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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and H2O AMERICA (HTO). Click either name above to swap in a different company.
H2O AMERICA is the larger business by last-quarter revenue ($199.4M vs $112.4M, roughly 1.8× BYLINE BANCORP, INC.). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs 8.1%, a 25.3% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs 1.5%). Over the past eight quarters, H2O AMERICA's revenue compounded faster (15.3% CAGR vs 6.4%).
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.
H2O Wireless is a United States-based prepaid cell phone service, that utilizes the AT&T network. It is a brand of the mobile virtual network operator (MVNO) Locus Telecommunications, a subsidiary of Telrite Holdings, Inc., since 2019. Locus was formerly a subsidiary of KDDI America corporation, starting in 2010. H2O Wireless is primarily advertised as a non-restrictive phone service for customers to bring or buy unlocked smartphones, although AT&T contract/locked phones may be accepted as well.
BY vs HTO — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $199.4M |
| Net Profit | $37.6M | $16.2M |
| Gross Margin | — | — |
| Operating Margin | — | 16.6% |
| Net Margin | 33.4% | 8.1% |
| Revenue YoY | 9.0% | 1.5% |
| Net Profit YoY | 33.0% | -29.2% |
| EPS (diluted) | $0.83 | $0.45 |
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 | $199.4M | ||
| Q3 25 | $115.7M | $243.5M | ||
| Q2 25 | $110.5M | $197.8M | ||
| Q1 25 | $103.1M | $164.9M | ||
| Q4 24 | $104.7M | $196.5M | ||
| Q3 24 | $101.8M | $216.7M | ||
| Q2 24 | $99.4M | $173.1M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $16.2M | ||
| Q3 25 | $37.2M | $45.1M | ||
| Q2 25 | $30.1M | $24.7M | ||
| Q1 25 | $28.2M | $16.6M | ||
| Q4 24 | $30.3M | $22.9M | ||
| Q3 24 | $30.3M | $38.7M | ||
| Q2 24 | $29.7M | $20.7M |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 16.6% | ||
| Q3 25 | 43.1% | 26.5% | ||
| Q2 25 | 35.2% | 22.2% | ||
| Q1 25 | 36.4% | 21.8% | ||
| Q4 24 | 38.6% | 22.2% | ||
| Q3 24 | 39.3% | 26.9% | ||
| Q2 24 | 40.4% | 23.4% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 8.1% | ||
| Q3 25 | 32.1% | 18.5% | ||
| Q2 25 | 27.2% | 12.5% | ||
| Q1 25 | 27.4% | 10.0% | ||
| Q4 24 | 34.3% | 11.7% | ||
| Q3 24 | 29.8% | 17.8% | ||
| Q2 24 | 29.9% | 12.0% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.45 | ||
| Q3 25 | $0.82 | $1.27 | ||
| Q2 25 | $0.66 | $0.71 | ||
| Q1 25 | $0.64 | $0.49 | ||
| Q4 24 | $0.68 | $0.70 | ||
| Q3 24 | $0.69 | $1.17 | ||
| Q2 24 | $0.68 | $0.64 |
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 | $20.7M |
| Total DebtLower is stronger | — | $1.9B |
| Stockholders' EquityBook value | $1.3B | $1.5B |
| Total Assets | $9.9B | $5.1B |
| Debt / EquityLower = less leverage | — | 1.23× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $20.7M | ||
| Q3 25 | $259.0M | $11.3M | ||
| Q2 25 | $218.3M | $19.8M | ||
| Q1 25 | $421.3M | $23.7M | ||
| Q4 24 | $563.1M | $11.1M | ||
| Q3 24 | $452.6M | $4.0M | ||
| Q2 24 | $730.5M | $22.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $1.9B | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.7B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $1.5B | ||
| Q3 25 | $1.2B | $1.5B | ||
| Q2 25 | $1.2B | $1.5B | ||
| Q1 25 | $1.1B | $1.4B | ||
| Q4 24 | $1.1B | $1.4B | ||
| Q3 24 | $1.1B | $1.3B | ||
| Q2 24 | $1.0B | $1.3B |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $5.1B | ||
| Q3 25 | $9.8B | $5.0B | ||
| Q2 25 | $9.7B | $4.8B | ||
| Q1 25 | $9.6B | $4.7B | ||
| Q4 24 | $9.5B | $4.7B | ||
| Q3 24 | $9.4B | $4.6B | ||
| Q2 24 | $9.6B | $4.4B |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.26× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $63.5M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 3.92× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $63.5M | ||
| Q3 25 | $38.3M | $77.3M | ||
| Q2 25 | $16.3M | $60.8M | ||
| Q1 25 | $27.1M | $43.2M | ||
| Q4 24 | $175.2M | $41.5M | ||
| Q3 24 | $19.8M | $53.5M | ||
| Q2 24 | $40.1M | $49.3M |
| 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% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 3.8% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.7% | — |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | 3.92× | ||
| Q3 25 | 1.03× | 1.71× | ||
| Q2 25 | 0.54× | 2.47× | ||
| Q1 25 | 0.96× | 2.61× | ||
| Q4 24 | 5.78× | 1.81× | ||
| Q3 24 | 0.65× | 1.39× | ||
| Q2 24 | 1.35× | 2.38× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BY
Segment breakdown not available.
HTO
| Water Utility Services | $191.0M | 96% |
| Other | $8.4M | 4% |
