vs
Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and iQSTEL Inc (IQST). Click either name above to swap in a different company.
BYLINE BANCORP, INC. is the larger business by last-quarter revenue ($112.4M vs $84.2M, roughly 1.3× iQSTEL Inc). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs -3.2%, a 36.6% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs -14.9%). Over the past eight quarters, iQSTEL Inc's revenue compounded faster (28.0% 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.
iQSTEL Inc is a technology holding company operating three core segments: telecommunications, Internet of Things (IoT), and fintech. It offers connectivity services, smart IoT monitoring solutions, and digital financial tools, mainly serving small and medium-sized enterprises and retail customers in North and South American markets.
BY vs IQST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $84.2M |
| Net Profit | $37.6M | $-2.7M |
| Gross Margin | — | 3.5% |
| Operating Margin | — | -2.9% |
| Net Margin | 33.4% | -3.2% |
| Revenue YoY | 9.0% | -14.9% |
| Net Profit YoY | 33.0% | -44.5% |
| EPS (diluted) | $0.83 | $-0.92 |
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 | $84.2M | ||
| Q3 25 | $115.7M | $102.9M | ||
| Q2 25 | $110.5M | $72.2M | ||
| Q1 25 | $103.1M | $57.6M | ||
| Q4 24 | $104.7M | $98.9M | ||
| Q3 24 | $101.8M | $54.2M | ||
| Q2 24 | $99.4M | $78.6M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-2.7M | ||
| Q3 25 | $37.2M | $-2.3M | ||
| Q2 25 | $30.1M | $-2.3M | ||
| Q1 25 | $28.2M | $-1.1M | ||
| Q4 24 | $30.3M | $-1.9M | ||
| Q3 24 | $30.3M | $-773.0K | ||
| Q2 24 | $29.7M | $-2.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 3.5% | ||
| Q3 25 | — | 2.7% | ||
| Q2 25 | — | 2.6% | ||
| Q1 25 | — | 3.4% | ||
| Q4 24 | — | 2.7% | ||
| Q3 24 | — | 3.7% | ||
| Q2 24 | — | 2.8% |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | -2.9% | ||
| Q3 25 | 43.1% | -0.5% | ||
| Q2 25 | 35.2% | -0.9% | ||
| Q1 25 | 36.4% | -1.0% | ||
| Q4 24 | 38.6% | -0.3% | ||
| Q3 24 | 39.3% | -0.1% | ||
| Q2 24 | 40.4% | -0.4% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -3.2% | ||
| Q3 25 | 32.1% | -2.3% | ||
| Q2 25 | 27.2% | -3.3% | ||
| Q1 25 | 27.4% | -2.0% | ||
| Q4 24 | 34.3% | -1.9% | ||
| Q3 24 | 29.8% | -1.4% | ||
| Q2 24 | 29.9% | -2.5% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-0.92 | ||
| Q3 25 | $0.82 | $-0.68 | ||
| Q2 25 | $0.66 | $-0.82 | ||
| Q1 25 | $0.64 | $-0.44 | ||
| Q4 24 | $0.68 | $-1.19 | ||
| Q3 24 | $0.69 | $-0.40 | ||
| Q2 24 | $0.68 | $-0.90 |
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 | $2.2M |
| Total DebtLower is stronger | — | $4.1M |
| Stockholders' EquityBook value | $1.3B | $16.3M |
| Total Assets | $9.9B | $51.1M |
| Debt / EquityLower = less leverage | — | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $2.2M | ||
| Q3 25 | $259.0M | $2.3M | ||
| Q2 25 | $218.3M | $2.0M | ||
| Q1 25 | $421.3M | $1.1M | ||
| Q4 24 | $563.1M | $2.5M | ||
| Q3 24 | $452.6M | $2.1M | ||
| Q2 24 | $730.5M | $797.2K |
| Q1 26 | — | — | ||
| Q4 25 | — | $4.1M | ||
| Q3 25 | — | $2.7M | ||
| Q2 25 | — | $4.5M | ||
| Q1 25 | — | $3.5M | ||
| Q4 24 | — | $2.5M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | — | $2.5M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $16.3M | ||
| Q3 25 | $1.2B | $17.9M | ||
| Q2 25 | $1.2B | $14.3M | ||
| Q1 25 | $1.1B | $11.6M | ||
| Q4 24 | $1.1B | $11.9M | ||
| Q3 24 | $1.1B | $8.1M | ||
| Q2 24 | $1.0B | $7.6M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $51.1M | ||
| Q3 25 | $9.8B | $46.9M | ||
| Q2 25 | $9.7B | $51.4M | ||
| Q1 25 | $9.6B | $42.0M | ||
| Q4 24 | $9.5B | $79.0M | ||
| Q3 24 | $9.4B | $32.4M | ||
| Q2 24 | $9.6B | $30.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.31× | ||
| Q1 25 | — | 0.31× | ||
| Q4 24 | — | 0.21× | ||
| Q3 24 | — | 0.40× | ||
| Q2 24 | — | 0.34× |
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 | — | $-1.2M |
| Free Cash FlowOCF − Capex | — | $-1.2M |
| FCF MarginFCF / Revenue | — | -1.5% |
| Capex IntensityCapex / Revenue | — | 0.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-4.0M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $-1.2M | ||
| Q3 25 | $38.3M | $-953.0K | ||
| Q2 25 | $16.3M | $257.7K | ||
| Q1 25 | $27.1M | $-1.9M | ||
| Q4 24 | $175.2M | $-403.7K | ||
| Q3 24 | $19.8M | $625.0K | ||
| Q2 24 | $40.1M | $-2.6M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $-1.2M | ||
| Q3 25 | $38.0M | $-969.2K | ||
| Q2 25 | $15.2M | $211.7K | ||
| Q1 25 | $25.0M | $-2.0M | ||
| Q4 24 | $171.2M | $-421.3K | ||
| Q3 24 | $19.1M | $594.5K | ||
| Q2 24 | $39.4M | $-2.6M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | -1.5% | ||
| Q3 25 | 32.8% | -0.9% | ||
| Q2 25 | 13.7% | 0.3% | ||
| Q1 25 | 24.3% | -3.4% | ||
| Q4 24 | 163.5% | -0.4% | ||
| Q3 24 | 18.8% | 1.1% | ||
| Q2 24 | 39.7% | -3.4% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 0.0% | ||
| Q3 25 | 0.3% | 0.0% | ||
| Q2 25 | 1.0% | 0.1% | ||
| Q1 25 | 2.0% | 0.1% | ||
| Q4 24 | 3.8% | 0.0% | ||
| Q3 24 | 0.6% | 0.1% | ||
| Q2 24 | 0.7% | 0.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | — | ||
| Q2 25 | 0.54× | — | ||
| 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.
Revenue Breakdown by Segment
BY
Segment breakdown not available.
IQST
| USA | $53.2M | 63% |
| Other | $29.9M | 35% |
| Switzerland | $1.1M | 1% |
