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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and TWIN DISC INC (TWIN). Click either name above to swap in a different company.
BYLINE BANCORP, INC. is the larger business by last-quarter revenue ($112.4M vs $90.2M, roughly 1.2× TWIN DISC INC). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs 24.8%, a 8.6% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs 0.3%). Over the past eight quarters, TWIN DISC INC's revenue compounded faster (10.3% 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.
Twin Disc, Inc. designs, manufactures, and distributes power transmission equipment for a wide range of applications, including marine, off-road vehicle, and industrial. The company was founded in 1918 to manufacture clutches for farm tractors. It is now a worldwide company with subsidiaries or sales offices in Asia, Europe, North America, Oceania, and South America.
BY vs TWIN — Head-to-Head
Income Statement — Q1 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $90.2M |
| Net Profit | $37.6M | $22.4M |
| Gross Margin | — | 24.8% |
| Operating Margin | — | 2.3% |
| Net Margin | 33.4% | 24.8% |
| Revenue YoY | 9.0% | 0.3% |
| Net Profit YoY | 33.0% | 2334.3% |
| EPS (diluted) | $0.83 | $1.55 |
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 | $90.2M | ||
| Q3 25 | $115.7M | $80.0M | ||
| Q2 25 | $110.5M | $96.7M | ||
| Q1 25 | $103.1M | $81.2M | ||
| Q4 24 | $104.7M | $89.9M | ||
| Q3 24 | $101.8M | $72.9M | ||
| Q2 24 | $99.4M | $84.4M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $22.4M | ||
| Q3 25 | $37.2M | $-518.0K | ||
| Q2 25 | $30.1M | $1.4M | ||
| Q1 25 | $28.2M | $-1.5M | ||
| Q4 24 | $30.3M | $919.0K | ||
| Q3 24 | $30.3M | $-2.8M | ||
| Q2 24 | $29.7M | $7.4M |
| Q1 26 | — | — | ||
| Q4 25 | — | 24.8% | ||
| Q3 25 | — | 28.7% | ||
| Q2 25 | — | 31.0% | ||
| Q1 25 | — | 26.7% | ||
| Q4 24 | — | 24.1% | ||
| Q3 24 | — | 26.5% | ||
| Q2 24 | — | 29.7% |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 2.3% | ||
| Q3 25 | 43.1% | 2.8% | ||
| Q2 25 | 35.2% | 5.5% | ||
| Q1 25 | 36.4% | 2.4% | ||
| Q4 24 | 38.6% | 3.1% | ||
| Q3 24 | 39.3% | -0.2% | ||
| Q2 24 | 40.4% | 5.6% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 24.8% | ||
| Q3 25 | 32.1% | -0.6% | ||
| Q2 25 | 27.2% | 1.5% | ||
| Q1 25 | 27.4% | -1.8% | ||
| Q4 24 | 34.3% | 1.0% | ||
| Q3 24 | 29.8% | -3.8% | ||
| Q2 24 | 29.9% | 8.8% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $1.55 | ||
| Q3 25 | $0.82 | $-0.04 | ||
| Q2 25 | $0.66 | $0.10 | ||
| Q1 25 | $0.64 | $-0.11 | ||
| Q4 24 | $0.68 | $0.07 | ||
| Q3 24 | $0.69 | $-0.20 | ||
| Q2 24 | $0.68 | $0.54 |
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 | — |
| Total DebtLower is stronger | — | $44.5M |
| Stockholders' EquityBook value | $1.3B | $184.5M |
| Total Assets | $9.9B | $384.0M |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | — | ||
| Q3 25 | $259.0M | — | ||
| Q2 25 | $218.3M | — | ||
| Q1 25 | $421.3M | — | ||
| Q4 24 | $563.1M | — | ||
| Q3 24 | $452.6M | — | ||
| Q2 24 | $730.5M | — |
| Q1 26 | — | — | ||
| Q4 25 | — | $44.5M | ||
| Q3 25 | — | $43.7M | ||
| Q2 25 | — | $31.4M | ||
| Q1 25 | — | $40.8M | ||
| Q4 24 | — | $24.9M | ||
| Q3 24 | — | $29.8M | ||
| Q2 24 | — | $25.8M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $184.5M | ||
| Q3 25 | $1.2B | $160.3M | ||
| Q2 25 | $1.2B | $164.0M | ||
| Q1 25 | $1.1B | $149.5M | ||
| Q4 24 | $1.1B | $147.0M | ||
| Q3 24 | $1.1B | $157.5M | ||
| Q2 24 | $1.0B | $154.7M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $384.0M | ||
| Q3 25 | $9.8B | $363.5M | ||
| Q2 25 | $9.7B | $355.6M | ||
| Q1 25 | $9.6B | $332.9M | ||
| Q4 24 | $9.5B | $307.4M | ||
| Q3 24 | $9.4B | $323.5M | ||
| Q2 24 | $9.6B | $312.1M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.27× | ||
| Q4 24 | — | 0.17× | ||
| Q3 24 | — | 0.19× | ||
| Q2 24 | — | 0.17× |
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 | — | $4.6M |
| Free Cash FlowOCF − Capex | — | $1.2M |
| FCF MarginFCF / Revenue | — | 1.4% |
| Capex IntensityCapex / Revenue | — | 3.7% |
| Cash ConversionOCF / Net Profit | — | 0.20× |
| TTM Free Cash FlowTrailing 4 quarters | — | $-70.0K |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $4.6M | ||
| Q3 25 | $38.3M | $-7.5M | ||
| Q2 25 | $16.3M | $16.4M | ||
| Q1 25 | $27.1M | $3.2M | ||
| Q4 24 | $175.2M | $8.7M | ||
| Q3 24 | $19.8M | $-4.3M | ||
| Q2 24 | $40.1M | $11.4M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $1.2M | ||
| Q3 25 | $38.0M | $-11.0M | ||
| Q2 25 | $15.2M | $8.7M | ||
| Q1 25 | $25.0M | $906.0K | ||
| Q4 24 | $171.2M | $5.9M | ||
| Q3 24 | $19.1M | $-6.7M | ||
| Q2 24 | $39.4M | $10.3M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 1.4% | ||
| Q3 25 | 32.8% | -13.7% | ||
| Q2 25 | 13.7% | 9.0% | ||
| Q1 25 | 24.3% | 1.1% | ||
| Q4 24 | 163.5% | 6.5% | ||
| Q3 24 | 18.8% | -9.2% | ||
| Q2 24 | 39.7% | 12.2% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 3.7% | ||
| Q3 25 | 0.3% | 4.3% | ||
| Q2 25 | 1.0% | 8.0% | ||
| Q1 25 | 2.0% | 2.8% | ||
| Q4 24 | 3.8% | 3.1% | ||
| Q3 24 | 0.6% | 3.2% | ||
| Q2 24 | 0.7% | 1.3% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | 0.20× | ||
| Q3 25 | 1.03× | — | ||
| Q2 25 | 0.54× | 11.55× | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | 9.42× | ||
| Q3 24 | 0.65× | — | ||
| Q2 24 | 1.35× | 1.54× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
