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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and Ellington Financial Inc. (EFC). Click either name above to swap in a different company.
BYLINE BANCORP, INC. is the larger business by last-quarter revenue ($112.4M vs $78.2M, roughly 1.4× Ellington Financial Inc.). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs 28.9%, a 4.5% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs 8.7%). Over the past eight quarters, BYLINE BANCORP, INC.'s revenue compounded faster (6.4% CAGR vs 1.8%).
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.
Ellington Management Group is an American hedge fund firm. As of June 2019, the firm was reportedly managing $8.5 billion in structured products and other credit instruments.
BY vs EFC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $78.2M |
| Net Profit | $37.6M | $22.6M |
| Gross Margin | — | — |
| Operating Margin | — | 7.4% |
| Net Margin | 33.4% | 28.9% |
| Revenue YoY | 9.0% | 8.7% |
| Net Profit YoY | 33.0% | -26.2% |
| EPS (diluted) | $0.83 | $0.10 |
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 | $78.2M | ||
| Q3 25 | $115.7M | $82.8M | ||
| Q2 25 | $110.5M | $92.5M | ||
| Q1 25 | $103.1M | $82.9M | ||
| Q4 24 | $104.7M | $72.0M | ||
| Q3 24 | $101.8M | $67.0M | ||
| Q2 24 | $99.4M | $91.2M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $22.6M | ||
| Q3 25 | $37.2M | $29.5M | ||
| Q2 25 | $30.1M | $42.9M | ||
| Q1 25 | $28.2M | $31.6M | ||
| Q4 24 | $30.3M | $30.7M | ||
| Q3 24 | $30.3M | $16.2M | ||
| Q2 24 | $29.7M | $52.3M |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 7.4% | ||
| Q3 25 | 43.1% | 31.1% | ||
| Q2 25 | 35.2% | 38.3% | ||
| Q1 25 | 36.4% | 37.3% | ||
| Q4 24 | 38.6% | 28.0% | ||
| Q3 24 | 39.3% | 24.0% | ||
| Q2 24 | 40.4% | 52.8% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 28.9% | ||
| Q3 25 | 32.1% | 35.7% | ||
| Q2 25 | 27.2% | 46.4% | ||
| Q1 25 | 27.4% | 38.2% | ||
| Q4 24 | 34.3% | 42.6% | ||
| Q3 24 | 29.8% | 24.1% | ||
| Q2 24 | 29.9% | 57.4% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.10 | ||
| Q3 25 | $0.82 | $0.29 | ||
| Q2 25 | $0.66 | $0.45 | ||
| Q1 25 | $0.64 | $0.35 | ||
| Q4 24 | $0.68 | $0.23 | ||
| Q3 24 | $0.69 | $0.19 | ||
| Q2 24 | $0.68 | $0.62 |
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 | $201.9M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $1.8B |
| Total Assets | $9.9B | $19.4B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $201.9M | ||
| Q3 25 | $259.0M | $184.8M | ||
| Q2 25 | $218.3M | $211.0M | ||
| Q1 25 | $421.3M | $203.3M | ||
| Q4 24 | $563.1M | $192.4M | ||
| Q3 24 | $452.6M | $217.7M | ||
| Q2 24 | $730.5M | $198.5M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $1.8B | ||
| Q3 25 | $1.2B | $1.8B | ||
| Q2 25 | $1.2B | $1.7B | ||
| Q1 25 | $1.1B | $1.6B | ||
| Q4 24 | $1.1B | $1.6B | ||
| Q3 24 | $1.1B | $1.6B | ||
| Q2 24 | $1.0B | $1.6B |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $19.4B | ||
| Q3 25 | $9.8B | $17.8B | ||
| Q2 25 | $9.7B | $17.1B | ||
| Q1 25 | $9.6B | $16.6B | ||
| Q4 24 | $9.5B | $16.3B | ||
| Q3 24 | $9.4B | $16.0B | ||
| Q2 24 | $9.6B | $15.1B |
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 | — | $-925.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | -40.92× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $-925.5M | ||
| Q3 25 | $38.3M | $-290.4M | ||
| Q2 25 | $16.3M | $-210.5M | ||
| Q1 25 | $27.1M | $-126.4M | ||
| Q4 24 | $175.2M | $-430.5M | ||
| Q3 24 | $19.8M | $-141.7M | ||
| Q2 24 | $40.1M | $-88.6M |
| 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% | 0.0% | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 3.8% | 0.0% | ||
| Q3 24 | 0.6% | 0.0% | ||
| Q2 24 | 0.7% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | -40.92× | ||
| Q3 25 | 1.03× | -9.84× | ||
| Q2 25 | 0.54× | -4.90× | ||
| Q1 25 | 0.96× | -3.99× | ||
| Q4 24 | 5.78× | -14.04× | ||
| Q3 24 | 0.65× | -8.76× | ||
| Q2 24 | 1.35× | -1.69× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
