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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and TRICO BANCSHARES (TCBK). Click either name above to swap in a different company.
BYLINE BANCORP, INC. is the larger business by last-quarter revenue ($112.4M vs $109.4M, roughly 1.0× TRICO BANCSHARES ). TRICO BANCSHARES runs the higher net margin — 251.6% vs 33.4%, a 218.2% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs 9.0%). Over the past eight quarters, BYLINE BANCORP, INC.'s revenue compounded faster (6.4% CAGR vs 5.4%).
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.
Trico Bancshares is a U.S.-headquartered regional bank holding company operating Tri Counties Bank. It offers a full range of retail and commercial banking services including deposit products, mortgages, small business loans, and wealth management, primarily serving consumers and SMEs in Northern California.
BY vs TCBK — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $109.4M |
| Net Profit | $37.6M | $33.6M |
| Gross Margin | — | — |
| Operating Margin | — | 42.6% |
| Net Margin | 33.4% | 251.6% |
| Revenue YoY | 9.0% | 9.0% |
| Net Profit YoY | 33.0% | 15.8% |
| EPS (diluted) | $0.83 | $1.02 |
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 | $109.4M | ||
| Q3 25 | $115.7M | $107.6M | ||
| Q2 25 | $110.5M | $103.6M | ||
| Q1 25 | $103.1M | $98.6M | ||
| Q4 24 | $104.7M | $100.4M | ||
| Q3 24 | $101.8M | $99.1M | ||
| Q2 24 | $99.4M | $97.9M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $33.6M | ||
| Q3 25 | $37.2M | $34.0M | ||
| Q2 25 | $30.1M | $27.5M | ||
| Q1 25 | $28.2M | $26.4M | ||
| Q4 24 | $30.3M | $29.0M | ||
| Q3 24 | $30.3M | $29.1M | ||
| Q2 24 | $29.7M | $29.0M |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 42.6% | ||
| Q3 25 | 43.1% | 43.2% | ||
| Q2 25 | 35.2% | 36.5% | ||
| Q1 25 | 36.4% | 35.8% | ||
| Q4 24 | 38.6% | 38.7% | ||
| Q3 24 | 39.3% | 39.8% | ||
| Q2 24 | 40.4% | 40.0% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 251.6% | ||
| Q3 25 | 32.1% | 31.6% | ||
| Q2 25 | 27.2% | 26.6% | ||
| Q1 25 | 27.4% | 26.7% | ||
| Q4 24 | 34.3% | 221.4% | ||
| Q3 24 | 29.8% | 29.3% | ||
| Q2 24 | 29.9% | 29.7% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $1.02 | ||
| Q3 25 | $0.82 | $1.04 | ||
| Q2 25 | $0.66 | $0.84 | ||
| Q1 25 | $0.64 | $0.80 | ||
| Q4 24 | $0.68 | $0.88 | ||
| Q3 24 | $0.69 | $0.88 | ||
| Q2 24 | $0.68 | $0.87 |
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 | $157.0M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $1.3B |
| Total Assets | $9.9B | $9.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $157.0M | ||
| Q3 25 | $259.0M | $298.8M | ||
| Q2 25 | $218.3M | $314.3M | ||
| Q1 25 | $421.3M | $308.3M | ||
| Q4 24 | $563.1M | $145.0M | ||
| Q3 24 | $452.6M | $320.1M | ||
| Q2 24 | $730.5M | $206.6M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $1.3B | ||
| Q3 25 | $1.2B | $1.3B | ||
| Q2 25 | $1.2B | $1.3B | ||
| Q1 25 | $1.1B | $1.3B | ||
| Q4 24 | $1.1B | $1.2B | ||
| Q3 24 | $1.1B | $1.2B | ||
| Q2 24 | $1.0B | $1.2B |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $9.8B | ||
| Q3 25 | $9.8B | $9.9B | ||
| Q2 25 | $9.7B | $9.9B | ||
| Q1 25 | $9.6B | $9.8B | ||
| Q4 24 | $9.5B | $9.7B | ||
| Q3 24 | $9.4B | $9.8B | ||
| Q2 24 | $9.6B | $9.7B |
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 | — | $133.3M |
| Free Cash FlowOCF − Capex | — | $127.9M |
| FCF MarginFCF / Revenue | — | 116.9% |
| Capex IntensityCapex / Revenue | — | 4.9% |
| Cash ConversionOCF / Net Profit | — | 3.96× |
| TTM Free Cash FlowTrailing 4 quarters | — | $222.2M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $133.3M | ||
| Q3 25 | $38.3M | $45.1M | ||
| Q2 25 | $16.3M | $29.2M | ||
| Q1 25 | $27.1M | $24.5M | ||
| Q4 24 | $175.2M | $109.7M | ||
| Q3 24 | $19.8M | $28.6M | ||
| Q2 24 | $40.1M | $31.8M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $127.9M | ||
| Q3 25 | $38.0M | $43.2M | ||
| Q2 25 | $15.2M | $28.2M | ||
| Q1 25 | $25.0M | $22.8M | ||
| Q4 24 | $171.2M | $105.2M | ||
| Q3 24 | $19.1M | $27.3M | ||
| Q2 24 | $39.4M | $30.8M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 116.9% | ||
| Q3 25 | 32.8% | 40.2% | ||
| Q2 25 | 13.7% | 27.2% | ||
| Q1 25 | 24.3% | 23.1% | ||
| Q4 24 | 163.5% | 104.8% | ||
| Q3 24 | 18.8% | 27.6% | ||
| Q2 24 | 39.7% | 31.5% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 4.9% | ||
| Q3 25 | 0.3% | 1.7% | ||
| Q2 25 | 1.0% | 1.0% | ||
| Q1 25 | 2.0% | 1.7% | ||
| Q4 24 | 3.8% | 4.5% | ||
| Q3 24 | 0.6% | 1.3% | ||
| Q2 24 | 0.7% | 1.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | 3.96× | ||
| Q3 25 | 1.03× | 1.33× | ||
| Q2 25 | 0.54× | 1.06× | ||
| Q1 25 | 0.96× | 0.93× | ||
| Q4 24 | 5.78× | 3.78× | ||
| Q3 24 | 0.65× | 0.98× | ||
| Q2 24 | 1.35× | 1.10× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
