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BYLINE BANCORP, INC.（BY）与Planet Labs PBC（PL）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Planet Labs PBC的1.4倍（$112.4M vs $81.3M），BYLINE BANCORP, INC.净利率更高（33.4% vs -72.8%，领先106.3%），Planet Labs PBC同比增速更快（32.6% vs 9.0%），过去两年Planet Labs PBC的营收复合增速更高（17.5% 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。
Planet Labs PBC（常简称为Planet）是总部位于美国加利福尼亚州旧金山的上市地球影像企业，核心目标是实现全球范围的每日成像，以此监测地表变化、精准识别相关趋势，为多行业的地理数据分析需求提供可靠的数据支持。
BY vs PL — 直观对比
营收规模更大
BY
是对方的1.4倍
$81.3M
营收增速更快
PL
高出23.6%
9.0%
净利率更高
BY
高出106.3%
-72.8%
两年增速更快
PL
近两年复合增速
6.4%
损益表 — Q1 FY2026 vs Q3 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $112.4M | $81.3M |
| 净利润 | $37.6M | $-59.2M |
| 毛利率 | — | 57.3% |
| 营业利润率 | — | -22.6% |
| 净利率 | 33.4% | -72.8% |
| 营收同比 | 9.0% | 32.6% |
| 净利润同比 | 33.0% | -194.7% |
| 每股收益（稀释后） | $0.83 | $-0.19 |
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BYPL
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $81.3M | ||
| Q3 25 | $115.7M | $73.4M | ||
| Q2 25 | $110.5M | $66.3M | ||
| Q1 25 | $103.1M | $61.6M | ||
| Q4 24 | $104.7M | $61.3M | ||
| Q3 24 | $101.8M | $61.1M | ||
| Q2 24 | $99.4M | $60.4M |
净利润BYPL
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-59.2M | ||
| Q3 25 | $37.2M | $-22.6M | ||
| Q2 25 | $30.1M | $-12.6M | ||
| Q1 25 | $28.2M | $-35.2M | ||
| Q4 24 | $30.3M | $-20.1M | ||
| Q3 24 | $30.3M | $-38.7M | ||
| Q2 24 | $29.7M | $-29.3M |
毛利率BYPL
| Q1 26 | — | — | ||
| Q4 25 | — | 57.3% | ||
| Q3 25 | — | 57.6% | ||
| Q2 25 | — | 55.2% | ||
| Q1 25 | — | 62.1% | ||
| Q4 24 | — | 61.2% | ||
| Q3 24 | — | 52.9% | ||
| Q2 24 | — | 52.4% |
营业利润率BYPL
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | -22.6% | ||
| Q3 25 | 43.1% | -24.5% | ||
| Q2 25 | 35.2% | -34.4% | ||
| Q1 25 | 36.4% | -31.5% | ||
| Q4 24 | 38.6% | -36.9% | ||
| Q3 24 | 39.3% | -64.8% | ||
| Q2 24 | 40.4% | -57.2% |
净利率BYPL
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -72.8% | ||
| Q3 25 | 32.1% | -30.8% | ||
| Q2 25 | 27.2% | -19.1% | ||
| Q1 25 | 27.4% | -57.1% | ||
| Q4 24 | 34.3% | -32.8% | ||
| Q3 24 | 29.8% | -63.3% | ||
| Q2 24 | 29.9% | -48.5% |
每股收益（稀释后）BYPL
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-0.19 | ||
| Q3 25 | $0.82 | $-0.07 | ||
| Q2 25 | $0.66 | $-0.04 | ||
| Q1 25 | $0.64 | $-0.12 | ||
| Q4 24 | $0.68 | $-0.07 | ||
| Q3 24 | $0.69 | $-0.13 | ||
| Q2 24 | $0.68 | $-0.10 |
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 | $443.3M |
| 总债务越低越好 | — | — |
| 股东权益账面价值 | $1.3B | $349.6M |
| 总资产 | $9.9B | $1.1B |
| 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BYPL
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $443.3M | ||
| Q3 25 | $259.0M | $181.1M | ||
| Q2 25 | $218.3M | $133.5M | ||
| Q1 25 | $421.3M | $118.0M | ||
| Q4 24 | $563.1M | $139.0M | ||
| Q3 24 | $452.6M | $148.3M | ||
| Q2 24 | $730.5M | $107.4M |
股东权益BYPL
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $349.6M | ||
| Q3 25 | $1.2B | $435.7M | ||
| Q2 25 | $1.2B | $444.8M | ||
| Q1 25 | $1.1B | $441.3M | ||
| Q4 24 | $1.1B | $464.6M | ||
| Q3 24 | $1.1B | $473.2M | ||
| Q2 24 | $1.0B | $500.3M |
总资产BYPL
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $1.1B | ||
| Q3 25 | $9.8B | $696.4M | ||
| Q2 25 | $9.7B | $658.4M | ||
| Q1 25 | $9.6B | $633.8M | ||
| Q4 24 | $9.5B | $630.8M | ||
| Q3 24 | $9.4B | $658.4M | ||
| Q2 24 | $9.6B | $674.6M |
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 | — | $28.6M |
| 自由现金流经营现金流 - 资本支出 | — | $1.9M |
| 自由现金流率自由现金流/营收 | — | 2.3% |
| 资本支出强度资本支出/营收 | — | 32.9% |
| 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 | — | $40.7M |
8季度趋势，按日历期对齐
经营现金流BYPL
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $28.6M | ||
| Q3 25 | $38.3M | $67.8M | ||
| Q2 25 | $16.3M | $17.3M | ||
| Q1 25 | $27.1M | $-6.3M | ||
| Q4 24 | $175.2M | $4.1M | ||
| Q3 24 | $19.8M | $-7.9M | ||
| Q2 24 | $40.1M | $-4.3M |
自由现金流BYPL
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $1.9M | ||
| Q3 25 | $38.0M | $47.5M | ||
| Q2 25 | $15.2M | $9.2M | ||
| Q1 25 | $25.0M | $-17.9M | ||
| Q4 24 | $171.2M | $-3.6M | ||
| Q3 24 | $19.1M | $-23.0M | ||
| Q2 24 | $39.4M | $-14.2M |
自由现金流率BYPL
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 2.3% | ||
| Q3 25 | 32.8% | 64.7% | ||
| Q2 25 | 13.7% | 13.9% | ||
| Q1 25 | 24.3% | -29.1% | ||
| Q4 24 | 163.5% | -5.8% | ||
| Q3 24 | 18.8% | -37.6% | ||
| Q2 24 | 39.7% | -23.6% |
资本支出强度BYPL
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 32.9% | ||
| Q3 25 | 0.3% | 27.6% | ||
| Q2 25 | 1.0% | 12.3% | ||
| Q1 25 | 2.0% | 18.9% | ||
| Q4 24 | 3.8% | 12.5% | ||
| Q3 24 | 0.6% | 24.8% | ||
| Q2 24 | 0.7% | 16.4% |
现金转化率BYPL
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | — | ||
| Q2 25 | 0.54× | — | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | — | ||
| 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
PL
| Defense And Intelligence | $49.4M | 61% |
| Civil Government | $18.8M | 23% |
| Commercial | $13.1M | 16% |
