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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
UNIVERSAL TECHNICAL INSTITUTE INC is the larger business by last-quarter revenue ($220.8M vs $112.4M, roughly 2.0× BYLINE BANCORP, INC.). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs 5.8%, a 27.6% gap on every dollar of revenue. On growth, UNIVERSAL TECHNICAL INSTITUTE INC posted the faster year-over-year revenue change (9.6% vs 9.0%). Over the past eight quarters, UNIVERSAL TECHNICAL INSTITUTE INC's revenue compounded faster (9.5% 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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
BY vs UTI — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $220.8M |
| Net Profit | $37.6M | $12.8M |
| Gross Margin | — | — |
| Operating Margin | — | 7.1% |
| Net Margin | 33.4% | 5.8% |
| Revenue YoY | 9.0% | 9.6% |
| Net Profit YoY | 33.0% | -42.1% |
| EPS (diluted) | $0.83 | $0.23 |
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 | $220.8M | ||
| Q3 25 | $115.7M | $222.4M | ||
| Q2 25 | $110.5M | $204.3M | ||
| Q1 25 | $103.1M | $207.4M | ||
| Q4 24 | $104.7M | $201.4M | ||
| Q3 24 | $101.8M | $196.4M | ||
| Q2 24 | $99.4M | $177.5M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $12.8M | ||
| Q3 25 | $37.2M | $18.8M | ||
| Q2 25 | $30.1M | $10.7M | ||
| Q1 25 | $28.2M | $11.4M | ||
| Q4 24 | $30.3M | $22.2M | ||
| Q3 24 | $30.3M | $18.8M | ||
| Q2 24 | $29.7M | $5.0M |
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 7.1% | ||
| Q3 25 | 43.1% | 11.2% | ||
| Q2 25 | 35.2% | 6.9% | ||
| Q1 25 | 36.4% | 8.1% | ||
| Q4 24 | 38.6% | 13.6% | ||
| Q3 24 | 39.3% | 13.3% | ||
| Q2 24 | 40.4% | 4.2% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 5.8% | ||
| Q3 25 | 32.1% | 8.4% | ||
| Q2 25 | 27.2% | 5.2% | ||
| Q1 25 | 27.4% | 5.5% | ||
| Q4 24 | 34.3% | 11.0% | ||
| Q3 24 | 29.8% | 9.6% | ||
| Q2 24 | 29.9% | 2.8% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.23 | ||
| Q3 25 | $0.82 | $0.33 | ||
| Q2 25 | $0.66 | $0.19 | ||
| Q1 25 | $0.64 | $0.21 | ||
| Q4 24 | $0.68 | $0.40 | ||
| Q3 24 | $0.69 | $0.35 | ||
| Q2 24 | $0.68 | $0.09 |
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 | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $1.3B | $335.9M |
| Total Assets | $9.9B | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $162.8M | ||
| Q3 25 | $259.0M | $169.1M | ||
| Q2 25 | $218.3M | $70.7M | ||
| Q1 25 | $421.3M | $96.0M | ||
| Q4 24 | $563.1M | $172.0M | ||
| Q3 24 | $452.6M | $161.9M | ||
| Q2 24 | $730.5M | $115.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M |
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $335.9M | ||
| Q3 25 | $1.2B | $328.1M | ||
| Q2 25 | $1.2B | $306.8M | ||
| Q1 25 | $1.1B | $293.9M | ||
| Q4 24 | $1.1B | $280.0M | ||
| Q3 24 | $1.1B | $260.2M | ||
| Q2 24 | $1.0B | $239.4M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $834.0M | ||
| Q3 25 | $9.8B | $826.1M | ||
| Q2 25 | $9.7B | $740.8M | ||
| Q1 25 | $9.6B | $720.4M | ||
| Q4 24 | $9.5B | $753.8M | ||
| Q3 24 | $9.4B | $744.6M | ||
| Q2 24 | $9.6B | $706.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× |
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 | — | $3.1M |
| Free Cash FlowOCF − Capex | — | $-19.2M |
| FCF MarginFCF / Revenue | — | -8.7% |
| Capex IntensityCapex / Revenue | — | 10.1% |
| Cash ConversionOCF / Net Profit | — | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | — | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $3.1M | ||
| Q3 25 | $38.3M | $57.1M | ||
| Q2 25 | $16.3M | $18.1M | ||
| Q1 25 | $27.1M | $-789.0K | ||
| Q4 24 | $175.2M | $23.0M | ||
| Q3 24 | $19.8M | $67.5M | ||
| Q2 24 | $40.1M | $10.0M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $-19.2M | ||
| Q3 25 | $38.0M | $40.6M | ||
| Q2 25 | $15.2M | $6.8M | ||
| Q1 25 | $25.0M | $-11.7M | ||
| Q4 24 | $171.2M | $19.6M | ||
| Q3 24 | $19.1M | $60.0M | ||
| Q2 24 | $39.4M | $3.0M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | -8.7% | ||
| Q3 25 | 32.8% | 18.3% | ||
| Q2 25 | 13.7% | 3.4% | ||
| Q1 25 | 24.3% | -5.7% | ||
| Q4 24 | 163.5% | 9.7% | ||
| Q3 24 | 18.8% | 30.6% | ||
| Q2 24 | 39.7% | 1.7% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 10.1% | ||
| Q3 25 | 0.3% | 7.4% | ||
| Q2 25 | 1.0% | 5.5% | ||
| Q1 25 | 2.0% | 5.3% | ||
| Q4 24 | 3.8% | 1.7% | ||
| Q3 24 | 0.6% | 3.8% | ||
| Q2 24 | 0.7% | 4.0% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | 0.24× | ||
| Q3 25 | 1.03× | 3.04× | ||
| Q2 25 | 0.54× | 1.69× | ||
| Q1 25 | 0.96× | -0.07× | ||
| Q4 24 | 5.78× | 1.04× | ||
| Q3 24 | 0.65× | 3.58× | ||
| Q2 24 | 1.35× | 2.01× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BY
Segment breakdown not available.
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
