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BYLINE BANCORP, INC.（BY）与null（SWIM）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null的1.1倍（$112.4M vs $100.0M），BYLINE BANCORP, INC.净利率更高（33.4% vs -7.0%，领先40.4%），null同比增速更快（14.5% vs 9.0%），过去两年BYLINE BANCORP, INC.的营收复合增速更高（6.4% vs -4.9%）
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。
该企业是一家源自美国的跨国律师事务所，1934年创立于加利福尼亚州洛杉矶，在诉讼业务、公司法务以及监管合规法律领域拥有深厚的行业积累与知名度，是全球颇具影响力的综合性律所之一。
BY vs SWIM — 直观对比
营收规模更大
BY
是对方的1.1倍
$100.0M
营收增速更快
SWIM
高出5.5%
9.0%
净利率更高
BY
高出40.4%
-7.0%
两年增速更快
BY
近两年复合增速
-4.9%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $112.4M | $100.0M |
| 净利润 | $37.6M | $-7.0M |
| 毛利率 | — | 28.0% |
| 营业利润率 | — | -10.7% |
| 净利率 | 33.4% | -7.0% |
| 营收同比 | 9.0% | 14.5% |
| 净利润同比 | 33.0% | 76.0% |
| 每股收益（稀释后） | $0.83 | $-0.06 |
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BYSWIM
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $100.0M | ||
| Q3 25 | $115.7M | $161.9M | ||
| Q2 25 | $110.5M | $172.6M | ||
| Q1 25 | $103.1M | $111.4M | ||
| Q4 24 | $104.7M | $87.3M | ||
| Q3 24 | $101.8M | $150.5M | ||
| Q2 24 | $99.4M | $160.1M |
净利润BYSWIM
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-7.0M | ||
| Q3 25 | $37.2M | $8.1M | ||
| Q2 25 | $30.1M | $16.0M | ||
| Q1 25 | $28.2M | $-6.0M | ||
| Q4 24 | $30.3M | $-29.2M | ||
| Q3 24 | $30.3M | $5.9M | ||
| Q2 24 | $29.7M | $13.3M |
毛利率BYSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 28.0% | ||
| Q3 25 | — | 35.4% | ||
| Q2 25 | — | 37.1% | ||
| Q1 25 | — | 29.5% | ||
| Q4 24 | — | 24.6% | ||
| Q3 24 | — | 32.4% | ||
| Q2 24 | — | 33.1% |
营业利润率BYSWIM
| Q1 26 | — | — | ||
| Q4 25 | 40.1% | -10.7% | ||
| Q3 25 | 43.1% | 13.3% | ||
| Q2 25 | 35.2% | 14.3% | ||
| Q1 25 | 36.4% | -4.4% | ||
| Q4 24 | 38.6% | -14.9% | ||
| Q3 24 | 39.3% | 8.9% | ||
| Q2 24 | 40.4% | 12.5% |
净利率BYSWIM
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -7.0% | ||
| Q3 25 | 32.1% | 5.0% | ||
| Q2 25 | 27.2% | 9.3% | ||
| Q1 25 | 27.4% | -5.4% | ||
| Q4 24 | 34.3% | -33.4% | ||
| Q3 24 | 29.8% | 3.9% | ||
| Q2 24 | 29.9% | 8.3% |
每股收益（稀释后）BYSWIM
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-0.06 | ||
| Q3 25 | $0.82 | $0.07 | ||
| Q2 25 | $0.66 | $0.13 | ||
| Q1 25 | $0.64 | $-0.05 | ||
| Q4 24 | $0.68 | $-0.24 | ||
| Q3 24 | $0.69 | $0.05 | ||
| Q2 24 | $0.68 | $0.11 |
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 | — |
| 总债务越低越好 | — | $279.8M |
| 股东权益账面价值 | $1.3B | $405.9M |
| 总资产 | $9.9B | $823.2M |
| 负债/权益比越低杠杆越低 | — | 0.69× |
8季度趋势，按日历期对齐
现金及短期投资BYSWIM
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | — | ||
| Q3 25 | $259.0M | — | ||
| Q2 25 | $218.3M | — | ||
| Q1 25 | $421.3M | — | ||
| Q4 24 | $563.1M | — | ||
| Q3 24 | $452.6M | — | ||
| Q2 24 | $730.5M | — |
总债务BYSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | $279.8M | ||
| Q3 25 | — | $281.1M | ||
| Q2 25 | — | $281.5M | ||
| Q1 25 | — | $306.9M | ||
| Q4 24 | — | $281.5M | ||
| Q3 24 | — | $282.8M | ||
| Q2 24 | — | $282.4M |
股东权益BYSWIM
| Q1 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $405.9M | ||
| Q3 25 | $1.2B | $408.4M | ||
| Q2 25 | $1.2B | $398.4M | ||
| Q1 25 | $1.1B | $381.1M | ||
| Q4 24 | $1.1B | $387.2M | ||
| Q3 24 | $1.1B | $416.6M | ||
| Q2 24 | $1.0B | $408.1M |
总资产BYSWIM
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $823.2M | ||
| Q3 25 | $9.8B | $844.4M | ||
| Q2 25 | $9.7B | $822.1M | ||
| Q1 25 | $9.6B | $824.6M | ||
| Q4 24 | $9.5B | $794.2M | ||
| Q3 24 | $9.4B | $853.4M | ||
| Q2 24 | $9.6B | $830.0M |
负债/权益比BYSWIM
| Q1 26 | — | — | ||
| Q4 25 | — | 0.69× | ||
| Q3 25 | — | 0.69× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.81× | ||
| Q4 24 | — | 0.73× | ||
| Q3 24 | — | 0.68× | ||
| Q2 24 | — | 0.69× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $14.1M |
| 自由现金流率自由现金流/营收 | — | 14.1% |
| 资本支出强度资本支出/营收 | — | 9.2% |
| 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 | — | $38.0M |
8季度趋势，按日历期对齐
经营现金流BYSWIM
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $23.3M | ||
| Q3 25 | $38.3M | $51.0M | ||
| Q2 25 | $16.3M | $36.0M | ||
| Q1 25 | $27.1M | $-46.9M | ||
| Q4 24 | $175.2M | $6.2M | ||
| Q3 24 | $19.8M | $37.2M | ||
| Q2 24 | $40.1M | $52.4M |
自由现金流BYSWIM
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $14.1M | ||
| Q3 25 | $38.0M | $45.2M | ||
| Q2 25 | $15.2M | $29.1M | ||
| Q1 25 | $25.0M | $-50.3M | ||
| Q4 24 | $171.2M | $-98.0K | ||
| Q3 24 | $19.1M | $33.2M | ||
| Q2 24 | $39.4M | $47.9M |
自由现金流率BYSWIM
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 14.1% | ||
| Q3 25 | 32.8% | 27.9% | ||
| Q2 25 | 13.7% | 16.8% | ||
| Q1 25 | 24.3% | -45.2% | ||
| Q4 24 | 163.5% | -0.1% | ||
| Q3 24 | 18.8% | 22.1% | ||
| Q2 24 | 39.7% | 29.9% |
资本支出强度BYSWIM
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 9.2% | ||
| Q3 25 | 0.3% | 3.6% | ||
| Q2 25 | 1.0% | 4.0% | ||
| Q1 25 | 2.0% | 3.1% | ||
| Q4 24 | 3.8% | 7.2% | ||
| Q3 24 | 0.6% | 2.7% | ||
| Q2 24 | 0.7% | 2.8% |
现金转化率BYSWIM
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | 6.29× | ||
| Q2 25 | 0.54× | 2.25× | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 0.65× | 6.32× | ||
| Q2 24 | 1.35× | 3.95× |
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
SWIM
| In Ground Swimming Pools | $50.2M | 50% |
| Covers | $37.0M | 37% |
| Liners | $12.7M | 13% |
