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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and TSS, Inc. (TSSI). Click either name above to swap in a different company.
BYLINE BANCORP, INC. is the larger business by last-quarter revenue ($112.4M vs $60.9M, roughly 1.8× TSS, Inc.). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs 20.0%, a 13.5% gap on every dollar of revenue. On growth, TSS, Inc. posted the faster year-over-year revenue change (21.8% vs 9.0%). Over the past eight quarters, TSS, Inc.'s revenue compounded faster (95.8% 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.
BY vs TSSI — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $60.9M |
| Net Profit | $37.6M | $12.2M |
| Gross Margin | — | 17.6% |
| Operating Margin | — | 1.5% |
| Net Margin | 33.4% | 20.0% |
| Revenue YoY | 9.0% | 21.8% |
| Net Profit YoY | 33.0% | 535.7% |
| EPS (diluted) | $0.83 | $0.44 |
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 | $60.9M | ||
| Q3 25 | $115.7M | $41.9M | ||
| Q2 25 | $110.5M | $44.0M | ||
| Q1 25 | $103.1M | $99.0M | ||
| Q4 24 | $104.7M | $50.0M | ||
| Q3 24 | $101.8M | $70.1M | ||
| Q2 24 | $99.4M | $12.2M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $12.2M | ||
| Q3 25 | $37.2M | $-1.5M | ||
| Q2 25 | $30.1M | $1.5M | ||
| Q1 25 | $28.2M | $3.0M | ||
| Q4 24 | $30.3M | $1.9M | ||
| Q3 24 | $30.3M | $2.6M | ||
| Q2 24 | $29.7M | $1.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 17.6% | ||
| Q3 25 | — | 11.1% | ||
| Q2 25 | — | 17.8% | ||
| Q1 25 | — | 9.3% | ||
| Q4 24 | — | 14.4% | ||
| Q3 24 | — | 11.3% | ||
| Q2 24 | — | 37.3% |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 1.5% | ||
| Q3 25 | 43.1% | -2.2% | ||
| Q2 25 | 35.2% | 5.1% | ||
| Q1 25 | 36.4% | 4.2% | ||
| Q4 24 | 38.6% | 0.0% | ||
| Q3 24 | 39.3% | 5.4% | ||
| Q2 24 | 40.4% | 14.0% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 20.0% | ||
| Q3 25 | 32.1% | -3.6% | ||
| Q2 25 | 27.2% | 3.4% | ||
| Q1 25 | 27.4% | 3.0% | ||
| Q4 24 | 34.3% | 3.8% | ||
| Q3 24 | 29.8% | 3.8% | ||
| Q2 24 | 29.9% | 11.5% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.44 | ||
| Q3 25 | $0.82 | $-0.06 | ||
| Q2 25 | $0.66 | $0.06 | ||
| Q1 25 | $0.64 | $0.12 | ||
| Q4 24 | $0.68 | $0.08 | ||
| Q3 24 | $0.69 | $0.10 | ||
| Q2 24 | $0.68 | $0.06 |
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 | $85.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.3B | $76.6M |
| Total Assets | $9.9B | $184.9M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $85.5M | ||
| Q3 25 | $259.0M | $70.7M | ||
| Q2 25 | $218.3M | — | ||
| Q1 25 | $421.3M | — | ||
| Q4 24 | $563.1M | $23.2M | ||
| Q3 24 | $452.6M | $46.4M | ||
| Q2 24 | $730.5M | $8.3M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $76.6M | ||
| Q3 25 | $1.2B | $63.4M | ||
| Q2 25 | $1.2B | $9.5M | ||
| Q1 25 | $1.1B | $9.4M | ||
| Q4 24 | $1.1B | $7.1M | ||
| Q3 24 | $1.1B | $7.7M | ||
| Q2 24 | $1.0B | $5.2M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $184.9M | ||
| Q3 25 | $9.8B | $165.4M | ||
| Q2 25 | $9.7B | $139.5M | ||
| Q1 25 | $9.6B | $113.5M | ||
| Q4 24 | $9.5B | $96.6M | ||
| Q3 24 | $9.4B | $67.3M | ||
| Q2 24 | $9.6B | $28.9M |
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 | — | $16.3M |
| Free Cash FlowOCF − Capex | — | $15.8M |
| FCF MarginFCF / Revenue | — | 25.9% |
| Capex IntensityCapex / Revenue | — | 0.9% |
| Cash ConversionOCF / Net Profit | — | 1.34× |
| TTM Free Cash FlowTrailing 4 quarters | — | $2.1M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $16.3M | ||
| Q3 25 | $38.3M | $-18.4M | ||
| Q2 25 | $16.3M | $16.3M | ||
| Q1 25 | $27.1M | $20.6M | ||
| Q4 24 | $175.2M | $-21.6M | ||
| Q3 24 | $19.8M | $38.6M | ||
| Q2 24 | $40.1M | $-4.3M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $15.8M | ||
| Q3 25 | $38.0M | $-24.9M | ||
| Q2 25 | $15.2M | $5.4M | ||
| Q1 25 | $25.0M | $5.8M | ||
| Q4 24 | $171.2M | $-28.4M | ||
| Q3 24 | $19.1M | $38.6M | ||
| Q2 24 | $39.4M | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 25.9% | ||
| Q3 25 | 32.8% | -59.3% | ||
| Q2 25 | 13.7% | 12.3% | ||
| Q1 25 | 24.3% | 5.8% | ||
| Q4 24 | 163.5% | -56.7% | ||
| Q3 24 | 18.8% | 55.1% | ||
| Q2 24 | 39.7% | -49.4% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 0.9% | ||
| Q3 25 | 0.3% | 15.3% | ||
| Q2 25 | 1.0% | 24.8% | ||
| Q1 25 | 2.0% | 15.0% | ||
| Q4 24 | 3.8% | 13.4% | ||
| Q3 24 | 0.6% | 0.1% | ||
| Q2 24 | 0.7% | 13.8% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | 1.34× | ||
| Q3 25 | 1.03× | — | ||
| Q2 25 | 0.54× | 11.02× | ||
| Q1 25 | 0.96× | 6.93× | ||
| Q4 24 | 5.78× | -11.32× | ||
| Q3 24 | 0.65× | 14.60× | ||
| Q2 24 | 1.35× | -3.09× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BY
Segment breakdown not available.
TSSI
| Procurement Revenues Segment | $43.2M | 71% |
| System Integration Services Segment | $14.2M | 23% |
| Facilities Segment | $3.5M | 6% |
