vs
BYLINE BANCORP, INC.（BY）与牛津地产（IIPR）财务数据对比。点击上方公司名可切换其他公司
BYLINE BANCORP, INC.的季度营收约是牛津地产的1.7倍（$112.4M vs $66.7M），牛津地产净利率更高（47.8% vs 33.4%，领先14.3%），BYLINE BANCORP, INC.同比增速更快（9.0% vs -13.1%），过去两年BYLINE BANCORP, INC.的营收复合增速更高（6.4% vs -6.0%）
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。
牛津地产是一家加拿大跨国企业，业务涵盖房地产投资、开发与物业管理。其投资组合包含写字楼、零售、工业、多户住宅、生命科学及酒店类资产。该公司1960年以私营企业形式创立，自2003年起成为安大略省市政雇员退休系统（OMERS）的全资子公司，总部设于多伦多，在纽约、伦敦、澳大利亚、新加坡及卢森堡均设有区域总部。
BY vs IIPR — 直观对比
营收规模更大
BY
是对方的1.7倍
$66.7M
营收增速更快
BY
高出22.2%
-13.1%
净利率更高
IIPR
高出14.3%
33.4%
两年增速更快
BY
近两年复合增速
-6.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $112.4M | $66.7M |
| 净利润 | $37.6M | $31.8M |
| 毛利率 | — | — |
| 营业利润率 | — | 47.8% |
| 净利率 | 33.4% | 47.8% |
| 营收同比 | 9.0% | -13.1% |
| 净利润同比 | 33.0% | -20.4% |
| 每股收益（稀释后） | $0.83 | $1.07 |
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BYIIPR
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $66.7M | ||
| Q3 25 | $115.7M | $64.7M | ||
| Q2 25 | $110.5M | $62.9M | ||
| Q1 25 | $103.1M | $71.7M | ||
| Q4 24 | $104.7M | $76.7M | ||
| Q3 24 | $101.8M | $76.5M | ||
| Q2 24 | $99.4M | $79.8M |
净利润BYIIPR
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $31.8M | ||
| Q3 25 | $37.2M | $29.3M | ||
| Q2 25 | $30.1M | $26.0M | ||
| Q1 25 | $28.2M | $31.1M | ||
| Q4 24 | $30.3M | $40.0M | ||
| Q3 24 | $30.3M | $40.2M | ||
| Q2 24 | $29.7M | $42.0M |
营业利润率BYIIPR
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 47.8% | ||
| Q3 25 | 43.1% | 45.5% | ||
| Q2 25 | 35.2% | 45.9% | ||
| Q1 25 | 36.4% | 47.4% | ||
| Q4 24 | 38.6% | 54.7% | ||
| Q3 24 | 39.3% | 54.8% | ||
| Q2 24 | 40.4% | 53.1% |
净利率BYIIPR
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | 47.8% | ||
| Q3 25 | 32.1% | 45.3% | ||
| Q2 25 | 27.2% | 41.4% | ||
| Q1 25 | 27.4% | 43.3% | ||
| Q4 24 | 34.3% | 52.2% | ||
| Q3 24 | 29.8% | 52.6% | ||
| Q2 24 | 29.9% | 52.6% |
每股收益（稀释后）BYIIPR
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $1.07 | ||
| Q3 25 | $0.82 | $0.97 | ||
| Q2 25 | $0.66 | $0.86 | ||
| Q1 25 | $0.64 | $1.03 | ||
| Q4 24 | $0.68 | $1.35 | ||
| Q3 24 | $0.69 | $1.37 | ||
| Q2 24 | $0.68 | $1.44 |
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 | $47.6M |
| 总债务越低越好 | — | $393.7M |
| 股东权益账面价值 | $1.3B | $1.8B |
| 总资产 | $9.9B | $2.4B |
| 负债/权益比越低杠杆越低 | — | 0.21× |
8季度趋势，按日历期对齐
现金及短期投资BYIIPR
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $47.6M | ||
| Q3 25 | $259.0M | $41.9M | ||
| Q2 25 | $218.3M | $104.9M | ||
| Q1 25 | $421.3M | $133.3M | ||
| Q4 24 | $563.1M | $151.2M | ||
| Q3 24 | $452.6M | $172.4M | ||
| Q2 24 | $730.5M | $160.9M |
总债务BYIIPR
| Q1 26 | — | — | ||
| Q4 25 | — | $393.7M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益BYIIPR
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $1.8B | ||
| Q3 25 | $1.2B | $1.9B | ||
| Q2 25 | $1.2B | $1.9B | ||
| Q1 25 | $1.1B | $1.9B | ||
| Q4 24 | $1.1B | $1.9B | ||
| Q3 24 | $1.1B | $1.9B | ||
| Q2 24 | $1.0B | $1.9B |
总资产BYIIPR
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $2.4B | ||
| Q3 25 | $9.8B | $2.3B | ||
| Q2 25 | $9.7B | $2.3B | ||
| Q1 25 | $9.6B | $2.4B | ||
| Q4 24 | $9.5B | $2.4B | ||
| Q3 24 | $9.4B | $2.4B | ||
| Q2 24 | $9.6B | $2.4B |
负债/权益比BYIIPR
| Q1 26 | — | — | ||
| Q4 25 | — | 0.21× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
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 | — | $198.2M |
| 自由现金流经营现金流 - 资本支出 | — | — |
| 自由现金流率自由现金流/营收 | — | — |
| 资本支出强度资本支出/营收 | — | — |
| 现金转化率经营现金流/净利润 | — | 6.22× |
| 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BYIIPR
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $198.2M | ||
| Q3 25 | $38.3M | $45.6M | ||
| Q2 25 | $16.3M | $48.4M | ||
| Q1 25 | $27.1M | $54.2M | ||
| Q4 24 | $175.2M | $258.4M | ||
| Q3 24 | $19.8M | $64.9M | ||
| Q2 24 | $40.1M | $64.2M |
自由现金流BYIIPR
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | — | ||
| Q3 25 | $38.0M | — | ||
| Q2 25 | $15.2M | — | ||
| Q1 25 | $25.0M | — | ||
| Q4 24 | $171.2M | — | ||
| Q3 24 | $19.1M | — | ||
| Q2 24 | $39.4M | — |
自由现金流率BYIIPR
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | — | ||
| Q3 25 | 32.8% | — | ||
| Q2 25 | 13.7% | — | ||
| Q1 25 | 24.3% | — | ||
| Q4 24 | 163.5% | — | ||
| Q3 24 | 18.8% | — | ||
| Q2 24 | 39.7% | — |
资本支出强度BYIIPR
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | — | ||
| Q3 25 | 0.3% | — | ||
| Q2 25 | 1.0% | — | ||
| Q1 25 | 2.0% | — | ||
| Q4 24 | 3.8% | — | ||
| Q3 24 | 0.6% | — | ||
| Q2 24 | 0.7% | — |
现金转化率BYIIPR
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | 6.22× | ||
| Q3 25 | 1.03× | 1.56× | ||
| Q2 25 | 0.54× | 1.86× | ||
| Q1 25 | 0.96× | 1.75× | ||
| Q4 24 | 5.78× | 6.46× | ||
| Q3 24 | 0.65× | 1.61× | ||
| Q2 24 | 1.35× | 1.53× |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
