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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and PAMT CORP (PAMT). Click either name above to swap in a different company.
PAMT CORP is the larger business by last-quarter revenue ($141.3M vs $112.4M, roughly 1.3× BYLINE BANCORP, INC.). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs -20.7%, a 54.1% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs -15.1%). Over the past eight quarters, BYLINE BANCORP, INC.'s revenue compounded faster (6.4% CAGR vs -12.0%).
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.
BY vs PAMT — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $141.3M |
| Net Profit | $37.6M | $-29.3M |
| Gross Margin | — | — |
| Operating Margin | — | -27.0% |
| Net Margin | 33.4% | -20.7% |
| Revenue YoY | 9.0% | -15.1% |
| Net Profit YoY | 33.0% | 7.4% |
| EPS (diluted) | $0.83 | $-1.38 |
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 | $141.3M | ||
| Q3 25 | $115.7M | $150.3M | ||
| Q2 25 | $110.5M | $151.1M | ||
| Q1 25 | $103.1M | $155.3M | ||
| Q4 24 | $104.7M | $166.5M | ||
| Q3 24 | $101.8M | $182.6M | ||
| Q2 24 | $99.4M | $182.9M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-29.3M | ||
| Q3 25 | $37.2M | $-5.6M | ||
| Q2 25 | $30.1M | $-9.6M | ||
| Q1 25 | $28.2M | $-8.1M | ||
| Q4 24 | $30.3M | $-31.6M | ||
| Q3 24 | $30.3M | $2.4M | ||
| Q2 24 | $29.7M | $-2.9M |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | -27.0% | ||
| Q3 25 | 43.1% | -3.8% | ||
| Q2 25 | 35.2% | -7.3% | ||
| Q1 25 | 36.4% | -5.9% | ||
| Q4 24 | 38.6% | -22.6% | ||
| Q3 24 | 39.3% | 1.3% | ||
| Q2 24 | 40.4% | -0.4% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -20.7% | ||
| Q3 25 | 32.1% | -3.7% | ||
| Q2 25 | 27.2% | -6.4% | ||
| Q1 25 | 27.4% | -5.2% | ||
| Q4 24 | 34.3% | -19.0% | ||
| Q3 24 | 29.8% | 1.3% | ||
| Q2 24 | 29.9% | -1.6% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-1.38 | ||
| Q3 25 | $0.82 | $-0.27 | ||
| Q2 25 | $0.66 | $-0.46 | ||
| Q1 25 | $0.64 | $-0.37 | ||
| Q4 24 | $0.68 | $-1.44 | ||
| Q3 24 | $0.69 | $0.11 | ||
| Q2 24 | $0.68 | $-0.13 |
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 | $83.7M |
| Total DebtLower is stronger | — | $333.9M |
| Stockholders' EquityBook value | $1.3B | $210.5M |
| Total Assets | $9.9B | $697.9M |
| Debt / EquityLower = less leverage | — | 1.59× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $83.7M | ||
| Q3 25 | $259.0M | $115.6M | ||
| Q2 25 | $218.3M | $117.3M | ||
| Q1 25 | $421.3M | $102.7M | ||
| Q4 24 | $563.1M | $110.7M | ||
| Q3 24 | $452.6M | $92.3M | ||
| Q2 24 | $730.5M | $114.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | $333.9M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $325.6M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $210.5M | ||
| Q3 25 | $1.2B | $239.5M | ||
| Q2 25 | $1.2B | $244.9M | ||
| Q1 25 | $1.1B | $269.6M | ||
| Q4 24 | $1.1B | $277.5M | ||
| Q3 24 | $1.1B | $308.9M | ||
| Q2 24 | $1.0B | $306.7M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $697.9M | ||
| Q3 25 | $9.8B | $715.2M | ||
| Q2 25 | $9.7B | $707.9M | ||
| Q1 25 | $9.6B | $712.6M | ||
| Q4 24 | $9.5B | $741.7M | ||
| Q3 24 | $9.4B | $756.7M | ||
| Q2 24 | $9.6B | $733.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | 1.59× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 1.17× | ||
| 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 | — | $-5.8M |
| Free Cash FlowOCF − Capex | — | $-25.0M |
| FCF MarginFCF / Revenue | — | -17.7% |
| Capex IntensityCapex / Revenue | — | 13.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-23.4M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $-5.8M | ||
| Q3 25 | $38.3M | $5.9M | ||
| Q2 25 | $16.3M | $12.2M | ||
| Q1 25 | $27.1M | $5.0M | ||
| Q4 24 | $175.2M | $15.2M | ||
| Q3 24 | $19.8M | $15.5M | ||
| Q2 24 | $40.1M | $18.7M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $-25.0M | ||
| Q3 25 | $38.0M | $2.5M | ||
| Q2 25 | $15.2M | $5.9M | ||
| Q1 25 | $25.0M | $-6.8M | ||
| Q4 24 | $171.2M | $-39.9M | ||
| Q3 24 | $19.1M | $-33.6M | ||
| Q2 24 | $39.4M | $4.1M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | -17.7% | ||
| Q3 25 | 32.8% | 1.7% | ||
| Q2 25 | 13.7% | 3.9% | ||
| Q1 25 | 24.3% | -4.4% | ||
| Q4 24 | 163.5% | -24.0% | ||
| Q3 24 | 18.8% | -18.4% | ||
| Q2 24 | 39.7% | 2.2% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 13.6% | ||
| Q3 25 | 0.3% | 2.3% | ||
| Q2 25 | 1.0% | 4.2% | ||
| Q1 25 | 2.0% | 7.6% | ||
| Q4 24 | 3.8% | 33.1% | ||
| Q3 24 | 0.6% | 26.9% | ||
| Q2 24 | 0.7% | 8.0% |
| 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× | 6.44× | ||
| 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.
PAMT
| Freight Transportation Service | $123.1M | 87% |
| Fuel Surcharge | $18.2M | 13% |
