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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and CARRIAGE SERVICES INC (CSV). Click either name above to swap in a different company.
BYLINE BANCORP, INC. is the larger business by last-quarter revenue ($112.4M vs $105.5M, roughly 1.1× CARRIAGE SERVICES INC). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs 11.6%, a 21.8% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs 8.0%). Over the past eight quarters, BYLINE BANCORP, INC.'s revenue compounded faster (6.4% CAGR vs 1.0%).
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.
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
BY vs CSV — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $105.5M |
| Net Profit | $37.6M | $12.3M |
| Gross Margin | — | 34.8% |
| Operating Margin | — | 23.3% |
| Net Margin | 33.4% | 11.6% |
| Revenue YoY | 9.0% | 8.0% |
| Net Profit YoY | 33.0% | 24.5% |
| EPS (diluted) | $0.83 | $0.76 |
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 | $117.0M | $105.5M | ||
| Q3 25 | $115.7M | $102.7M | ||
| Q2 25 | $110.5M | $102.1M | ||
| Q1 25 | $103.1M | $107.1M | ||
| Q4 24 | $104.7M | $97.7M | ||
| Q3 24 | $101.8M | $100.7M | ||
| Q2 24 | $99.4M | $102.3M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $12.3M | ||
| Q3 25 | $37.2M | $6.6M | ||
| Q2 25 | $30.1M | $11.7M | ||
| Q1 25 | $28.2M | $20.9M | ||
| Q4 24 | $30.3M | $9.9M | ||
| Q3 24 | $30.3M | $9.9M | ||
| Q2 24 | $29.7M | $6.3M |
| Q1 26 | — | — | ||
| Q4 25 | — | 34.8% | ||
| Q3 25 | — | 35.3% | ||
| Q2 25 | — | 35.2% | ||
| Q1 25 | — | 35.3% | ||
| Q4 24 | — | 34.4% | ||
| Q3 24 | — | 35.2% | ||
| Q2 24 | — | 36.2% |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 23.3% | ||
| Q3 25 | 43.1% | 17.0% | ||
| Q2 25 | 35.2% | 23.5% | ||
| Q1 25 | 36.4% | 29.5% | ||
| Q4 24 | 38.6% | 21.6% | ||
| Q3 24 | 39.3% | 22.7% | ||
| Q2 24 | 40.4% | 18.0% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 11.6% | ||
| Q3 25 | 32.1% | 6.4% | ||
| Q2 25 | 27.2% | 11.5% | ||
| Q1 25 | 27.4% | 19.5% | ||
| Q4 24 | 34.3% | 10.1% | ||
| Q3 24 | 29.8% | 9.8% | ||
| Q2 24 | 29.9% | 6.1% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.76 | ||
| Q3 25 | $0.82 | $0.41 | ||
| Q2 25 | $0.66 | $0.74 | ||
| Q1 25 | $0.64 | $1.34 | ||
| Q4 24 | $0.68 | $0.62 | ||
| Q3 24 | $0.69 | $0.63 | ||
| Q2 24 | $0.68 | $0.40 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $198.4M | $1.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $254.8M |
| Total Assets | $9.9B | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $1.7M | ||
| Q3 25 | $259.0M | $1.2M | ||
| Q2 25 | $218.3M | $1.4M | ||
| Q1 25 | $421.3M | $4.6M | ||
| Q4 24 | $563.1M | $1.2M | ||
| Q3 24 | $452.6M | $1.3M | ||
| Q2 24 | $730.5M | $1.5M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $254.8M | ||
| Q3 25 | $1.2B | $242.1M | ||
| Q2 25 | $1.2B | $235.4M | ||
| Q1 25 | $1.1B | $223.1M | ||
| Q4 24 | $1.1B | $208.6M | ||
| Q3 24 | $1.1B | $198.1M | ||
| Q2 24 | $1.0B | $187.9M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $1.3B | ||
| Q3 25 | $9.8B | $1.3B | ||
| Q2 25 | $9.7B | $1.3B | ||
| Q1 25 | $9.6B | $1.3B | ||
| Q4 24 | $9.5B | $1.3B | ||
| Q3 24 | $9.4B | $1.3B | ||
| Q2 24 | $9.6B | $1.3B |
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 | — | $14.1M |
| Free Cash FlowOCF − Capex | — | $6.2M |
| FCF MarginFCF / Revenue | — | 5.9% |
| Capex IntensityCapex / Revenue | — | 7.5% |
| Cash ConversionOCF / Net Profit | — | 1.15× |
| TTM Free Cash FlowTrailing 4 quarters | — | $40.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $14.1M | ||
| Q3 25 | $38.3M | $24.7M | ||
| Q2 25 | $16.3M | $8.1M | ||
| Q1 25 | $27.1M | $13.8M | ||
| Q4 24 | $175.2M | $9.3M | ||
| Q3 24 | $19.8M | $20.9M | ||
| Q2 24 | $40.1M | $2.2M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $6.2M | ||
| Q3 25 | $38.0M | $18.0M | ||
| Q2 25 | $15.2M | $5.2M | ||
| Q1 25 | $25.0M | $10.6M | ||
| Q4 24 | $171.2M | $4.9M | ||
| Q3 24 | $19.1M | $16.2M | ||
| Q2 24 | $39.4M | $-1.4M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 5.9% | ||
| Q3 25 | 32.8% | 17.5% | ||
| Q2 25 | 13.7% | 5.1% | ||
| Q1 25 | 24.3% | 9.9% | ||
| Q4 24 | 163.5% | 5.0% | ||
| Q3 24 | 18.8% | 16.1% | ||
| Q2 24 | 39.7% | -1.4% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 7.5% | ||
| Q3 25 | 0.3% | 6.5% | ||
| Q2 25 | 1.0% | 2.8% | ||
| Q1 25 | 2.0% | 3.0% | ||
| Q4 24 | 3.8% | 4.5% | ||
| Q3 24 | 0.6% | 4.6% | ||
| Q2 24 | 0.7% | 3.5% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | 1.15× | ||
| Q3 25 | 1.03× | 3.76× | ||
| Q2 25 | 0.54× | 0.69× | ||
| Q1 25 | 0.96× | 0.66× | ||
| Q4 24 | 5.78× | 0.94× | ||
| Q3 24 | 0.65× | 2.11× | ||
| Q2 24 | 1.35× | 0.34× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BY
Segment breakdown not available.
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
