vs
Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and Citi Trends Inc (CTRN). Click either name above to swap in a different company.
Citi Trends Inc is the larger business by last-quarter revenue ($197.1M vs $112.4M, roughly 1.8× BYLINE BANCORP, INC.). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs -3.5%, a 36.9% gap on every dollar of revenue. On growth, Citi Trends Inc posted the faster year-over-year revenue change (10.1% vs 9.0%). Over the past eight quarters, BYLINE BANCORP, INC.'s revenue compounded faster (6.4% CAGR vs -4.3%).
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.
Citi Trends, Inc. is an American retail clothing chain selling discounted products targeted primarily at African-American customers.
BY vs CTRN — Head-to-Head
Income Statement — Q1 FY2026 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $197.1M |
| Net Profit | $37.6M | $-6.9M |
| Gross Margin | — | — |
| Operating Margin | — | -3.7% |
| Net Margin | 33.4% | -3.5% |
| Revenue YoY | 9.0% | 10.1% |
| Net Profit YoY | 33.0% | 3.6% |
| EPS (diluted) | $0.83 | $-0.86 |
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 | $197.1M | ||
| Q3 25 | $115.7M | $190.8M | ||
| Q2 25 | $110.5M | $201.7M | ||
| Q1 25 | $103.1M | $211.2M | ||
| Q4 24 | $104.7M | $179.1M | ||
| Q3 24 | $101.8M | $176.6M | ||
| Q2 24 | $99.4M | $186.3M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-6.9M | ||
| Q3 25 | $37.2M | $3.8M | ||
| Q2 25 | $30.1M | $871.0K | ||
| Q1 25 | $28.2M | $-14.2M | ||
| Q4 24 | $30.3M | $-7.2M | ||
| Q3 24 | $30.3M | $-18.4M | ||
| Q2 24 | $29.7M | $-3.4M |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | -3.7% | ||
| Q3 25 | 43.1% | 1.8% | ||
| Q2 25 | 35.2% | 0.2% | ||
| Q1 25 | 36.4% | 0.6% | ||
| Q4 24 | 38.6% | -4.9% | ||
| Q3 24 | 39.3% | -14.1% | ||
| Q2 24 | 40.4% | -3.7% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -3.5% | ||
| Q3 25 | 32.1% | 2.0% | ||
| Q2 25 | 27.2% | 0.4% | ||
| Q1 25 | 27.4% | -6.7% | ||
| Q4 24 | 34.3% | -4.0% | ||
| Q3 24 | 29.8% | -10.4% | ||
| Q2 24 | 29.9% | -1.8% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-0.86 | ||
| Q3 25 | $0.82 | $0.46 | ||
| Q2 25 | $0.66 | $0.11 | ||
| Q1 25 | $0.64 | $-1.70 | ||
| Q4 24 | $0.68 | $-0.86 | ||
| Q3 24 | $0.69 | $-2.21 | ||
| Q2 24 | $0.68 | $-0.42 |
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 | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $107.8M |
| Total Assets | $9.9B | $464.3M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | — | ||
| Q3 25 | $259.0M | — | ||
| Q2 25 | $218.3M | — | ||
| Q1 25 | $421.3M | — | ||
| Q4 24 | $563.1M | — | ||
| Q3 24 | $452.6M | — | ||
| Q2 24 | $730.5M | — |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $107.8M | ||
| Q3 25 | $1.2B | $113.2M | ||
| Q2 25 | $1.2B | $108.6M | ||
| Q1 25 | $1.1B | $113.2M | ||
| Q4 24 | $1.1B | $130.3M | ||
| Q3 24 | $1.1B | $136.6M | ||
| Q2 24 | $1.0B | $154.8M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $464.3M | ||
| Q3 25 | $9.8B | $457.4M | ||
| Q2 25 | $9.7B | $437.4M | ||
| Q1 25 | $9.6B | $462.8M | ||
| Q4 24 | $9.5B | $467.1M | ||
| Q3 24 | $9.4B | $506.7M | ||
| Q2 24 | $9.6B | $484.1M |
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 | — | $8.6M |
| Free Cash FlowOCF − Capex | — | $767.0K |
| FCF MarginFCF / Revenue | — | 0.4% |
| Capex IntensityCapex / Revenue | — | 4.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $11.9M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $8.6M | ||
| Q3 25 | $38.3M | $3.9M | ||
| Q2 25 | $16.3M | $-11.0M | ||
| Q1 25 | $27.1M | $28.5M | ||
| Q4 24 | $175.2M | $-18.4M | ||
| Q3 24 | $19.8M | $5.6M | ||
| Q2 24 | $40.1M | $-19.6M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $767.0K | ||
| Q3 25 | $38.0M | $-1.7M | ||
| Q2 25 | $15.2M | $-13.1M | ||
| Q1 25 | $25.0M | $26.0M | ||
| Q4 24 | $171.2M | $-20.4M | ||
| Q3 24 | $19.1M | $1.7M | ||
| Q2 24 | $39.4M | $-21.2M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 0.4% | ||
| Q3 25 | 32.8% | -0.9% | ||
| Q2 25 | 13.7% | -6.5% | ||
| Q1 25 | 24.3% | 12.3% | ||
| Q4 24 | 163.5% | -11.4% | ||
| Q3 24 | 18.8% | 0.9% | ||
| Q2 24 | 39.7% | -11.4% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 4.0% | ||
| Q3 25 | 0.3% | 2.9% | ||
| Q2 25 | 1.0% | 1.0% | ||
| Q1 25 | 2.0% | 1.2% | ||
| Q4 24 | 3.8% | 1.1% | ||
| Q3 24 | 0.6% | 2.2% | ||
| Q2 24 | 0.7% | 0.9% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | 1.01× | ||
| Q2 25 | 0.54× | -12.59× | ||
| 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.
