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BYLINE BANCORP, INC.（BY）与PDF SOLUTIONS INC（PDFS）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PDF SOLUTIONS INC的1.8倍（$112.4M vs $62.4M），BYLINE BANCORP, INC.净利率更高（33.4% vs -0.1%，领先33.5%），PDF SOLUTIONS INC同比增速更快（24.6% vs 9.0%），过去两年PDF SOLUTIONS INC的营收复合增速更高（22.9% vs 6.4%）
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。
PDF Solutions Inc是一家总部位于美国加利福尼亚州圣克拉拉的跨国企业，主营软件业务与工程技术服务，目前在纳斯达克交易所挂牌上市，股票代码为PDFS。
BY vs PDFS — 直观对比
营收规模更大
BY
是对方的1.8倍
$62.4M
营收增速更快
PDFS
高出15.6%
9.0%
净利率更高
BY
高出33.5%
-0.1%
两年增速更快
PDFS
近两年复合增速
6.4%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $112.4M | $62.4M |
| 净利润 | $37.6M | $-48.0K |
| 毛利率 | — | 72.9% |
| 营业利润率 | — | 5.5% |
| 净利率 | 33.4% | -0.1% |
| 营收同比 | 9.0% | 24.6% |
| 净利润同比 | 33.0% | -108.9% |
| 每股收益（稀释后） | $0.83 | $0.00 |
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BYPDFS
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $62.4M | ||
| Q3 25 | $115.7M | $57.1M | ||
| Q2 25 | $110.5M | $51.7M | ||
| Q1 25 | $103.1M | $47.8M | ||
| Q4 24 | $104.7M | $50.1M | ||
| Q3 24 | $101.8M | $46.4M | ||
| Q2 24 | $99.4M | $41.7M |
净利润BYPDFS
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-48.0K | ||
| Q3 25 | $37.2M | $1.3M | ||
| Q2 25 | $30.1M | $1.1M | ||
| Q1 25 | $28.2M | $-3.0M | ||
| Q4 24 | $30.3M | $539.0K | ||
| Q3 24 | $30.3M | $2.2M | ||
| Q2 24 | $29.7M | $1.7M |
毛利率BYPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | 72.9% | ||
| Q3 25 | — | 72.3% | ||
| Q2 25 | — | 71.2% | ||
| Q1 25 | — | 72.9% | ||
| Q4 24 | — | 68.3% | ||
| Q3 24 | — | 73.1% | ||
| Q2 24 | — | 70.6% |
营业利润率BYPDFS
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | 5.5% | ||
| Q3 25 | 43.1% | 8.5% | ||
| Q2 25 | 35.2% | 2.2% | ||
| Q1 25 | 36.4% | -7.4% | ||
| Q4 24 | 38.6% | 1.0% | ||
| Q3 24 | 39.3% | 4.6% | ||
| Q2 24 | 40.4% | 0.6% |
净利率BYPDFS
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -0.1% | ||
| Q3 25 | 32.1% | 2.3% | ||
| Q2 25 | 27.2% | 2.2% | ||
| Q1 25 | 27.4% | -6.3% | ||
| Q4 24 | 34.3% | 1.1% | ||
| Q3 24 | 29.8% | 4.8% | ||
| Q2 24 | 29.9% | 4.1% |
每股收益（稀释后）BYPDFS
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $0.00 | ||
| Q3 25 | $0.82 | $0.03 | ||
| Q2 25 | $0.66 | $0.03 | ||
| Q1 25 | $0.64 | $-0.08 | ||
| Q4 24 | $0.68 | $0.01 | ||
| Q3 24 | $0.69 | $0.06 | ||
| Q2 24 | $0.68 | $0.04 |
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 | $42.2M |
| 总债务越低越好 | — | $67.0M |
| 股东权益账面价值 | $1.3B | $271.0M |
| 总资产 | $9.9B | $418.7M |
| 负债/权益比越低杠杆越低 | — | 0.25× |
8季度趋势，按日历期对齐
现金及短期投资BYPDFS
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $42.2M | ||
| Q3 25 | $259.0M | $35.9M | ||
| Q2 25 | $218.3M | $40.4M | ||
| Q1 25 | $421.3M | $54.1M | ||
| Q4 24 | $563.1M | $114.9M | ||
| Q3 24 | $452.6M | $120.2M | ||
| Q2 24 | $730.5M | $117.9M |
总债务BYPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | $67.0M | ||
| Q3 25 | — | $67.6M | ||
| Q2 25 | — | $68.1M | ||
| Q1 25 | — | $68.7M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
股东权益BYPDFS
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $271.0M | ||
| Q3 25 | $1.2B | $264.4M | ||
| Q2 25 | $1.2B | $257.5M | ||
| Q1 25 | $1.1B | $249.0M | ||
| Q4 24 | $1.1B | $246.0M | ||
| Q3 24 | $1.1B | $240.5M | ||
| Q2 24 | $1.0B | $232.2M |
总资产BYPDFS
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $418.7M | ||
| Q3 25 | $9.8B | $406.4M | ||
| Q2 25 | $9.7B | $391.1M | ||
| Q1 25 | $9.6B | $390.0M | ||
| Q4 24 | $9.5B | $315.3M | ||
| Q3 24 | $9.4B | $307.4M | ||
| Q2 24 | $9.6B | $298.0M |
负债/权益比BYPDFS
| Q1 26 | — | — | ||
| Q4 25 | — | 0.25× | ||
| Q3 25 | — | 0.26× | ||
| Q2 25 | — | 0.26× | ||
| Q1 25 | — | 0.28× | ||
| 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 | — | $17.3M |
| 自由现金流经营现金流 - 资本支出 | — | $7.5M |
| 自由现金流率自由现金流/营收 | — | 12.1% |
| 资本支出强度资本支出/营收 | — | 15.7% |
| 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 | — | $-8.6M |
8季度趋势，按日历期对齐
经营现金流BYPDFS
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $17.3M | ||
| Q3 25 | $38.3M | $3.3M | ||
| Q2 25 | $16.3M | $-5.2M | ||
| Q1 25 | $27.1M | $8.6M | ||
| Q4 24 | $175.2M | $1.6M | ||
| Q3 24 | $19.8M | $9.3M | ||
| Q2 24 | $40.1M | $684.0K |
自由现金流BYPDFS
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $7.5M | ||
| Q3 25 | $38.0M | $-2.9M | ||
| Q2 25 | $15.2M | $-13.8M | ||
| Q1 25 | $25.0M | $535.0K | ||
| Q4 24 | $171.2M | $-4.0M | ||
| Q3 24 | $19.1M | $5.1M | ||
| Q2 24 | $39.4M | $-4.6M |
自由现金流率BYPDFS
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 12.1% | ||
| Q3 25 | 32.8% | -5.1% | ||
| Q2 25 | 13.7% | -26.6% | ||
| Q1 25 | 24.3% | 1.1% | ||
| Q4 24 | 163.5% | -8.0% | ||
| Q3 24 | 18.8% | 11.0% | ||
| Q2 24 | 39.7% | -11.1% |
资本支出强度BYPDFS
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 15.7% | ||
| Q3 25 | 0.3% | 10.8% | ||
| Q2 25 | 1.0% | 16.5% | ||
| Q1 25 | 2.0% | 17.0% | ||
| Q4 24 | 3.8% | 11.3% | ||
| Q3 24 | 0.6% | 9.0% | ||
| Q2 24 | 0.7% | 12.8% |
现金转化率BYPDFS
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | 2.54× | ||
| Q2 25 | 0.54× | -4.55× | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | 2.98× | ||
| Q3 24 | 0.65× | 4.20× | ||
| Q2 24 | 1.35× | 0.40× |
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
PDFS
| Volumebased | $38.0M | 61% |
| Other | $24.4M | 39% |
