced more free cash flow last quarter ($127.9M vs $-1.0M). Over the past eight quarters, Bandwidth Inc.'s revenue compounded faster (9.7% CAGR vs 5.4%).
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.
Trico Bancshares is a U.S.-headquartered regional bank holding company operating Tri Counties Bank. It offers a full range of retail and commercial banking services including deposit products, mortgages, small business loans, and wealth management, primarily serving consumers and SMEs in Northern California.
BAND vs TCBK — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $208.8M | $109.4M |
| Net Profit | $4.0M | $33.6M |
| Gross Margin | 37.3% | — |
| Operating Margin | 60.5% | 42.6% |
| Net Margin | 1.9% | 251.6% |
| Revenue YoY | 20.1% | 9.0% |
| Net Profit YoY | 200.0% | 15.8% |
| EPS (diluted) | $-0.08 | $1.02 |
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 | $109.4M | ||
| Q3 25 | $191.9M | $107.6M | ||
| Q2 25 | $180.0M | $103.6M | ||
| Q1 25 | $174.2M | $98.6M | ||
| Q4 24 | $210.0M | $100.4M | ||
| Q3 24 | $193.9M | $99.1M | ||
| Q2 24 | $173.6M | $97.9M |
| Q1 26 | $4.0M | — | ||
| Q4 25 | — | $33.6M | ||
| Q3 25 | $-1.2M | $34.0M | ||
| Q2 25 | $-4.9M | $27.5M | ||
| Q1 25 | $-3.7M | $26.4M | ||
| Q4 24 | — | $29.0M | ||
| Q3 24 | $413.0K | $29.1M | ||
| Q2 24 | $4.1M | $29.0M |
| 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% | 42.6% | ||
| Q3 25 | -1.0% | 43.2% | ||
| Q2 25 | -2.1% | 36.5% | ||
| Q1 25 | -2.7% | 35.8% | ||
| Q4 24 | -1.3% | 38.7% | ||
| Q3 24 | -0.5% | 39.8% | ||
| Q2 24 | -3.5% | 40.0% |
| Q1 26 | 1.9% | — | ||
| Q4 25 | — | 251.6% | ||
| Q3 25 | -0.6% | 31.6% | ||
| Q2 25 | -2.7% | 26.6% | ||
| Q1 25 | -2.1% | 26.7% | ||
| Q4 24 | — | 221.4% | ||
| Q3 24 | 0.2% | 29.3% | ||
| Q2 24 | 2.3% | 29.7% |
| Q1 26 | $-0.08 | — | ||
| Q4 25 | $-0.10 | $1.02 | ||
| Q3 25 | $-0.04 | $1.04 | ||
| Q2 25 | $-0.16 | $0.84 | ||
| Q1 25 | $-0.13 | $0.80 | ||
| Q4 24 | $0.27 | $0.88 | ||
| Q3 24 | $0.01 | $0.88 | ||
| Q2 24 | $-0.17 | $0.87 |
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 | $157.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $405.7M | $1.3B |
| Total Assets | $984.2M | $9.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $47.3M | — | ||
| Q4 25 | $111.3M | $157.0M | ||
| Q3 25 | $80.4M | $298.8M | ||
| Q2 25 | $68.1M | $314.3M | ||
| Q1 25 | $41.7M | $308.3M | ||
| Q4 24 | $83.8M | $145.0M | ||
| Q3 24 | $79.9M | $320.1M | ||
| Q2 24 | $76.4M | $206.6M |
| Q1 26 | $405.7M | — | ||
| Q4 25 | $400.0M | $1.3B | ||
| Q3 25 | $392.7M | $1.3B | ||
| Q2 25 | $384.5M | $1.3B | ||
| Q1 25 | $345.4M | $1.3B | ||
| Q4 24 | $312.5M | $1.2B | ||
| Q3 24 | $336.6M | $1.2B | ||
| Q2 24 | $307.4M | $1.2B |
| Q1 26 | $984.2M | — | ||
| Q4 25 | $1.1B | $9.8B | ||
| Q3 25 | $1.0B | $9.9B | ||
| Q2 25 | $1.0B | $9.9B | ||
| Q1 25 | $964.4M | $9.8B | ||
| Q4 24 | $989.2M | $9.7B | ||
| Q3 24 | $1.0B | $9.8B | ||
| Q2 24 | $1.0B | $9.7B |
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 | — | $133.3M |
| Free Cash FlowOCF − Capex | $-1.0M | $127.9M |
| FCF MarginFCF / Revenue | -0.5% | 116.9% |
| Capex IntensityCapex / Revenue | — | 4.9% |
| Cash ConversionOCF / Net Profit | — | 3.96× |
| TTM Free Cash FlowTrailing 4 quarters | — | $222.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $38.6M | $133.3M | ||
| Q3 25 | $22.2M | $45.1M | ||
| Q2 25 | $31.7M | $29.2M | ||
| Q1 25 | $-3.1M | $24.5M | ||
| Q4 24 | $36.5M | $109.7M | ||
| Q3 24 | $20.5M | $28.6M | ||
| Q2 24 | $24.4M | $31.8M |
| Q1 26 | $-1.0M | — | ||
| Q4 25 | — | $127.9M | ||
| Q3 25 | — | $43.2M | ||
| Q2 25 | — | $28.2M | ||
| Q1 25 | — | $22.8M | ||
| Q4 24 | — | $105.2M | ||
| Q3 24 | — | $27.3M | ||
| Q2 24 | — | $30.8M |
| Q1 26 | -0.5% | — | ||
| Q4 25 | — | 116.9% | ||
| Q3 25 | — | 40.2% | ||
| Q2 25 | — | 27.2% | ||
| Q1 25 | — | 23.1% | ||
| Q4 24 | — | 104.8% | ||
| Q3 24 | — | 27.6% | ||
| Q2 24 | — | 31.5% |
| Q1 26 | — | — | ||
| Q4 25 | — | 4.9% | ||
| Q3 25 | — | 1.7% | ||
| Q2 25 | — | 1.0% | ||
| Q1 25 | — | 1.7% | ||
| Q4 24 | — | 4.5% | ||
| Q3 24 | — | 1.3% | ||
| Q2 24 | — | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.96× | ||
| Q3 25 | — | 1.33× | ||
| Q2 25 | — | 1.06× | ||
| Q1 25 | — | 0.93× | ||
| Q4 24 | — | 3.78× | ||
| Q3 24 | 49.55× | 0.98× | ||
| Q2 24 | 6.03× | 1.10× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
