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Byline Bancorp (BY) Financials

Byline Bancorp logo
$25.76 +0.28 (+1.08%)
Closing price 08/8/2025 03:59 PM Eastern
Extended Trading
$25.76 0.00 (-0.02%)
As of 08/8/2025 05:46 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for Byline Bancorp

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

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
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

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
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

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
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

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
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

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
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

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
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%

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
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%

Key Financial Trends

Byline Bancorp (NYSE:BY) has demonstrated overall steady financial performance with several key trends evident over the past four years through Q1 2025.

  • Net interest income has generally increased from approximately $68.9 million in Q3 2022 to around $88.2 million in Q1 2025, indicating stable core banking income growth.
  • Non-interest income has seen healthy contributions from net realized and unrealized capital gains and service charges, with total non-interest income rising to $14.9 million in Q1 2025 from about $11.9 million in Q3 2022.
  • Net income attributable to common shareholders rose from roughly $22.7 million in Q3 2022 to $28.2 million in Q1 2025, showing consistent profitability improvements.
  • The company has maintained steady earnings per share (EPS), with diluted EPS rising from about $0.61 in Q3 2022 to $0.64 in Q1 2025, supported by modest growth in net income and shareholder equity.
  • Total assets increased from about $7.3 billion in Q3 2022 to nearly $9.6 billion by Q1 2025, suggesting expansion in the bank’s asset base and lending capacity.
  • The allowance for loan and lease losses fluctuated but remained around $100 million, indicating ongoing prudent risk management in the loan portfolio.
  • Cash dividends per share have been consistently paid and slightly increased from $0.09 per share in early 2023 to $0.10 in Q1 2025, reflecting management's commitment to returning capital to shareholders.
  • Provision for credit losses increased in recent quarters, reaching $9.2 million in Q1 2025 compared to $4.2 million in Q3 2022, signaling rising credit risk or conservative provisioning.
  • Interest expense on deposits and long-term debt has risen, with total interest expense increasing from $11 million in Q3 2022 to about $46.6 million in Q1 2025, which could pressure net interest margins if not matched by interest income growth.
  • Non-interest expenses, including salaries, occupancy, and other operating expenses, have generally grown from $46.1 million in Q3 2022 to $56.4 million in Q1 2025, which may impact operating efficiency if revenue growth does not keep pace.

In summary, Byline Bancorp shows solid growth in key profitability and asset metrics, backed by consistent EPS and dividend performance. However, rising credit loss provisions and growing interest and non-interest expenses warrant monitoring as they could affect future margins and earnings. Investors may find the bank's expanding asset base and income diversification encouraging, while keeping an eye on operational cost management and credit quality trends.

08/09/25 03:56 PMAI Generated. May Contain Errors.

Frequently Asked Questions About Byline Bancorp's Financials

When does Byline Bancorp's fiscal year end?

According to the most recent income statement we have on file, Byline Bancorp's financial year ends in December. Their financial 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. See Byline Bancorp's forecast for analyst expectations on what’s next for the company.

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%.


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This page (NYSE:BY) was last updated on 8/9/2025 by MarketBeat.com Staff
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