Byline Bancorp (BY) Financials

$27.65 +0.29 (+1.05%)

Closing price 10/3/2025 03:59 PM Eastern

Extended Trading

$27.63 -0.02 (-0.06%)

As of 10/3/2025 04:10 PM Eastern

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.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	-15	67	10	40	56	37	92	88	108	121
Consolidated Net Income / (Loss)	-15	67	22	41	57	37	93	88	108	121
Net Income / (Loss) Continuing Operations	-15	67	22	34	57	37	93	88	108	121
Total Pre-Tax Income	-15	5.48	41	55	77	52	124	115	146	161
Total Revenue	97	117	172	221	272	277	311	323	387	407
Net Interest Income / (Expense)	77	91	123	179	216	215	236	265	331	348
Total Interest Income	83	98	137	207	265	239	249	302	479	566
Loans and Leases Interest Income	70	83	120	185	236	209	223	273	441	502
Investment Securities Interest Income	13	15	16	20	27	29	24	25	31	43
Other Interest Income	0.19	0.39	0.87	1.85	2.29	1.57	2.33	2.76	7.69	20
Total Interest Expense	6.63	7.75	14	28	49	24	13	36	149	218
Deposits Interest Expense	4.31	4.58	7.74	19	36	17	4.50	20	121	192
Long-Term Debt Interest Expense	2.30	2.46	2.86	9.02	12	7.63	8.04	16	27	26
Total Non-Interest Income	21	26	49	50	56	62	74	57	56	59
Trust Fees by Commissions	-	-	0.00	1.55	2.58	2.68	3.07	3.81	4.16	4.31
Other Service Charges	15	18	16	8.87	19	8.68	11	34	33	36
Net Realized & Unrealized Capital Gains on Investments	6.22	7.55	33	32	34	39	48	20	19	18
Provision for Credit Losses	6.97	10	13	19	21	57	0.97	24	32	27
Total Non-Interest Expense	105	101	118	154	174	169	185	184	210	219
Salaries and Employee Benefits	46	51	67	80	95	90	101	118	127	140
Net Occupancy & Equipment Expense	25	25	26	36	34	34	32	30	38	36
Marketing Expense	1.57	0.62	1.04	1.72	3.40	1.29	1.80	2.83	3.80	4.98
Property & Liability Insurance Claims	7.09	5.86	7.03	11	11	8.14	10	10	13	13
Other Operating Expenses	22	14	14	18	21	21	19	15	20	19
Amortization Expense	2.98	3.00	3.07	5.63	7.74	7.62	7.07	6.67	6.01	5.38
Impairment Charge	-	-	-	-	0.57	4.77	12	0.37	2.00	0.00
Income Tax Expense	0.31	-61	19	14	20	14	31	27	38	40
Preferred Stock Dividends Declared	-	-	11	0.78	0.78	0.78	0.78	0.20	0.00	0.00
Basic Earnings per Share	($0.86)	$3.31	$0.39	$1.21	$1.51	$0.96	$2.45	$2.37	$2.69	$2.78
Weighted Average Basic Shares Outstanding	-	20.20M	26.70M	36.37M	38.44M	38.75M	37.83M	37.72M	44.38M	44.68M
Diluted Earnings per Share	($0.86)	$3.27	$0.38	$1.18	$1.48	$0.96	$2.40	$2.34	$2.67	$2.75
Weighted Average Diluted Shares Outstanding	-	20.20M	26.70M	36.37M	38.44M	38.75M	37.83M	37.72M	44.38M	44.68M
Weighted Average Basic & Diluted Shares Outstanding	-	20.20M	26.70M	36.37M	38.44M	38.75M	37.83M	37.72M	44.38M	44.68M
Cash Dividends to Common per Share	-	-	-	-	-	$0.12	$0.30	$0.36	$0.36	$0.36

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
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
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

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
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

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
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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

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
Period end date	6/30/2022	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
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

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
Period end date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
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%

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
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
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%

Financials Breakdown Chart

Key Financial Trends

Byline Bancorp (NYSE: BY) has demonstrated consistent profitability and steady growth in several key financial metrics over the last four years through Q1 2025.

Positive Trends:

Net Interest Income remained robust, increasing from approximately $68.9 million in Q3 2022 to $88.2 million in Q1 2025, indicating strong lending profitability.
Total Revenue has grown steadily, from roughly $80.9 million in Q3 2022 to over $103 million in Q1 2025, showing improving top-line performance.
Net Income attributable to common shareholders increased from about $22.7 million in Q3 2022 to $28.2 million in Q1 2025, reflecting profitable operations and growth in shareholder value.
Loans and Leases, net of allowance climbed consistently from $5.2 billion in Q3 2022 to approximately $6.9 billion by Q1 2025, demonstrating loan portfolio growth.
Total Common Equity rose from about $747 million in Q3 2022 to over $1.13 billion in Q1 2025, improving the company’s capital base and financial stability.
Salaries and employee benefits increased moderately consistent with growth, indicating investment in human capital to support business expansion.
Diluted Earnings Per Share improved from $0.61 in Q3 2022 to $0.64 in Q1 2025, showing enhancing return on equity on a per-share basis.
Provision for credit losses as a percentage of total assets remained controlled, indicating prudent risk management in lending operations.

Neutral Observations:

Total Non-Interest Income fluctuated over the years, influenced by realized and unrealized capital gains on investments as well as service charges, showing normal volatility in fee-related revenues.
Net Cash Provided by Operating Activities varied significantly quarter to quarter, reflecting changes in operating assets and liabilities and timing of cash flows.

Negative Trends:

Interest Expense has increased over time from $11 million in Q3 2022 to $46.6 million in Q1 2025, indicating rising funding costs, primarily from deposits and debt.
Total Non-Interest Expenses showed an upward trend, increasing from about $43.8 million in Q3 2022 to $56.4 million in Q1 2025, which may pressure operating margins unless offset by revenue growth.
Cash and Due from Banks balances varied with no clear upward trend, which may affect liquidity availability in certain periods.
Accumulated Other Comprehensive Income / (Loss) remains negative and has increased in magnitude, indicating potential unrealized losses or other equity impacts that may affect shareholders’ equity quality.
Net Cash Used in Investing Activities has shown substantial outflows, mainly due to large purchases of investment securities, which could affect liquidity if funding sources become constrained.

Overall, Byline Bancorp displays solid growth in lending, revenue, and profitability with a strengthening equity base. However, rising interest and non-interest expenses and investment outflows require ongoing management attention to maintain favorable margins and liquidity.

10/05/25 06:47 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Byline Bancorp's Financials

When does Byline Bancorp's financial year end?

According to the most recent income statement we have on file, Byline Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Byline Bancorp's net income changed over the last 9 years?

Byline Bancorp's net income appears to be on an upward trend, with a most recent value of $120.76 million in 2024, falling from -$14.97 million in 2015. The previous period was $107.88 million in 2023. Check out Byline Bancorp's forecast to explore projected trends and price targets.

How has Byline Bancorp's revenue changed over the last 9 years?

Over the last 9 years, Byline Bancorp's total revenue changed from $97.47 million in 2015 to $406.90 million in 2024, a change of 317.5%.

How much debt does Byline Bancorp have?

Byline Bancorp's total liabilities were at $8.41 billion at the end of 2024, a 6.5% increase from 2023, and a 188.5% increase since 2016.

How much cash does Byline Bancorp have?

In the past 8 years, Byline Bancorp's cash and equivalents has ranged from $17.74 million in 2016 to $62.27 million in 2022, and is currently $58.76 million as of their latest financial filing in 2024.

How has Byline Bancorp's book value per share changed over the last 9 years?

Over the last 9 years, Byline Bancorp's book value per share changed from 0.00 in 2015 to 24.59 in 2024, a change of 2,459.2%.

Related Companies

This page (NYSE:BY) was last updated on 10/5/2025 by MarketBeat.com Staff

From Our Partners

Get 30 Days of MarketBeat All Access for Free

Start Your 30-Day Trial

In-depth profiles and analysis for 20,000 public companies.
Real-time analyst ratings, insider transactions, earnings data, and more.
Our daily ratings and market update email newsletter.

Sign In
Create Account

Your Email Address:

Your Password:

Forgot your password?

Your Email Address:

Choose a Password:

By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Byline Bancorp (BY) Financials

Financials Breakdown Chart

Key Financial Trends

Frequently Asked Questions About Byline Bancorp's Financials

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools

About MarketBeat

MarketBeat Products

Popular Tools

Financial Calendars

Terms & Info

Byline Bancorp (BY) Financials

Annual Income Statements for Byline Bancorp

Quarterly Income Statements for Byline Bancorp

Annual Cash Flow Statements for Byline Bancorp

Quarterly Cash Flow Statements for Byline Bancorp

Annual Balance Sheets for Byline Bancorp

Quarterly Balance Sheets for Byline Bancorp

Annual Metrics And Ratios for Byline Bancorp

Quarterly Metrics And Ratios for Byline Bancorp

Financials Breakdown Chart

Key Financial Trends

Frequently Asked Questions About Byline Bancorp's Financials

MarketBeat All Access Features

Best-in-Class Portfolio Monitoring

Stock Ideas and Recommendations

Advanced Stock Screeners and Research Tools