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BYLINE BANCORP, INC.（BY）与FARMER BROTHERS CO（FARM）财务数据对比。点击上方公司名可切换其他公司
BYLINE BANCORP, INC.的季度营收约是FARMER BROTHERS CO的1.3倍（$112.4M vs $88.9M），BYLINE BANCORP, INC.净利率更高（33.4% vs -5.5%，领先38.9%），BYLINE BANCORP, INC.同比增速更快（9.0% vs -1.2%），过去两年BYLINE BANCORP, INC.的营收复合增速更高（6.4% vs 2.1%）
Byline Bank是总部位于美国伊利诺伊州芝加哥的银行，为银行控股公司Byline Bancorp, Inc.的核心子公司，同时是全美SBA 7(a)贷款项目的第四大放贷机构，为客户提供专业的银行及融资相关服务。
Farmer Bros. Co.是一家总部位于美国得克萨斯州沃斯堡的餐饮服务企业，主打咖啡与茶类产品的生产分销，同时还供应约300种餐厅及其他经营场所所需的餐饮配套用品，目前由约翰·摩尔担任公司首席执行官兼总裁。
BY vs FARM — 直观对比
营收规模更大
BY
是对方的1.3倍
$88.9M
营收增速更快
BY
高出10.3%
-1.2%
净利率更高
BY
高出38.9%
-5.5%
两年增速更快
BY
近两年复合增速
2.1%
损益表 — Q1 FY2026 vs Q2 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $112.4M | $88.9M |
| 净利润 | $37.6M | $-4.9M |
| 毛利率 | — | 36.3% |
| 营业利润率 | — | -4.7% |
| 净利率 | 33.4% | -5.5% |
| 营收同比 | 9.0% | -1.2% |
| 净利润同比 | 33.0% | -2417.1% |
| 每股收益（稀释后） | $0.83 | $-0.22 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收BYFARM
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $88.9M | ||
| Q3 25 | $115.7M | $81.6M | ||
| Q2 25 | $110.5M | $85.1M | ||
| Q1 25 | $103.1M | $82.1M | ||
| Q4 24 | $104.7M | $90.0M | ||
| Q3 24 | $101.8M | $85.1M | ||
| Q2 24 | $99.4M | $84.4M |
净利润BYFARM
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-4.9M | ||
| Q3 25 | $37.2M | $-4.0M | ||
| Q2 25 | $30.1M | $-4.7M | ||
| Q1 25 | $28.2M | $-5.0M | ||
| Q4 24 | $30.3M | $210.0K | ||
| Q3 24 | $30.3M | $-5.0M | ||
| Q2 24 | $29.7M | $-4.6M |
毛利率BYFARM
| Q1 26 | — | — | ||
| Q4 25 | — | 36.3% | ||
| Q3 25 | — | 39.7% | ||
| Q2 25 | — | 44.9% | ||
| Q1 25 | — | 42.1% | ||
| Q4 24 | — | 43.1% | ||
| Q3 24 | — | 43.9% | ||
| Q2 24 | — | 38.8% |
营业利润率BYFARM
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | -4.7% | ||
| Q3 25 | 43.1% | -3.9% | ||
| Q2 25 | 35.2% | 4.6% | ||
| Q1 25 | 36.4% | -4.3% | ||
| Q4 24 | 38.6% | 1.1% | ||
| Q3 24 | 39.3% | -3.3% | ||
| Q2 24 | 40.4% | -4.9% |
净利率BYFARM
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -5.5% | ||
| Q3 25 | 32.1% | -4.9% | ||
| Q2 25 | 27.2% | -5.6% | ||
| Q1 25 | 27.4% | -6.1% | ||
| Q4 24 | 34.3% | 0.2% | ||
| Q3 24 | 29.8% | -5.9% | ||
| Q2 24 | 29.9% | -5.4% |
每股收益（稀释后）BYFARM
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-0.22 | ||
| Q3 25 | $0.82 | $-0.19 | ||
| Q2 25 | $0.66 | $-0.22 | ||
| Q1 25 | $0.64 | $-0.23 | ||
| Q4 24 | $0.68 | $0.01 | ||
| Q3 24 | $0.69 | $-0.24 | ||
| Q2 24 | $0.68 | $-0.23 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $198.4M | $4.2M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.3B | $35.7M |
| 总资产 | $9.9B | $151.4M |
| 负债/权益比越低杠杆越低 | — | — |
8季度趋势，按日历期对齐
现金及短期投资BYFARM
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $4.2M | ||
| Q3 25 | $259.0M | $3.8M | ||
| Q2 25 | $218.3M | $6.8M | ||
| Q1 25 | $421.3M | $4.1M | ||
| Q4 24 | $563.1M | $5.5M | ||
| Q3 24 | $452.6M | $3.3M | ||
| Q2 24 | $730.5M | $5.8M |
股东权益BYFARM
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $35.7M | ||
| Q3 25 | $1.2B | $40.0M | ||
| Q2 25 | $1.2B | $43.5M | ||
| Q1 25 | $1.1B | $37.3M | ||
| Q4 24 | $1.1B | $41.5M | ||
| Q3 24 | $1.1B | $40.9M | ||
| Q2 24 | $1.0B | $45.5M |
总资产BYFARM
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $151.4M | ||
| Q3 25 | $9.8B | $158.8M | ||
| Q2 25 | $9.7B | $161.2M | ||
| Q1 25 | $9.6B | $163.2M | ||
| Q4 24 | $9.5B | $179.1M | ||
| Q3 24 | $9.4B | $182.0M | ||
| Q2 24 | $9.6B | $185.2M |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $-786.0K |
| 自由现金流经营现金流 - 资本支出 | — | $-2.6M |
| 自由现金流率自由现金流/营收 | — | -2.9% |
| 资本支出强度资本支出/营收 | — | 2.1% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | — |
8季度趋势，按日历期对齐
经营现金流BYFARM
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $-786.0K | ||
| Q3 25 | $38.3M | $-5.0M | ||
| Q2 25 | $16.3M | $9.7M | ||
| Q1 25 | $27.1M | $1.3M | ||
| Q4 24 | $175.2M | $2.6M | ||
| Q3 24 | $19.8M | $2.5M | ||
| Q2 24 | $40.1M | $-995.0K |
自由现金流BYFARM
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $-2.6M | ||
| Q3 25 | $38.0M | $-6.9M | ||
| Q2 25 | $15.2M | — | ||
| Q1 25 | $25.0M | $-684.0K | ||
| Q4 24 | $171.2M | $521.0K | ||
| Q3 24 | $19.1M | $-837.0K | ||
| Q2 24 | $39.4M | — |
自由现金流率BYFARM
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | -2.9% | ||
| Q3 25 | 32.8% | -8.5% | ||
| Q2 25 | 13.7% | — | ||
| Q1 25 | 24.3% | -0.8% | ||
| Q4 24 | 163.5% | 0.6% | ||
| Q3 24 | 18.8% | -1.0% | ||
| Q2 24 | 39.7% | — |
资本支出强度BYFARM
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 2.1% | ||
| Q3 25 | 0.3% | 2.4% | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 2.0% | 2.4% | ||
| Q4 24 | 3.8% | 2.3% | ||
| Q3 24 | 0.6% | 3.9% | ||
| Q2 24 | 0.7% | — |
现金转化率BYFARM
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | — | ||
| Q2 25 | 0.54× | — | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | 12.16× | ||
| Q3 24 | 0.65× | — | ||
| Q2 24 | 1.35× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
BY
暂无分部数据
FARM
| Coffee Roasted | $45.5M | 51% |
| Tea Iced Hot | $23.3M | 26% |
| Culinary | $14.1M | 16% |
| Spice | $4.9M | 5% |
| Fuel Surcharge | $1.2M | 1% |
