Annual Income Statements for Byline Bancorp
This table shows Byline Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Byline Bancorp
This table shows Byline Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Consolidated Net Income / (Loss) |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Net Income / (Loss) Continuing Operations |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Total Pre-Tax Income |
|
31 |
29 |
32 |
35 |
38 |
40 |
41 |
40 |
40 |
40 |
37 |
Total Revenue |
|
81 |
88 |
91 |
90 |
105 |
101 |
101 |
99 |
102 |
105 |
103 |
Net Interest Income / (Expense) |
|
69 |
76 |
76 |
76 |
92 |
86 |
86 |
87 |
87 |
89 |
88 |
Total Interest Income |
|
80 |
93 |
100 |
107 |
137 |
136 |
138 |
142 |
146 |
140 |
135 |
Loans and Leases Interest Income |
|
73 |
85 |
92 |
99 |
125 |
124 |
124 |
127 |
128 |
124 |
121 |
Investment Securities Interest Income |
|
6.40 |
6.57 |
6.60 |
6.56 |
8.42 |
9.23 |
9.73 |
11 |
11 |
12 |
12 |
Other Interest Income |
|
0.68 |
1.24 |
1.06 |
1.58 |
2.71 |
2.35 |
4.80 |
4.53 |
6.84 |
4.19 |
1.49 |
Total Interest Expense |
|
11 |
17 |
24 |
31 |
44 |
49 |
53 |
55 |
59 |
51 |
47 |
Deposits Interest Expense |
|
5.97 |
11 |
16 |
25 |
37 |
43 |
46 |
48 |
52 |
47 |
42 |
Long-Term Debt Interest Expense |
|
5.06 |
6.59 |
7.99 |
6.38 |
6.98 |
6.08 |
6.82 |
7.44 |
6.91 |
4.35 |
4.59 |
Total Non-Interest Income |
|
12 |
12 |
15 |
14 |
12 |
15 |
15 |
13 |
14 |
16 |
15 |
Trust Fees by Commissions |
|
1.00 |
0.86 |
0.92 |
1.04 |
0.94 |
1.26 |
1.16 |
0.94 |
1.10 |
1.11 |
1.08 |
Other Service Charges |
|
8.34 |
8.07 |
8.07 |
8.22 |
8.92 |
8.16 |
9.09 |
8.72 |
7.03 |
12 |
9.08 |
Net Realized & Unrealized Capital Gains on Investments |
|
2.66 |
2.80 |
6.15 |
5.03 |
2.51 |
5.09 |
5.22 |
3.18 |
6.25 |
2.90 |
4.70 |
Provision for Credit Losses |
|
4.18 |
8.80 |
9.83 |
5.79 |
8.80 |
7.24 |
6.64 |
6.05 |
7.48 |
6.88 |
9.18 |
Total Non-Interest Expense |
|
46 |
50 |
49 |
49 |
58 |
54 |
54 |
53 |
54 |
57 |
56 |
Salaries and Employee Benefits |
|
30 |
32 |
30 |
30 |
35 |
32 |
34 |
34 |
35 |
37 |
36 |
Net Occupancy & Equipment Expense |
|
7.29 |
6.94 |
8.23 |
8.68 |
12 |
9.33 |
9.43 |
8.68 |
8.59 |
8.88 |
10 |
Property & Liability Insurance Claims |
|
2.73 |
3.20 |
3.11 |
3.68 |
3.81 |
2.35 |
2.72 |
3.71 |
3.64 |
3.36 |
3.25 |
Other Operating Expenses |
|
4.96 |
2.83 |
5.59 |
5.88 |
5.78 |
2.60 |
6.36 |
5.57 |
5.78 |
1.59 |
5.79 |
Amortization Expense |
|
1.61 |
1.60 |
1.46 |
1.46 |
1.55 |
1.55 |
1.35 |
1.35 |
1.35 |
1.35 |
1.12 |
Impairment Charge |
|
0.00 |
0.37 |
0.02 |
0.00 |
0.00 |
1.98 |
0.00 |
0.00 |
0.00 |
- |
0.00 |
Income Tax Expense |
|
7.86 |
6.75 |
8.29 |
9.23 |
9.91 |
10 |
10 |
10 |
9.71 |
10 |
9.22 |
Basic Earnings per Share |
|
$0.61 |
$0.61 |
$0.65 |
$0.70 |
$0.66 |
$0.68 |
$0.70 |
$0.68 |
$0.70 |
$0.70 |
$0.65 |
Weighted Average Basic Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Diluted Earnings per Share |
|
$0.61 |
$0.61 |
$0.64 |
$0.70 |
$0.65 |
$0.68 |
$0.70 |
$0.68 |
$0.69 |
$0.68 |
$0.64 |
Weighted Average Diluted Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Weighted Average Basic & Diluted Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Cash Dividends to Common per Share |
|
$0.09 |
- |
$0.09 |
$0.09 |
$0.09 |
- |
$0.09 |
$0.09 |
$0.09 |
- |
$0.10 |
Annual Cash Flow Statements for Byline Bancorp
This table details how cash moves in and out of Byline Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
-112 |
1.65 |
12 |
64 |
-41 |
2.68 |
75 |
21 |
47 |
337 |
Net Cash From Operating Activities |
|
-43 |
4.24 |
27 |
80 |
29 |
109 |
74 |
220 |
166 |
175 |
Net Cash From Continuing Operating Activities |
|
-43 |
4.24 |
27 |
80 |
29 |
109 |
74 |
220 |
166 |
175 |
Net Income / (Loss) Continuing Operations |
|
-15 |
67 |
22 |
41 |
57 |
37 |
93 |
88 |
108 |
121 |
Consolidated Net Income / (Loss) |
|
-15 |
67 |
22 |
41 |
57 |
37 |
93 |
88 |
108 |
121 |
Provision For Loan Losses |
|
6.97 |
10 |
13 |
19 |
21 |
57 |
0.97 |
24 |
32 |
27 |
Depreciation Expense |
|
5.80 |
5.06 |
5.19 |
5.58 |
6.39 |
6.48 |
5.99 |
4.29 |
4.53 |
5.03 |
Amortization Expense |
|
-32 |
6.63 |
-1.92 |
-12 |
-13 |
16 |
15 |
6.56 |
9.05 |
4.62 |
Non-Cash Adjustments to Reconcile Net Income |
|
-0.03 |
-73 |
0.91 |
34 |
-23 |
-40 |
4.79 |
56 |
21 |
-45 |
Changes in Operating Assets and Liabilities, net |
|
-9.04 |
-12 |
-12 |
-7.45 |
-18 |
33 |
-46 |
41 |
-8.37 |
63 |
Net Cash From Investing Activities |
|
-189 |
-302 |
-62 |
-369 |
-251 |
-886 |
-236 |
-820 |
-336 |
-331 |
Net Cash From Continuing Investing Activities |
|
-189 |
-302 |
-62 |
-369 |
-251 |
-886 |
-236 |
-820 |
-336 |
-331 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-4.02 |
-5.95 |
-2.54 |
-2.58 |
-4.27 |
-3.92 |
-2.24 |
-3.63 |
-3.86 |
-3.99 |
Purchase of Investment Securities |
|
-1,026 |
-1,074 |
-206 |
-508 |
-576 |
-1,532 |
-933 |
-1,011 |
-631 |
-610 |
Sale of Property, Leasehold Improvements and Equipment |
|
1.35 |
3.72 |
5.37 |
1.44 |
0.00 |
0.03 |
0.30 |
0.03 |
0.00 |
0.62 |
Divestitures |
|
- |
- |
- |
20 |
4.31 |
0.00 |
0.00 |
0.00 |
7.83 |
0.00 |
Sale and/or Maturity of Investments |
|
840 |
786 |
141 |
119 |
325 |
649 |
699 |
194 |
291 |
282 |
Net Cash From Financing Activities |
|
121 |
299 |
47 |
353 |
180 |
780 |
236 |
621 |
217 |
493 |
Net Cash From Continuing Financing Activities |
|
121 |
299 |
47 |
353 |
180 |
780 |
236 |
621 |
217 |
493 |
Net Change in Deposits |
|
81 |
-51 |
-46 |
285 |
108 |
605 |
403 |
540 |
515 |
281 |
Issuance of Debt |
|
1,944 |
6,542 |
3,037 |
5,932 |
8,516 |
9,542 |
13,337 |
22,270 |
17,730 |
2,775 |
Issuance of Common Equity |
|
- |
50 |
77 |
2.54 |
3.73 |
3.63 |
2.14 |
1.51 |
1.79 |
4.52 |
Repayment of Debt |
|
-1,906 |
-6,255 |
-3,010 |
-5,868 |
-8,462 |
-9,804 |
-13,650 |
-22,135 |
-18,041 |
-2,743 |
Repurchase of Preferred Equity |
|
- |
- |
-15 |
- |
- |
0.00 |
0.00 |
-10 |
0.00 |
0.00 |
Repurchase of Common Equity |
|
- |
- |
- |
0.00 |
0.00 |
-1.67 |
-29 |
-17 |
0.00 |
0.00 |
Payment of Dividends |
|
- |
- |
-11 |
-0.78 |
-0.78 |
-6.49 |
-12 |
-14 |
-15 |
-16 |
Other Financing Activities, Net |
|
1.93 |
4.59 |
14 |
2.98 |
15 |
442 |
184 |
-14 |
25 |
191 |
Cash Interest Paid |
|
10 |
6.15 |
15 |
26 |
48 |
26 |
13 |
31 |
129 |
217 |
Cash Income Taxes Paid |
|
- |
-0.25 |
2.85 |
3.51 |
19 |
14 |
35 |
29 |
12 |
12 |
Quarterly Cash Flow Statements for Byline Bancorp
This table details how cash moves in and out of Byline Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Change in Cash & Equivalents |
|
74 |
-37 |
105 |
36 |
109 |
-203 |
411 |
94 |
-278 |
111 |
-142 |
Net Cash From Operating Activities |
|
33 |
35 |
49 |
43 |
79 |
-4.97 |
62 |
40 |
20 |
53 |
27 |
Net Cash From Continuing Operating Activities |
|
33 |
35 |
49 |
43 |
79 |
-4.97 |
62 |
40 |
20 |
53 |
27 |
Net Income / (Loss) Continuing Operations |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Consolidated Net Income / (Loss) |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Provision For Loan Losses |
|
4.18 |
8.80 |
9.83 |
5.79 |
8.80 |
7.24 |
6.64 |
6.05 |
7.48 |
6.88 |
9.18 |
Depreciation Expense |
|
1.04 |
1.01 |
0.98 |
0.95 |
1.26 |
1.34 |
1.31 |
1.28 |
1.25 |
1.20 |
1.16 |
Amortization Expense |
|
5.48 |
-2.00 |
2.36 |
2.32 |
-9.22 |
14 |
1.19 |
1.21 |
-9.69 |
12 |
0.23 |
Non-Cash Adjustments to Reconcile Net Income |
|
-9.83 |
27 |
-14 |
17 |
9.37 |
9.02 |
-54 |
6.27 |
24 |
-22 |
-76 |
Changes in Operating Assets and Liabilities, net |
|
9.22 |
-23 |
26 |
-8.34 |
40 |
-66 |
77 |
-4.32 |
-34 |
24 |
64 |
Net Cash From Investing Activities |
|
-81 |
-138 |
-81 |
-21 |
-135 |
-99 |
-147 |
-138 |
-47 |
-0.19 |
-218 |
Net Cash From Continuing Investing Activities |
|
-81 |
-138 |
-81 |
-21 |
-135 |
-99 |
-147 |
-138 |
-47 |
-0.19 |
-218 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-0.66 |
-0.30 |
-0.28 |
-1.26 |
-1.32 |
-1.01 |
-0.51 |
-0.73 |
-0.65 |
-2.10 |
-2.01 |
Purchase of Investment Securities |
|
-125 |
-169 |
-106 |
-53 |
-343 |
-128 |
-209 |
-230 |
-92 |
-78 |
-271 |
Sale of Property, Leasehold Improvements and Equipment |
|
- |
- |
0.00 |
- |
- |
- |
0.36 |
0.00 |
- |
0.26 |
0.00 |
Sale and/or Maturity of Investments |
|
45 |
31 |
26 |
33 |
201 |
30 |
62 |
94 |
47 |
80 |
56 |
Net Cash From Financing Activities |
|
122 |
66 |
137 |
14 |
165 |
-99 |
495 |
191 |
-251 |
58 |
49 |
Net Cash From Continuing Financing Activities |
|
122 |
66 |
137 |
14 |
165 |
-99 |
495 |
191 |
-254 |
61 |
49 |
Net Change in Deposits |
|
224 |
83 |
118 |
104 |
71 |
222 |
173 |
-3.30 |
150 |
-40 |
95 |
Issuance of Debt |
|
4,168 |
5,714 |
6,100 |
3,623 |
5,955 |
2,052 |
570 |
1,130 |
670 |
405 |
3,065 |
Issuance of Common Equity |
|
- |
0.58 |
- |
- |
0.35 |
0.84 |
0.00 |
- |
2.32 |
1.33 |
0.01 |
Repayment of Debt |
|
-4,263 |
-5,689 |
-6,100 |
-3,708 |
-5,860 |
-2,372 |
-438 |
-932 |
-872 |
-502 |
-3,102 |
Repurchase of Common Equity |
|
-4.16 |
- |
- |
- |
- |
- |
0.00 |
- |
- |
- |
-0.69 |
Payment of Dividends |
|
-3.32 |
-3.32 |
-3.32 |
-3.33 |
-4.05 |
-3.88 |
-3.89 |
-4.12 |
-3.92 |
-3.93 |
-4.37 |
Other Financing Activities, Net |
|
0.86 |
-39 |
22 |
-2.89 |
2.86 |
2.37 |
194 |
-0.77 |
-201 |
199 |
-3.86 |
Cash Interest Paid |
|
8.66 |
15 |
19 |
27 |
36 |
46 |
53 |
50 |
65 |
50 |
51 |
Annual Balance Sheets for Byline Bancorp
This table presents Byline Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
3,296 |
3,366 |
4,943 |
5,522 |
6,391 |
6,696 |
7,363 |
8,882 |
9,497 |
Cash and Due from Banks |
|
18 |
19 |
30 |
48 |
41 |
35 |
62 |
60 |
59 |
Interest Bearing Deposits at Other Banks |
|
29 |
39 |
92 |
33 |
42 |
123 |
117 |
166 |
504 |
Trading Account Securities |
|
771 |
706 |
937 |
1,210 |
1,468 |
1,533 |
1,233 |
1,370 |
1,429 |
Loans and Leases, Net of Allowance |
|
2,137 |
2,261 |
3,476 |
3,754 |
4,274 |
4,482 |
5,339 |
6,583 |
6,809 |
Loans and Leases |
|
2,148 |
2,277 |
3,502 |
3,786 |
4,341 |
4,537 |
5,421 |
6,684 |
6,907 |
Allowance for Loan and Lease Losses |
|
11 |
17 |
25 |
32 |
66 |
55 |
82 |
102 |
98 |
Premises and Equipment, Net |
|
102 |
95 |
98 |
96 |
87 |
63 |
57 |
67 |
61 |
Intangible Assets |
|
20 |
17 |
33 |
32 |
24 |
17 |
11 |
22 |
198 |
Other Assets |
|
167 |
175 |
148 |
157 |
164 |
282 |
384 |
397 |
437 |
Total Liabilities & Shareholders' Equity |
|
3,296 |
3,366 |
4,943 |
5,522 |
6,391 |
6,696 |
7,363 |
8,882 |
9,497 |
Total Liabilities |
|
2,913 |
2,908 |
4,292 |
4,772 |
5,585 |
5,860 |
6,597 |
7,892 |
8,405 |
Non-Interest Bearing Deposits |
|
724 |
761 |
1,193 |
1,280 |
1,763 |
2,158 |
2,139 |
1,906 |
1,756 |
Interest Bearing Deposits |
|
1,766 |
1,682 |
2,557 |
2,868 |
2,989 |
2,997 |
3,556 |
5,271 |
5,703 |
Short-Term Debt |
|
38 |
31 |
34 |
50 |
42 |
30 |
15 |
52 |
619 |
Accrued Interest Payable |
|
2.43 |
1.31 |
3.48 |
3.68 |
1.48 |
0.26 |
4.49 |
22 |
183 |
Long-Term Debt |
|
341 |
389 |
462 |
527 |
344 |
600 |
736 |
488 |
145 |
Commitments & Contingencies |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Equity & Noncontrolling Interests |
|
383 |
459 |
651 |
750 |
771 |
836 |
766 |
990 |
1,091 |
Total Preferred & Common Equity |
|
383 |
459 |
651 |
750 |
805 |
836 |
766 |
990 |
1,091 |
Preferred Stock |
|
25 |
10 |
10 |
10 |
10 |
10 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
357 |
448 |
640 |
740 |
761 |
826 |
766 |
990 |
1,091 |
Common Stock |
|
314 |
392 |
547 |
581 |
588 |
594 |
599 |
711 |
718 |
Retained Earnings |
|
51 |
61 |
103 |
159 |
191 |
272 |
336 |
429 |
534 |
Treasury Stock |
|
- |
- |
- |
0.00 |
0.00 |
-32 |
-51 |
-50 |
-47 |
Accumulated Other Comprehensive Income / (Loss) |
|
-7.27 |
-5.09 |
-9.50 |
-0.70 |
-18 |
-8.30 |
-118 |
-100 |
-114 |
Quarterly Balance Sheets for Byline Bancorp
This table presents Byline Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q2 2022 |
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Total Assets |
|
7,132 |
7,278 |
7,530 |
7,576 |
8,943 |
9,411 |
9,634 |
9,424 |
9,585 |
Cash and Due from Banks |
|
59 |
57 |
53 |
60 |
71 |
59 |
68 |
77 |
73 |
Interest Bearing Deposits at Other Banks |
|
83 |
160 |
231 |
261 |
358 |
578 |
662 |
376 |
348 |
Trading Account Securities |
|
1,302 |
1,227 |
1,204 |
1,172 |
1,256 |
1,413 |
1,410 |
1,532 |
1,570 |
Loans and Leases, Net of Allowance |
|
5,106 |
5,211 |
5,425 |
5,478 |
6,508 |
6,676 |
6,791 |
6,781 |
6,925 |
Loans and Leases |
|
5,168 |
5,275 |
5,515 |
5,571 |
6,613 |
6,778 |
6,891 |
6,879 |
7,026 |
Allowance for Loan and Lease Losses |
|
62 |
65 |
90 |
93 |
106 |
102 |
100 |
99 |
100 |
Premises and Equipment, Net |
|
61 |
59 |
56 |
56 |
67 |
64 |
64 |
63 |
60 |
Intangible Assets |
|
162 |
160 |
157 |
156 |
205 |
202 |
201 |
199 |
197 |
Other Assets |
|
359 |
404 |
404 |
393 |
478 |
418 |
438 |
397 |
411 |
Total Liabilities & Shareholders' Equity |
|
7,132 |
7,278 |
7,530 |
7,576 |
8,943 |
9,411 |
9,634 |
9,424 |
9,585 |
Total Liabilities |
|
6,367 |
6,530 |
6,735 |
6,762 |
8,023 |
8,401 |
8,601 |
8,328 |
8,454 |
Non-Interest Bearing Deposits |
|
2,181 |
2,142 |
1,952 |
1,794 |
1,960 |
1,852 |
1,763 |
1,730 |
1,716 |
Interest Bearing Deposits |
|
3,207 |
3,470 |
3,861 |
4,123 |
4,994 |
5,498 |
5,584 |
5,768 |
5,838 |
Short-Term Debt |
|
748 |
654 |
- |
575 |
713 |
721 |
- |
519 |
578 |
Accrued Interest Payable |
|
119 |
153 |
148 |
158 |
212 |
186 |
190 |
167 |
177 |
Long-Term Debt |
|
111 |
111 |
774 |
111 |
144 |
144 |
1,063 |
145 |
145 |
Commitments & Contingencies |
|
- |
- |
- |
- |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Equity & Noncontrolling Interests |
|
765 |
748 |
796 |
814 |
920 |
1,009 |
1,033 |
1,096 |
1,131 |
Total Preferred & Common Equity |
|
765 |
748 |
796 |
814 |
920 |
1,009 |
1,033 |
1,096 |
1,131 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
765 |
748 |
798 |
814 |
920 |
1,009 |
1,035 |
1,096 |
1,131 |
Common Stock |
|
596 |
597 |
598 |
600 |
709 |
709 |
711 |
715 |
714 |
Retained Earnings |
|
307 |
327 |
356 |
379 |
403 |
456 |
481 |
508 |
558 |
Treasury Stock |
|
-47 |
-52 |
-49 |
-50 |
-50 |
-49 |
-46 |
-48 |
-44 |
Accumulated Other Comprehensive Income / (Loss) |
|
-91 |
-125 |
-108 |
-115 |
-142 |
-107 |
-111 |
-79 |
-96 |
Annual Metrics And Ratios for Byline Bancorp
This table displays calculated financial ratios and metrics derived from Byline Bancorp's official financial filings.
Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
0.00% |
19.55% |
47.56% |
28.38% |
23.15% |
1.91% |
12.13% |
3.86% |
19.93% |
5.16% |
EBITDA Growth |
|
0.00% |
141.83% |
156.56% |
-6.12% |
70.47% |
5.06% |
96.63% |
-13.84% |
26.87% |
7.20% |
EBIT Growth |
|
0.00% |
137.39% |
643.87% |
17.64% |
61.06% |
-33.16% |
140.41% |
-7.67% |
27.03% |
10.57% |
NOPAT Growth |
|
0.00% |
749.94% |
-67.49% |
89.87% |
38.38% |
-34.27% |
147.64% |
-5.21% |
22.65% |
11.94% |
Net Income Growth |
|
0.00% |
545.63% |
-67.49% |
89.87% |
38.38% |
-34.27% |
147.64% |
-5.21% |
22.65% |
11.94% |
EPS Growth |
|
0.00% |
480.23% |
-88.38% |
210.53% |
25.42% |
-35.14% |
150.00% |
-2.50% |
14.10% |
3.00% |
Operating Cash Flow Growth |
|
0.00% |
109.74% |
533.92% |
197.68% |
-63.33% |
271.91% |
-31.73% |
196.04% |
-24.63% |
5.48% |
Free Cash Flow Firm Growth |
|
0.00% |
0.00% |
86.17% |
-135.87% |
45.48% |
240.35% |
-205.30% |
120.41% |
156.36% |
-314.51% |
Invested Capital Growth |
|
0.00% |
0.00% |
15.47% |
30.46% |
15.74% |
-10.24% |
23.11% |
3.46% |
0.82% |
21.28% |
Revenue Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
7.49% |
7.06% |
-14.03% |
18.56% |
2.33% |
3.47% |
0.96% |
EBITDA Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-28.76% |
25.49% |
-32.78% |
39.00% |
-3.23% |
15.93% |
-0.83% |
EBIT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
11.75% |
19.86% |
-51.26% |
63.44% |
6.15% |
7.78% |
0.25% |
NOPAT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
76.75% |
-2.18% |
-8.68% |
5.57% |
6.69% |
6.83% |
0.60% |
Net Income Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
76.75% |
-2.18% |
-8.68% |
5.57% |
6.69% |
6.83% |
0.60% |
EPS Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
73.53% |
-5.13% |
-9.43% |
6.19% |
7.34% |
2.69% |
0.00% |
Operating Cash Flow Q/Q Growth |
|
0.00% |
0.00% |
-8.52% |
4.87% |
-2.07% |
439.69% |
-51.06% |
2.98% |
-19.28% |
49.32% |
Free Cash Flow Firm Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
0.00% |
9.98% |
166.02% |
-179.70% |
-15.07% |
158.22% |
-248.93% |
Invested Capital Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
2.75% |
1.20% |
-26.23% |
-0.49% |
0.32% |
-13.94% |
5.42% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
-42.12% |
14.74% |
25.63% |
18.74% |
25.94% |
26.74% |
46.90% |
38.91% |
41.16% |
41.96% |
EBIT Margin |
|
-15.05% |
4.71% |
23.73% |
21.74% |
28.43% |
18.65% |
39.99% |
35.54% |
37.65% |
39.59% |
Profit (Net Income) Margin |
|
-15.36% |
57.27% |
12.62% |
18.66% |
20.97% |
13.52% |
29.87% |
27.26% |
27.88% |
29.68% |
Tax Burden Percent |
|
102.09% |
1,216.79% |
53.18% |
74.30% |
73.75% |
72.52% |
74.70% |
76.69% |
74.05% |
74.97% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
115.52% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
0.00% |
-1,116.79% |
46.82% |
25.70% |
26.25% |
27.48% |
25.30% |
23.31% |
25.95% |
25.03% |
Return on Invested Capital (ROIC) |
|
0.00% |
17.53% |
2.65% |
4.07% |
4.61% |
2.98% |
6.98% |
5.90% |
7.08% |
7.14% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
0.00% |
17.53% |
2.65% |
4.07% |
4.61% |
2.98% |
6.98% |
5.90% |
7.08% |
7.14% |
Return on Net Nonoperating Assets (RNNOA) |
|
0.00% |
17.34% |
2.51% |
3.36% |
3.53% |
1.95% |
4.56% |
5.08% |
5.21% |
4.47% |
Return on Equity (ROE) |
|
0.00% |
34.88% |
5.16% |
7.43% |
8.14% |
4.93% |
11.54% |
10.98% |
12.29% |
11.60% |
Cash Return on Invested Capital (CROIC) |
|
0.00% |
-182.47% |
-11.71% |
-22.36% |
-9.98% |
13.76% |
-13.73% |
2.50% |
6.27% |
-12.10% |
Operating Return on Assets (OROA) |
|
0.00% |
0.17% |
1.22% |
1.16% |
1.48% |
0.87% |
1.90% |
1.63% |
1.79% |
1.75% |
Return on Assets (ROA) |
|
0.00% |
2.02% |
0.65% |
0.99% |
1.09% |
0.63% |
1.42% |
1.25% |
1.33% |
1.31% |
Return on Common Equity (ROCE) |
|
0.00% |
32.56% |
4.94% |
7.29% |
8.02% |
4.86% |
11.39% |
10.91% |
12.29% |
11.60% |
Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
17.44% |
4.73% |
6.33% |
7.60% |
4.65% |
11.09% |
11.49% |
10.90% |
11.06% |
Net Operating Profit after Tax (NOPAT) |
|
-10 |
67 |
22 |
41 |
57 |
37 |
93 |
88 |
108 |
121 |
NOPAT Margin |
|
-10.53% |
57.27% |
12.62% |
18.66% |
20.97% |
13.52% |
29.87% |
27.26% |
27.88% |
29.68% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
74.81% |
64.99% |
54.90% |
53.73% |
48.64% |
45.08% |
43.59% |
46.87% |
43.62% |
44.40% |
Operating Expenses to Revenue |
|
107.90% |
86.41% |
68.92% |
69.74% |
63.95% |
60.89% |
59.70% |
57.05% |
54.17% |
53.77% |
Earnings before Interest and Taxes (EBIT) |
|
-15 |
5.48 |
41 |
48 |
77 |
52 |
124 |
115 |
146 |
161 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
-41 |
17 |
44 |
41 |
71 |
74 |
146 |
126 |
159 |
171 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.00 |
0.00 |
1.40 |
0.88 |
0.94 |
0.74 |
1.20 |
1.08 |
1.02 |
1.18 |
Price to Tangible Book Value (P/TBV) |
|
0.00 |
0.00 |
1.67 |
1.18 |
1.25 |
0.96 |
1.50 |
1.37 |
1.29 |
1.44 |
Price to Revenue (P/Rev) |
|
0.00 |
0.00 |
3.66 |
2.56 |
2.57 |
2.03 |
3.18 |
2.58 |
2.61 |
3.15 |
Price to Earnings (P/E) |
|
0.00 |
0.00 |
60.37 |
13.98 |
12.43 |
15.36 |
10.73 |
9.47 |
9.37 |
10.62 |
Dividend Yield |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.16% |
0.82% |
1.26% |
1.62% |
1.56% |
1.25% |
Earnings Yield |
|
0.00% |
0.00% |
1.66% |
7.15% |
8.04% |
6.51% |
9.32% |
10.56% |
10.67% |
9.41% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.00 |
0.00 |
1.14 |
0.83 |
0.91 |
0.74 |
1.00 |
0.92 |
0.87 |
0.80 |
Enterprise Value to Revenue (EV/Rev) |
|
0.00 |
0.00 |
5.82 |
4.30 |
4.43 |
3.16 |
4.73 |
4.35 |
3.42 |
3.65 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
0.00 |
0.00 |
22.72 |
22.95 |
17.09 |
11.83 |
10.09 |
11.18 |
8.32 |
8.69 |
Enterprise Value to EBIT (EV/EBIT) |
|
0.00 |
0.00 |
24.55 |
19.79 |
15.60 |
16.96 |
11.83 |
12.23 |
9.09 |
9.21 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
0.00 |
0.00 |
46.15 |
23.05 |
21.15 |
23.39 |
15.84 |
15.95 |
12.28 |
12.28 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
0.00 |
0.00 |
37.29 |
11.88 |
41.13 |
8.04 |
19.75 |
6.37 |
7.98 |
8.47 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
5.06 |
0.00 |
37.67 |
13.87 |
0.00 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.00 |
0.99 |
0.92 |
0.76 |
0.77 |
0.50 |
0.75 |
0.98 |
0.54 |
0.70 |
Long-Term Debt to Equity |
|
0.00 |
0.89 |
0.85 |
0.71 |
0.70 |
0.45 |
0.72 |
0.96 |
0.49 |
0.67 |
Financial Leverage |
|
0.00 |
0.99 |
0.95 |
0.83 |
0.77 |
0.66 |
0.65 |
0.86 |
0.74 |
0.63 |
Leverage Ratio |
|
0.00 |
8.61 |
7.92 |
7.49 |
7.47 |
7.83 |
8.14 |
8.77 |
9.25 |
8.83 |
Compound Leverage Factor |
|
0.00 |
8.61 |
7.92 |
8.65 |
7.47 |
7.83 |
8.14 |
8.77 |
9.25 |
8.83 |
Debt to Total Capital |
|
0.00% |
49.73% |
47.82% |
43.25% |
43.48% |
33.35% |
42.97% |
49.53% |
35.27% |
41.17% |
Short-Term Debt to Total Capital |
|
0.00% |
4.98% |
3.55% |
2.98% |
3.74% |
3.63% |
2.03% |
1.01% |
3.39% |
1.73% |
Long-Term Debt to Total Capital |
|
0.00% |
44.75% |
44.28% |
40.27% |
39.74% |
29.72% |
40.94% |
48.51% |
31.88% |
39.43% |
Preferred Equity to Total Capital |
|
0.00% |
3.34% |
1.19% |
0.91% |
0.79% |
0.90% |
0.71% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
0.00% |
46.93% |
50.99% |
55.84% |
55.74% |
65.75% |
56.32% |
50.47% |
64.73% |
58.83% |
Debt to EBITDA |
|
0.00 |
22.04 |
9.54 |
11.99 |
8.18 |
5.21 |
4.33 |
5.99 |
3.39 |
4.47 |
Net Debt to EBITDA |
|
0.00 |
19.33 |
8.21 |
9.04 |
7.04 |
4.08 |
3.24 |
4.56 |
1.97 |
1.17 |
Long-Term Debt to EBITDA |
|
0.00 |
19.83 |
8.83 |
11.16 |
7.48 |
4.64 |
4.12 |
5.86 |
3.06 |
4.29 |
Debt to NOPAT |
|
0.00 |
5.67 |
19.38 |
12.04 |
10.12 |
10.30 |
6.79 |
8.54 |
5.00 |
6.32 |
Net Debt to NOPAT |
|
0.00 |
4.98 |
16.69 |
9.08 |
8.71 |
8.07 |
5.09 |
6.50 |
2.90 |
1.66 |
Long-Term Debt to NOPAT |
|
0.00 |
5.10 |
17.94 |
11.21 |
9.25 |
9.18 |
6.47 |
8.37 |
4.52 |
6.06 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
6.65% |
4.27% |
1.88% |
1.49% |
1.37% |
1.30% |
0.65% |
0.00% |
0.00% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
0.00 |
-694 |
-96 |
-226 |
-123 |
173 |
-182 |
37 |
95 |
-205 |
Operating Cash Flow to CapEx |
|
-1,631.26% |
190.30% |
0.00% |
7,024.17% |
687.64% |
2,807.70% |
3,836.39% |
6,111.87% |
4,301.14% |
5,199.17% |
Free Cash Flow to Firm to Interest Expense |
|
0.00 |
-89.64 |
-6.91 |
-7.99 |
-2.54 |
7.15 |
-14.55 |
1.03 |
0.64 |
-0.94 |
Operating Cash Flow to Interest Expense |
|
-6.56 |
0.55 |
1.93 |
2.82 |
0.60 |
4.50 |
5.94 |
6.08 |
1.12 |
0.80 |
Operating Cash Flow Less CapEx to Interest Expense |
|
-6.96 |
0.26 |
2.14 |
2.78 |
0.52 |
4.34 |
5.78 |
5.98 |
1.09 |
0.79 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.00 |
0.04 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.04 |
Fixed Asset Turnover |
|
0.00 |
1.14 |
1.74 |
2.29 |
2.81 |
3.03 |
4.16 |
5.41 |
6.27 |
6.40 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
0.00 |
761 |
879 |
1,147 |
1,327 |
1,191 |
1,467 |
1,517 |
1,530 |
1,855 |
Invested Capital Turnover |
|
0.00 |
0.31 |
0.21 |
0.22 |
0.22 |
0.22 |
0.23 |
0.22 |
0.25 |
0.24 |
Increase / (Decrease) in Invested Capital |
|
0.00 |
761 |
118 |
268 |
180 |
-136 |
275 |
51 |
12 |
326 |
Enterprise Value (EV) |
|
0.00 |
0.00 |
1,001 |
950 |
1,206 |
876 |
1,470 |
1,403 |
1,324 |
1,483 |
Market Capitalization |
|
0.00 |
0.00 |
629 |
565 |
699 |
563 |
987 |
831 |
1,011 |
1,283 |
Book Value per Share |
|
$0.00 |
$17.68 |
$15.29 |
$17.63 |
$19.38 |
$19.71 |
$21.90 |
$20.43 |
$22.65 |
$24.59 |
Tangible Book Value per Share |
|
$0.00 |
$14.13 |
$12.86 |
$13.18 |
$14.65 |
$15.24 |
$17.51 |
$16.19 |
$17.99 |
$20.13 |
Total Capital |
|
0.00 |
761 |
879 |
1,147 |
1,327 |
1,157 |
1,467 |
1,517 |
1,530 |
1,855 |
Total Debt |
|
0.00 |
379 |
420 |
496 |
577 |
386 |
630 |
751 |
540 |
764 |
Total Long-Term Debt |
|
0.00 |
341 |
389 |
462 |
527 |
344 |
600 |
736 |
488 |
732 |
Net Debt |
|
0.00 |
332 |
362 |
374 |
496 |
302 |
472 |
572 |
313 |
201 |
Capital Expenditures (CapEx) |
|
2.67 |
2.23 |
-2.84 |
1.14 |
4.26 |
3.88 |
1.94 |
3.61 |
3.86 |
3.37 |
Net Nonoperating Expense (NNE) |
|
4.71 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
0.00 |
379 |
420 |
496 |
577 |
420 |
630 |
751 |
540 |
764 |
Total Depreciation and Amortization (D&A) |
|
-26 |
12 |
3.27 |
-6.62 |
-6.77 |
22 |
21 |
11 |
14 |
9.65 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
($0.86) |
$3.31 |
$0.39 |
$1.21 |
$1.51 |
$0.96 |
$2.45 |
$2.37 |
$2.69 |
$2.78 |
Adjusted Weighted Average Basic Shares Outstanding |
|
0.00 |
20.20M |
29.40M |
36.37M |
38.44M |
38.75M |
37.83M |
37.72M |
44.38M |
44.68M |
Adjusted Diluted Earnings per Share |
|
($0.86) |
$3.27 |
$0.38 |
$1.18 |
$1.48 |
$0.96 |
$2.40 |
$2.34 |
$2.67 |
$2.75 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
0.00 |
20.20M |
29.40M |
36.37M |
38.44M |
38.75M |
37.83M |
37.72M |
44.38M |
44.68M |
Adjusted Basic & Diluted Earnings per Share |
|
($0.86) |
$3.31 |
$0.39 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
0.00 |
20.20M |
29.40M |
36.37M |
38.44M |
38.75M |
37.83M |
37.72M |
44.38M |
44.68M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
-10 |
5.04 |
22 |
41 |
58 |
42 |
103 |
88 |
109 |
121 |
Normalized NOPAT Margin |
|
-10.53% |
4.33% |
12.62% |
18.66% |
21.30% |
15.25% |
33.09% |
27.35% |
28.26% |
29.68% |
Pre Tax Income Margin |
|
-15.05% |
4.71% |
23.73% |
25.12% |
28.43% |
18.65% |
39.99% |
35.54% |
37.65% |
39.59% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
-2.21 |
0.71 |
2.94 |
1.69 |
1.59 |
2.13 |
9.91 |
3.17 |
0.98 |
0.74 |
NOPAT to Interest Expense |
|
-1.55 |
8.61 |
1.56 |
1.45 |
1.17 |
1.54 |
7.40 |
2.43 |
0.72 |
0.55 |
EBIT Less CapEx to Interest Expense |
|
-2.61 |
0.42 |
3.14 |
1.65 |
1.50 |
1.97 |
9.75 |
3.07 |
0.95 |
0.72 |
NOPAT Less CapEx to Interest Expense |
|
-1.95 |
8.33 |
1.77 |
1.41 |
1.09 |
1.38 |
7.25 |
2.33 |
0.70 |
0.54 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
0.00% |
0.00% |
51.98% |
1.90% |
1.37% |
17.33% |
12.99% |
15.46% |
13.52% |
13.12% |
Augmented Payout Ratio |
|
0.00% |
0.00% |
51.98% |
1.90% |
1.37% |
21.78% |
44.10% |
35.10% |
13.52% |
13.12% |
Quarterly Metrics And Ratios for Byline Bancorp
This table displays calculated financial ratios and metrics derived from Byline Bancorp's official financial filings.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
3.23% |
9.12% |
16.25% |
19.36% |
29.63% |
14.76% |
11.17% |
9.85% |
-2.85% |
3.85% |
2.05% |
EBITDA Growth |
|
-1.29% |
-12.83% |
14.04% |
33.82% |
-18.51% |
92.92% |
21.04% |
10.33% |
4.70% |
-2.60% |
-9.74% |
EBIT Growth |
|
-9.75% |
29.12% |
12.67% |
35.36% |
24.98% |
35.71% |
25.82% |
13.51% |
4.99% |
0.99% |
-7.62% |
NOPAT Growth |
|
-10.47% |
32.08% |
7.32% |
28.71% |
24.57% |
30.39% |
27.12% |
13.65% |
7.46% |
2.42% |
-7.20% |
Net Income Growth |
|
-10.47% |
32.08% |
7.32% |
28.71% |
24.57% |
30.39% |
27.12% |
13.65% |
7.46% |
2.42% |
-7.20% |
EPS Growth |
|
-7.58% |
35.56% |
10.34% |
29.63% |
6.56% |
11.48% |
9.38% |
-2.86% |
6.15% |
0.00% |
-8.57% |
Operating Cash Flow Growth |
|
250.70% |
22.53% |
-47.03% |
-27.92% |
139.96% |
-114.31% |
26.87% |
-7.36% |
-74.81% |
1,164.94% |
-56.59% |
Free Cash Flow Firm Growth |
|
-109.58% |
89.15% |
-172.03% |
165.26% |
-1,385.32% |
161.36% |
18.02% |
-477.96% |
120.19% |
-1,817.50% |
117.68% |
Invested Capital Growth |
|
2.62% |
3.46% |
29.65% |
-7.62% |
17.52% |
0.82% |
19.44% |
39.74% |
-0.98% |
21.28% |
-1.08% |
Revenue Q/Q Growth |
|
6.70% |
8.61% |
3.46% |
-0.45% |
15.89% |
-3.85% |
0.22% |
-1.63% |
2.49% |
2.78% |
-1.52% |
EBITDA Q/Q Growth |
|
28.33% |
-23.14% |
7.75% |
8.53% |
-21.85% |
81.95% |
-21.58% |
-1.07% |
-25.84% |
69.28% |
-27.33% |
EBIT Q/Q Growth |
|
16.88% |
-3.48% |
9.46% |
9.62% |
7.91% |
4.81% |
1.48% |
-1.10% |
-0.19% |
0.81% |
-7.16% |
NOPAT Q/Q Growth |
|
11.70% |
0.21% |
5.47% |
9.03% |
8.10% |
4.90% |
2.82% |
-2.53% |
2.21% |
-0.03% |
-6.83% |
Net Income Q/Q Growth |
|
11.70% |
0.21% |
5.47% |
9.03% |
8.10% |
4.90% |
2.82% |
-2.53% |
2.21% |
-0.03% |
-6.83% |
EPS Q/Q Growth |
|
12.96% |
0.00% |
4.92% |
9.38% |
-7.14% |
4.62% |
2.94% |
-2.86% |
1.47% |
-1.45% |
-5.88% |
Operating Cash Flow Q/Q Growth |
|
-45.55% |
6.00% |
41.58% |
-11.80% |
81.29% |
-106.32% |
1,355.26% |
-35.60% |
-50.70% |
167.19% |
-48.83% |
Free Cash Flow Firm Q/Q Growth |
|
93.06% |
-75.77% |
-1,095.92% |
144.74% |
-257.93% |
107.26% |
-1,697.66% |
-106.29% |
108.44% |
-717.80% |
116.44% |
Invested Capital Q/Q Growth |
|
-6.87% |
0.32% |
3.45% |
-4.42% |
18.47% |
-13.94% |
22.56% |
11.82% |
-16.05% |
5.42% |
-0.04% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
45.79% |
32.40% |
39.15% |
42.68% |
28.78% |
54.47% |
42.62% |
42.87% |
31.02% |
51.09% |
37.70% |
EBIT Margin |
|
37.73% |
33.53% |
35.48% |
39.07% |
36.38% |
39.66% |
40.15% |
40.37% |
39.31% |
38.56% |
36.35% |
Profit (Net Income) Margin |
|
28.02% |
25.85% |
26.35% |
28.86% |
26.92% |
29.37% |
30.13% |
29.86% |
29.78% |
28.97% |
27.40% |
Tax Burden Percent |
|
74.25% |
77.09% |
74.28% |
73.88% |
74.01% |
74.07% |
75.05% |
73.96% |
75.75% |
75.12% |
75.38% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
25.75% |
22.91% |
25.72% |
26.12% |
25.99% |
25.93% |
24.95% |
26.04% |
24.25% |
24.88% |
24.62% |
Return on Invested Capital (ROIC) |
|
5.92% |
5.59% |
6.36% |
6.47% |
6.12% |
7.46% |
6.95% |
6.74% |
6.79% |
6.96% |
6.01% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
5.92% |
5.59% |
6.36% |
6.47% |
6.12% |
7.46% |
6.95% |
6.74% |
6.79% |
6.96% |
6.01% |
Return on Net Nonoperating Assets (RNNOA) |
|
5.32% |
4.82% |
4.80% |
6.33% |
5.95% |
5.48% |
6.31% |
6.39% |
5.12% |
4.36% |
4.46% |
Return on Equity (ROE) |
|
11.24% |
10.41% |
11.16% |
12.79% |
12.08% |
12.94% |
13.26% |
13.13% |
11.90% |
11.32% |
10.47% |
Cash Return on Invested Capital (CROIC) |
|
2.94% |
2.50% |
-19.38% |
14.03% |
-9.97% |
6.27% |
-11.07% |
-26.59% |
7.77% |
-12.10% |
7.45% |
Operating Return on Assets (OROA) |
|
1.70% |
1.54% |
1.66% |
1.86% |
1.68% |
1.89% |
1.88% |
1.90% |
1.73% |
1.71% |
1.57% |
Return on Assets (ROA) |
|
1.26% |
1.19% |
1.23% |
1.37% |
1.24% |
1.40% |
1.41% |
1.41% |
1.31% |
1.28% |
1.18% |
Return on Common Equity (ROCE) |
|
11.16% |
10.34% |
11.18% |
12.79% |
12.08% |
12.94% |
13.28% |
13.14% |
11.90% |
11.32% |
10.47% |
Return on Equity Simple (ROE_SIMPLE) |
|
11.03% |
0.00% |
11.26% |
11.72% |
10.98% |
0.00% |
11.33% |
11.42% |
10.95% |
0.00% |
10.48% |
Net Operating Profit after Tax (NOPAT) |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
NOPAT Margin |
|
28.02% |
25.85% |
26.35% |
28.86% |
26.92% |
29.37% |
30.13% |
29.86% |
29.78% |
28.97% |
27.40% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
45.60% |
44.12% |
42.50% |
42.36% |
44.60% |
40.98% |
42.95% |
42.86% |
42.77% |
44.10% |
44.89% |
Operating Expenses to Revenue |
|
57.10% |
56.45% |
53.71% |
54.53% |
55.22% |
53.17% |
53.27% |
53.55% |
53.35% |
54.87% |
54.74% |
Earnings before Interest and Taxes (EBIT) |
|
31 |
29 |
32 |
35 |
38 |
40 |
41 |
40 |
40 |
40 |
37 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
37 |
28 |
36 |
39 |
30 |
55 |
43 |
43 |
32 |
53 |
39 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.98 |
1.08 |
1.00 |
0.82 |
0.92 |
1.02 |
0.94 |
1.01 |
1.08 |
1.18 |
1.03 |
Price to Tangible Book Value (P/TBV) |
|
1.25 |
1.37 |
1.24 |
1.02 |
1.19 |
1.29 |
1.18 |
1.25 |
1.32 |
1.44 |
1.25 |
Price to Revenue (P/Rev) |
|
2.33 |
2.58 |
2.37 |
1.91 |
2.27 |
2.61 |
2.39 |
2.57 |
2.94 |
3.15 |
2.86 |
Price to Earnings (P/E) |
|
8.96 |
9.47 |
8.88 |
7.01 |
8.39 |
9.37 |
8.31 |
8.85 |
9.87 |
10.62 |
9.86 |
Dividend Yield |
|
1.84% |
1.62% |
1.71% |
2.03% |
1.86% |
1.56% |
1.68% |
1.52% |
1.34% |
1.25% |
1.41% |
Earnings Yield |
|
11.16% |
10.56% |
11.27% |
14.27% |
11.92% |
10.67% |
12.04% |
11.30% |
10.13% |
9.41% |
10.14% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.85 |
0.92 |
0.82 |
0.69 |
0.72 |
0.87 |
0.63 |
0.66 |
0.79 |
0.80 |
0.79 |
Enterprise Value to Revenue (EV/Rev) |
|
4.07 |
4.35 |
3.83 |
2.96 |
3.41 |
3.42 |
2.97 |
3.39 |
3.46 |
3.65 |
3.60 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
9.90 |
11.18 |
9.56 |
7.17 |
9.29 |
8.32 |
7.07 |
8.06 |
8.11 |
8.69 |
8.83 |
Enterprise Value to EBIT (EV/EBIT) |
|
11.88 |
12.23 |
10.86 |
8.11 |
9.44 |
9.09 |
7.66 |
8.67 |
8.69 |
9.21 |
9.31 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
15.57 |
15.95 |
14.34 |
10.84 |
12.64 |
12.28 |
10.31 |
11.67 |
11.63 |
12.28 |
12.41 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
6.00 |
6.37 |
7.27 |
6.47 |
6.20 |
7.98 |
6.58 |
7.82 |
11.90 |
8.47 |
10.52 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
29.28 |
37.67 |
0.00 |
4.72 |
0.00 |
13.87 |
0.00 |
0.00 |
10.15 |
0.00 |
10.59 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.02 |
0.98 |
0.97 |
0.84 |
0.93 |
0.54 |
0.86 |
1.03 |
0.61 |
0.70 |
0.64 |
Long-Term Debt to Equity |
|
0.15 |
0.96 |
0.97 |
0.14 |
0.16 |
0.49 |
0.14 |
1.03 |
0.13 |
0.67 |
0.13 |
Financial Leverage |
|
0.90 |
0.86 |
0.75 |
0.98 |
0.97 |
0.74 |
0.91 |
0.95 |
0.75 |
0.63 |
0.74 |
Leverage Ratio |
|
8.89 |
8.77 |
9.07 |
9.31 |
9.73 |
9.25 |
9.39 |
9.32 |
9.11 |
8.83 |
8.88 |
Compound Leverage Factor |
|
8.89 |
8.77 |
9.07 |
9.31 |
9.73 |
9.25 |
9.39 |
9.32 |
9.11 |
8.83 |
8.88 |
Debt to Total Capital |
|
50.57% |
49.53% |
49.31% |
45.74% |
48.24% |
35.27% |
46.18% |
50.72% |
37.71% |
41.17% |
39.01% |
Short-Term Debt to Total Capital |
|
43.24% |
1.01% |
0.00% |
38.32% |
40.13% |
3.39% |
38.47% |
0.00% |
29.48% |
1.73% |
31.18% |
Long-Term Debt to Total Capital |
|
7.33% |
48.51% |
49.31% |
7.42% |
8.11% |
31.88% |
7.71% |
50.72% |
8.23% |
39.43% |
7.82% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
49.43% |
50.47% |
50.82% |
54.26% |
51.76% |
64.73% |
53.82% |
49.36% |
62.29% |
58.83% |
60.99% |
Debt to EBITDA |
|
5.90 |
5.99 |
5.76 |
4.76 |
6.24 |
3.39 |
5.19 |
6.23 |
3.85 |
4.47 |
4.34 |
Net Debt to EBITDA |
|
4.23 |
4.56 |
3.64 |
2.54 |
3.12 |
1.97 |
1.37 |
1.95 |
1.23 |
1.17 |
1.81 |
Long-Term Debt to EBITDA |
|
0.85 |
5.86 |
5.76 |
0.77 |
1.05 |
3.06 |
0.87 |
6.23 |
0.84 |
4.29 |
0.87 |
Debt to NOPAT |
|
9.28 |
8.54 |
8.64 |
7.19 |
8.49 |
5.00 |
7.57 |
9.02 |
5.53 |
6.32 |
6.10 |
Net Debt to NOPAT |
|
6.65 |
6.50 |
5.47 |
3.84 |
4.24 |
2.90 |
2.00 |
2.82 |
1.76 |
1.66 |
2.55 |
Long-Term Debt to NOPAT |
|
1.35 |
8.37 |
8.64 |
1.17 |
1.43 |
4.52 |
1.26 |
9.02 |
1.21 |
6.06 |
1.22 |
Noncontrolling Interest Sharing Ratio |
|
0.66% |
0.65% |
-0.24% |
0.00% |
0.00% |
0.00% |
-0.11% |
-0.10% |
0.00% |
0.00% |
0.00% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-16 |
-28 |
-335 |
150 |
-237 |
17 |
-275 |
-567 |
48 |
-295 |
49 |
Operating Cash Flow to CapEx |
|
4,990.70% |
11,415.79% |
17,485.77% |
3,444.83% |
5,965.22% |
-494.13% |
41,836.24% |
5,507.00% |
3,049.77% |
2,871.06% |
1,344.88% |
Free Cash Flow to Firm to Interest Expense |
|
-1.45 |
-1.63 |
-13.80 |
4.82 |
-5.36 |
0.35 |
-5.20 |
-10.29 |
0.81 |
-5.78 |
1.04 |
Operating Cash Flow to Interest Expense |
|
2.97 |
2.02 |
2.02 |
1.39 |
1.78 |
-0.10 |
1.18 |
0.73 |
0.34 |
1.04 |
0.58 |
Operating Cash Flow Less CapEx to Interest Expense |
|
2.91 |
2.00 |
2.01 |
1.35 |
1.75 |
-0.12 |
1.18 |
0.72 |
0.32 |
1.00 |
0.54 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.04 |
0.04 |
0.04 |
Fixed Asset Turnover |
|
4.64 |
5.41 |
5.67 |
5.98 |
5.93 |
6.27 |
6.59 |
6.75 |
6.19 |
6.40 |
6.59 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
1,512 |
1,517 |
1,570 |
1,500 |
1,777 |
1,530 |
1,875 |
2,096 |
1,760 |
1,855 |
1,854 |
Invested Capital Turnover |
|
0.21 |
0.22 |
0.24 |
0.22 |
0.23 |
0.25 |
0.23 |
0.23 |
0.23 |
0.24 |
0.22 |
Increase / (Decrease) in Invested Capital |
|
39 |
51 |
359 |
-124 |
265 |
12 |
305 |
596 |
-17 |
326 |
-20 |
Enterprise Value (EV) |
|
1,284 |
1,403 |
1,285 |
1,035 |
1,276 |
1,324 |
1,179 |
1,377 |
1,396 |
1,483 |
1,471 |
Market Capitalization |
|
735 |
831 |
795 |
669 |
847 |
1,011 |
950 |
1,044 |
1,185 |
1,283 |
1,169 |
Book Value per Share |
|
$19.93 |
$20.43 |
$21.15 |
$21.58 |
$21.05 |
$22.65 |
$22.74 |
$23.45 |
$24.77 |
$24.59 |
$25.31 |
Tangible Book Value per Share |
|
$15.65 |
$16.19 |
$16.97 |
$17.45 |
$16.36 |
$17.99 |
$18.18 |
$18.90 |
$20.26 |
$20.13 |
$20.90 |
Total Capital |
|
1,512 |
1,517 |
1,570 |
1,500 |
1,777 |
1,530 |
1,875 |
2,096 |
1,760 |
1,855 |
1,854 |
Total Debt |
|
765 |
751 |
774 |
686 |
857 |
540 |
866 |
1,063 |
664 |
764 |
723 |
Total Long-Term Debt |
|
111 |
736 |
774 |
111 |
144 |
488 |
144 |
1,063 |
145 |
732 |
145 |
Net Debt |
|
549 |
572 |
490 |
366 |
429 |
313 |
229 |
333 |
211 |
201 |
302 |
Capital Expenditures (CapEx) |
|
0.66 |
0.30 |
0.28 |
1.26 |
1.32 |
1.01 |
0.15 |
0.73 |
0.65 |
1.84 |
2.01 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
765 |
751 |
774 |
686 |
857 |
540 |
866 |
1,063 |
664 |
764 |
723 |
Total Depreciation and Amortization (D&A) |
|
6.52 |
-0.99 |
3.34 |
3.27 |
-7.96 |
15 |
2.50 |
2.48 |
-8.45 |
13 |
1.39 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.61 |
$0.61 |
$0.65 |
$0.70 |
$0.66 |
$0.68 |
$0.70 |
$0.68 |
$0.70 |
$0.70 |
$0.65 |
Adjusted Weighted Average Basic Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Adjusted Diluted Earnings per Share |
|
$0.61 |
$0.61 |
$0.64 |
$0.70 |
$0.65 |
$0.68 |
$0.70 |
$0.68 |
$0.69 |
$0.68 |
$0.64 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
23 |
23 |
24 |
26 |
28 |
31 |
30 |
30 |
30 |
30 |
28 |
Normalized NOPAT Margin |
|
28.02% |
26.18% |
26.37% |
28.86% |
26.92% |
30.83% |
30.13% |
29.86% |
29.78% |
28.97% |
27.40% |
Pre Tax Income Margin |
|
37.73% |
33.53% |
35.48% |
39.07% |
36.38% |
39.66% |
40.15% |
40.37% |
39.31% |
38.56% |
36.35% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
2.77 |
1.71 |
1.33 |
1.14 |
0.86 |
0.81 |
0.77 |
0.73 |
0.68 |
0.79 |
0.80 |
NOPAT to Interest Expense |
|
2.05 |
1.32 |
0.99 |
0.84 |
0.64 |
0.60 |
0.58 |
0.54 |
0.51 |
0.59 |
0.61 |
EBIT Less CapEx to Interest Expense |
|
2.71 |
1.69 |
1.32 |
1.10 |
0.83 |
0.79 |
0.77 |
0.72 |
0.67 |
0.75 |
0.76 |
NOPAT Less CapEx to Interest Expense |
|
1.99 |
1.30 |
0.97 |
0.80 |
0.61 |
0.58 |
0.57 |
0.53 |
0.50 |
0.56 |
0.56 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
16.76% |
15.46% |
14.93% |
13.93% |
13.89% |
13.52% |
13.25% |
13.51% |
13.16% |
13.12% |
13.77% |
Augmented Payout Ratio |
|
37.71% |
35.10% |
14.93% |
13.93% |
13.89% |
13.52% |
13.25% |
13.51% |
13.16% |
13.12% |
14.35% |
Key Financial Trends
Byline Bancorp (NYSE:BY) has demonstrated several key financial trends over the past four years, based on recent quarterly income statements, cash flow statements, and balance sheets. Below is an analysis of important trends and financial health indicators for retail investors to consider.
- Consistent growth in total assets over the last four years, increasing from approximately $7.13 billion in Q2 2022 to $9.58 billion in Q1 2025, indicating overall business expansion.
- Loans and leases net of allowance have grown steadily, reaching about $6.93 billion in Q1 2025 from about $5.11 billion in Q2 2022, reflecting growth in core lending activities.
- Net interest income remained robust and stable, consistently around $85-88 million per quarter from Q1 2024 through Q1 2025, supporting steady revenue generation from core banking operations.
- Net income attributable to common shareholders has generally increased year-over-year, with Q1 2025 reporting $28.2 million compared to $20.3 million in Q2 2022, signaling improving profitability.
- Strong operating cash flows continue, with net cash from continuing operating activities at $27.1 million in Q1 2025, reflecting healthy cash generation from core operations.
- Total deposits have increased, with interest-bearing deposits rising to approximately $5.84 billion in Q1 2025 from $3.21 billion in Q2 2022, showing growing customer deposit base and funding stability.
- Total non-interest income shows moderate fluctuations, with Q1 2025 at $14.9 million, slightly down from highs of $16.1 million in Q4 2024; this reflects some variability in fee and capital gains income.
- Net interest margin pressures may arise due to increasing interest expense on deposits and debt, total interest expense increased from approximately $4.9 million in Q2 2022 to over $46.6 million in Q1 2025, indicating costs rising with liabilities.
- Provision for credit losses has fluctuated but generally increased, with $9.2 million in Q1 2025 up from $5.9 million in Q2 2022, which could indicate heightened credit risk or more conservative reserves.
- Net cash used in investing activities remains significantly negative, -$218 million in Q1 2025 stemming mostly from high purchases of investment securities, reducing liquidity availability.
- Long-term debt levels exhibit volatility, with repayment and new issuances fluctuating heavily, which could pressure interest expense and refinancing risk.
- Accumulated other comprehensive income (loss) is negative and has worsened, from -$91.3 million in Q2 2022 to -$96.4 million in Q1 2025, negatively impacting equity and potential investor sentiment.
- Increasing expenses such as salaries, occupancy, and operating expenses are visible; for example, salaries and employee benefits rose to $36.3 million in Q1 2025 from around $27.7 million in Q2 2022, which could pressure margins if revenue growth slows.
Summary: Byline Bancorp has strengthened its asset base and core lending activities over the past four years, resulting in improving profitability and stable net interest income. The bank benefits from growing deposit balances and consistent operational cash flow generation. However, increasing credit loss provisions, rising interest expense, and heavy investment securities purchases create some risks. Expense management and credit quality will be important factors to watch going forward, alongside overall capital position and debt levels.
Retail investors considering BY should view it as a regional bank with stable operational earnings and growth in lending and deposits, but be mindful of moderate risk factors including credit provisions and rising expenses that could affect near-term profitability.
10/16/25 02:10 PM ETAI Generated. May Contain Errors.