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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and NACCO INDUSTRIES INC (NC). Click either name above to swap in a different company.
BYLINE BANCORP, INC. is the larger business by last-quarter revenue ($112.4M vs $66.8M, roughly 1.7× NACCO INDUSTRIES INC). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs -5.8%, a 39.2% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs -5.2%). Over the past eight quarters, NACCO INDUSTRIES INC's revenue compounded faster (11.9% 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.
NACCO Industries, Inc. is an American publicly traded holding company, headquartered in Cleveland, Ohio. Through a portfolio of mining and natural resources businesses, the company operates under three business segments: Coal Mining, North American Mining, and Minerals Management. The Coal Mining segment operates surface coal mines under long-term contracts with power generation companies and an activated carbon producer pursuant to a service-based business model. The North American Mining se...
BY vs NC — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $66.8M |
| Net Profit | $37.6M | $-3.8M |
| Gross Margin | — | 18.0% |
| Operating Margin | — | 11.3% |
| Net Margin | 33.4% | -5.8% |
| Revenue YoY | 9.0% | -5.2% |
| Net Profit YoY | 33.0% | -150.8% |
| EPS (diluted) | $0.83 | $-0.53 |
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 | $66.8M | ||
| Q3 25 | $115.7M | $76.6M | ||
| Q2 25 | $110.5M | $68.2M | ||
| Q1 25 | $103.1M | $65.6M | ||
| Q4 24 | $104.7M | $70.4M | ||
| Q3 24 | $101.8M | $61.7M | ||
| Q2 24 | $99.4M | $52.3M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-3.8M | ||
| Q3 25 | $37.2M | $13.3M | ||
| Q2 25 | $30.1M | $3.3M | ||
| Q1 25 | $28.2M | $4.9M | ||
| Q4 24 | $30.3M | $7.6M | ||
| Q3 24 | $30.3M | $15.6M | ||
| Q2 24 | $29.7M | $6.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 18.0% | ||
| Q3 25 | — | 13.0% | ||
| Q2 25 | — | 10.0% | ||
| Q1 25 | — | 14.7% | ||
| Q4 24 | — | 12.0% | ||
| Q3 24 | — | 11.7% | ||
| Q2 24 | — | 13.4% |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 11.3% | ||
| Q3 25 | 43.1% | 8.8% | ||
| Q2 25 | 35.2% | -0.1% | ||
| Q1 25 | 36.4% | 11.7% | ||
| Q4 24 | 38.6% | 5.5% | ||
| Q3 24 | 39.3% | 31.9% | ||
| Q2 24 | 40.4% | 14.1% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -5.8% | ||
| Q3 25 | 32.1% | 17.3% | ||
| Q2 25 | 27.2% | 4.8% | ||
| Q1 25 | 27.4% | 7.5% | ||
| Q4 24 | 34.3% | 10.7% | ||
| Q3 24 | 29.8% | 25.4% | ||
| Q2 24 | 29.9% | 11.4% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-0.53 | ||
| Q3 25 | $0.82 | $1.78 | ||
| Q2 25 | $0.66 | $0.44 | ||
| Q1 25 | $0.64 | $0.66 | ||
| Q4 24 | $0.68 | $0.99 | ||
| Q3 24 | $0.69 | $2.14 | ||
| Q2 24 | $0.68 | $0.81 |
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 | $49.7M |
| Total DebtLower is stronger | — | $100.8M |
| Stockholders' EquityBook value | $1.3B | $429.2M |
| Total Assets | $9.9B | $661.2M |
| Debt / EquityLower = less leverage | — | 0.23× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $49.7M | ||
| Q3 25 | $259.0M | $52.7M | ||
| Q2 25 | $218.3M | $49.4M | ||
| Q1 25 | $421.3M | $61.9M | ||
| Q4 24 | $563.1M | $72.8M | ||
| Q3 24 | $452.6M | $63.1M | ||
| Q2 24 | $730.5M | $62.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | $100.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $99.4M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | $29.0M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $429.2M | ||
| Q3 25 | $1.2B | $426.4M | ||
| Q2 25 | $1.2B | $413.1M | ||
| Q1 25 | $1.1B | $409.1M | ||
| Q4 24 | $1.1B | $404.9M | ||
| Q3 24 | $1.1B | $397.3M | ||
| Q2 24 | $1.0B | $384.1M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $661.2M | ||
| Q3 25 | $9.8B | $637.6M | ||
| Q2 25 | $9.7B | $631.3M | ||
| Q1 25 | $9.6B | $634.2M | ||
| Q4 24 | $9.5B | $631.7M | ||
| Q3 24 | $9.4B | $597.4M | ||
| Q2 24 | $9.6B | $560.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.23× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.25× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | 0.08× |
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 | — | $11.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $11.4M | ||
| Q3 25 | $38.3M | $42.3M | ||
| Q2 25 | $16.3M | $-7.8M | ||
| Q1 25 | $27.1M | $5.0M | ||
| Q4 24 | $175.2M | $25.2M | ||
| Q3 24 | $19.8M | $2.8M | ||
| Q2 24 | $40.1M | $4.1M |
| 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× | — | ||
| Q3 25 | 1.03× | 3.19× | ||
| Q2 25 | 0.54× | -2.39× | ||
| Q1 25 | 0.96× | 1.03× | ||
| Q4 24 | 5.78× | 3.33× | ||
| Q3 24 | 0.65× | 0.18× | ||
| Q2 24 | 1.35× | 0.68× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BY
Segment breakdown not available.
NC
| Transferred Over Time | $42.7M | 64% |
| Transferred At Point In Time | $24.1M | 36% |
