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Byline Bancorp (BY) Financials

Byline Bancorp logo
$26.60 -0.59 (-2.15%)
As of 01:33 PM Eastern
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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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 121 108 88 92 37 56 40 10 67 -15
Consolidated Net Income / (Loss)		 121 108 88 93 37 57 41 22 67 -15
Net Income / (Loss) Continuing Operations		 121 108 88 93 37 57 34 22 67 -15
Total Pre-Tax Income 		161 146 115 124 52 77 55 41 5.48 -15
Total Revenue		 407 387 323 311 277 272 221 172 117 97
Net Interest Income / (Expense)		 348 331 265 236 215 216 179 123 91 77
Total Interest Income		 566 479 302 249 239 265 207 137 98 83
Loans and Leases Interest Income		 502 441 273 223 209 236 185 120 83 70
Investment Securities Interest Income		 43 31 25 24 29 27 20 16 15 13
Other Interest Income		 20 7.69 2.76 2.33 1.57 2.29 1.85 0.87 0.39 0.19
Total Interest Expense		 218 149 36 13 24 49 28 14 7.75 6.63
Deposits Interest Expense		 192 121 20 4.50 17 36 19 7.74 4.58 4.31
Long-Term Debt Interest Expense		 26 27 16 8.04 7.63 12 9.02 2.86 2.46 2.30
Total Non-Interest Income		 59 56 57 74 62 56 50 49 26 21
Trust Fees by Commissions		 4.31 4.16 3.81 3.07 2.68 2.58 1.55 0.00 - -
Other Service Charges		 36 33 34 11 8.68 19 8.87 16 18 15
Net Realized & Unrealized Capital Gains on Investments		 18 19 20 48 39 34 32 33 7.55 6.22
Provision for Credit Losses		 27 32 24 0.97 57 21 19 13 10 6.97
Total Non-Interest Expense		 219 210 184 185 169 174 154 118 101 105
Salaries and Employee Benefits		 140 127 118 101 90 95 80 67 51 46
Net Occupancy & Equipment Expense		 36 38 30 32 34 34 36 26 25 25
Marketing Expense		 4.98 3.80 2.83 1.80 1.29 3.40 1.72 1.04 0.62 1.57
Property & Liability Insurance Claims		 13 13 10 10 8.14 11 11 7.03 5.86 7.09
Other Operating Expenses		 19 20 15 19 21 21 18 14 14 22
Amortization Expense		 5.38 6.01 6.67 7.07 7.62 7.74 5.63 3.07 3.00 2.98
Impairment Charge		 0.00 2.00 0.37 12 4.77 0.57 - - - -
Income Tax Expense		 40 38 27 31 14 20 14 19 -61 0.31
Preferred Stock Dividends Declared		 0.00 0.00 0.20 0.78 0.78 0.78 0.78 11 - -
Basic Earnings per Share		 $2.78 $2.69 $2.37 $2.45 $0.96 $1.51 $1.21 $0.39 $3.31 ($0.86)
Weighted Average Basic Shares Outstanding		 44.68M 44.38M 37.72M 37.83M 38.75M 38.44M 36.37M 26.70M 20.20M -
Diluted Earnings per Share		 $2.75 $2.67 $2.34 $2.40 $0.96 $1.48 $1.18 $0.38 $3.27 ($0.86)
Weighted Average Diluted Shares Outstanding		 44.68M 44.38M 37.72M 37.83M 38.75M 38.44M 36.37M 26.70M 20.20M -
Weighted Average Basic & Diluted Shares Outstanding		 44.68M 44.38M 37.72M 37.83M 38.75M 38.44M 36.37M 26.70M 20.20M -
Cash Dividends to Common per Share		 $0.36 $0.36 $0.36 $0.30 $0.12 - - - - -

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 28 30 30 30 30 30 28 26 24 23 23
Consolidated Net Income / (Loss)		 28 30 30 30 30 30 28 26 24 23 23
Net Income / (Loss) Continuing Operations		 28 30 30 30 30 30 28 26 24 23 23
Total Pre-Tax Income 		37 40 40 40 41 40 38 35 32 29 31
Total Revenue		 103 105 102 99 101 101 105 90 91 88 81
Net Interest Income / (Expense)		 88 89 87 87 86 86 92 76 76 76 69
Total Interest Income		 135 140 146 142 138 136 137 107 100 93 80
Loans and Leases Interest Income		 121 124 128 127 124 124 125 99 92 85 73
Investment Securities Interest Income		 12 12 11 11 9.73 9.23 8.42 6.56 6.60 6.57 6.40
Other Interest Income		 1.49 4.19 6.84 4.53 4.80 2.35 2.71 1.58 1.06 1.24 0.68
Total Interest Expense		 47 51 59 55 53 49 44 31 24 17 11
Deposits Interest Expense		 42 47 52 48 46 43 37 25 16 11 5.97
Long-Term Debt Interest Expense		 4.59 4.35 6.91 7.44 6.82 6.08 6.98 6.38 7.99 6.59 5.06
Total Non-Interest Income		 15 16 14 13 15 15 12 14 15 12 12
Trust Fees by Commissions		 1.08 1.11 1.10 0.94 1.16 1.26 0.94 1.04 0.92 0.86 1.00
Other Service Charges		 9.08 12 7.03 8.72 8.39 8.16 8.92 8.22 8.07 8.07 8.34
Net Realized & Unrealized Capital Gains on Investments		 4.70 2.90 6.25 3.18 5.93 5.09 2.51 5.03 6.15 2.80 2.66
Provision for Credit Losses		 9.18 6.88 7.48 6.05 6.64 7.24 8.80 5.79 9.83 8.80 4.18
Total Non-Interest Expense		 56 57 54 53 54 54 58 49 49 50 46
Salaries and Employee Benefits		 36 37 35 34 34 32 35 30 30 32 30
Net Occupancy & Equipment Expense		 10 8.88 8.59 8.68 9.43 9.33 12 8.68 8.23 6.94 7.29
Property & Liability Insurance Claims		 3.25 3.36 3.64 3.71 2.72 2.35 3.81 3.68 3.11 3.20 2.73
Other Operating Expenses		 5.79 1.59 5.78 5.57 6.36 2.60 5.78 5.88 5.59 2.83 4.96
Amortization Expense		 1.12 1.35 1.35 1.35 1.35 1.55 1.55 1.46 1.46 1.60 1.61
Impairment Charge		 0.00 - 0.00 0.00 0.00 1.98 0.00 0.00 0.02 0.37 0.00
Income Tax Expense		 9.22 10 9.71 10 10 10 9.91 9.23 8.29 6.75 7.86
Basic Earnings per Share		 $0.65 $0.70 $0.70 $0.68 $0.70 $0.68 $0.66 $0.70 $0.65 $0.61 $0.61
Weighted Average Basic Shares Outstanding		 46.15M 44.68M 44.39M 44.26M 44.12M 44.38M 43.72M 43.69M 37.71M 37.72M 37.48M
Diluted Earnings per Share		 $0.64 $0.68 $0.69 $0.68 $0.70 $0.68 $0.65 $0.70 $0.64 $0.61 $0.61
Weighted Average Diluted Shares Outstanding		 46.15M 44.68M 44.39M 44.26M 44.12M 44.38M 43.72M 43.69M 37.71M 37.72M 37.48M
Weighted Average Basic & Diluted Shares Outstanding		 46.15M 44.68M 44.39M 44.26M 44.12M 44.38M 43.72M 43.69M 37.71M 37.72M 37.48M
Cash Dividends to Common per Share		 $0.10 - $0.09 $0.09 $0.09 - $0.09 $0.09 $0.09 - $0.09

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 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Change in Cash & Equivalents		 337 47 21 75 2.68 -41 64 12 1.65 -112
Net Cash From Operating Activities		 175 166 220 74 109 29 80 27 4.24 -43
Net Cash From Continuing Operating Activities		 175 166 220 74 109 29 80 27 4.24 -43
Net Income / (Loss) Continuing Operations		 121 108 88 93 37 57 41 22 67 -15
Consolidated Net Income / (Loss)		 121 108 88 93 37 57 41 22 67 -15
Provision For Loan Losses		 27 32 24 0.97 57 21 19 13 10 6.97
Depreciation Expense		 5.03 4.53 4.29 5.99 6.48 6.39 5.58 5.19 5.06 5.80
Amortization Expense		 4.62 9.05 6.56 15 16 -13 -12 -1.92 6.63 -32
Non-Cash Adjustments to Reconcile Net Income		 -45 21 56 4.79 -40 -23 34 0.91 -73 -0.03
Changes in Operating Assets and Liabilities, net		 63 -8.37 41 -46 33 -18 -7.45 -12 -12 -9.04
Net Cash From Investing Activities		 -331 -336 -820 -236 -886 -251 -369 -62 -302 -189
Net Cash From Continuing Investing Activities		 -331 -336 -820 -236 -886 -251 -369 -62 -302 -189
Purchase of Property, Leasehold Improvements and Equipment		 -3.99 -3.86 -3.63 -2.24 -3.92 -4.27 -2.58 -2.54 -5.95 -4.02
Purchase of Investment Securities		 -610 -631 -1,011 -933 -1,532 -576 -508 -206 -1,074 -1,026
Sale of Property, Leasehold Improvements and Equipment		 0.62 0.00 0.03 0.30 0.03 0.00 1.44 5.37 3.72 1.35
Divestitures		 0.00 7.83 0.00 0.00 0.00 4.31 20 - - -
Sale and/or Maturity of Investments		 282 291 194 699 649 325 119 141 786 840
Net Cash From Financing Activities		 493 217 621 236 780 180 353 47 299 121
Net Cash From Continuing Financing Activities		 493 217 621 236 780 180 353 47 299 121
Net Change in Deposits		 281 515 540 403 605 108 285 -46 -51 81
Issuance of Debt		 2,775 17,730 22,270 13,337 9,542 8,516 5,932 3,037 6,542 1,944
Issuance of Common Equity		 4.52 1.79 1.51 2.14 3.63 3.73 2.54 77 50 -
Repayment of Debt		 -2,743 -18,041 -22,135 -13,650 -9,804 -8,462 -5,868 -3,010 -6,255 -1,906
Repurchase of Preferred Equity		 0.00 0.00 -10 0.00 0.00 - - -15 - -
Repurchase of Common Equity		 0.00 0.00 -17 -29 -1.67 0.00 0.00 - - -
Payment of Dividends		 -16 -15 -14 -12 -6.49 -0.78 -0.78 -11 - -
Other Financing Activities, Net		 191 25 -14 184 442 15 2.98 14 4.59 1.93
Cash Interest Paid		 217 129 31 13 26 48 26 15 6.15 10
Cash Income Taxes Paid		 12 12 29 35 14 19 3.51 2.85 -0.25 -

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 -142 111 -278 94 411 -203 109 36 105 -37 74
Net Cash From Operating Activities		 27 53 20 40 62 -4.97 79 43 49 35 33
Net Cash From Continuing Operating Activities		 27 53 20 40 62 -4.97 79 43 49 35 33
Net Income / (Loss) Continuing Operations		 28 30 30 30 30 30 28 26 24 23 23
Consolidated Net Income / (Loss)		 28 30 30 30 30 30 28 26 24 23 23
Provision For Loan Losses		 9.18 6.88 7.48 6.05 6.64 7.24 8.80 5.79 9.83 8.80 4.18
Depreciation Expense		 1.16 1.20 1.25 1.28 1.31 1.34 1.26 0.95 0.98 1.01 1.04
Amortization Expense		 0.23 12 -9.69 1.21 1.19 14 -9.22 2.32 2.36 -2.00 5.48
Non-Cash Adjustments to Reconcile Net Income		 -76 -22 24 6.27 -54 9.02 9.37 17 -14 27 -9.83
Changes in Operating Assets and Liabilities, net		 64 24 -34 -4.32 77 -66 40 -8.34 26 -23 9.22
Net Cash From Investing Activities		 -218 -0.19 -47 -138 -147 -99 -135 -21 -81 -138 -81
Net Cash From Continuing Investing Activities		 -218 -0.19 -47 -138 -147 -99 -135 -21 -81 -138 -81
Purchase of Property, Leasehold Improvements and Equipment		 -2.01 -2.10 -0.65 -0.73 -0.51 -1.01 -1.32 -1.26 -0.28 -0.30 -0.66
Purchase of Investment Securities		 -271 -78 -92 -230 -209 -128 -343 -53 -106 -169 -125
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.26 - 0.00 0.36 - - - 0.00 - -
Sale and/or Maturity of Investments		 56 80 47 94 62 30 201 33 26 31 45
Net Cash From Financing Activities		 49 58 -251 191 495 -99 165 14 137 66 122
Net Cash From Continuing Financing Activities		 49 61 -254 191 495 -99 165 14 137 66 122
Net Change in Deposits		 95 -40 150 -3.30 173 222 71 104 118 83 224
Issuance of Debt		 3,065 405 670 1,130 570 2,052 5,955 3,623 6,100 5,714 4,168
Issuance of Common Equity		 0.01 1.33 2.32 - - 0.84 0.35 - - 0.58 -
Repayment of Debt		 -3,102 -502 -872 -932 -438 -2,372 -5,860 -3,708 -6,100 -5,689 -4,263
Repurchase of Common Equity		 -0.69 - - - - - - - - - -4.16
Payment of Dividends		 -4.37 -3.93 -3.92 -4.12 -3.89 -3.88 -4.05 -3.33 -3.32 -3.32 -3.32
Other Financing Activities, Net		 -3.86 199 -201 -0.77 194 2.37 2.86 -2.89 22 -39 0.86
Cash Interest Paid		 51 50 65 50 53 46 36 27 19 15 8.66

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 2024 2023 2022 2021 2020 2019 2018 2017 2016
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016
Total Assets		 9,497 8,882 7,363 6,696 6,391 5,522 4,943 3,366 3,296
Cash and Due from Banks		 59 60 62 35 41 48 30 19 18
Interest Bearing Deposits at Other Banks		 504 166 117 123 42 33 92 39 29
Trading Account Securities		 1,429 1,370 1,233 1,533 1,468 1,210 937 706 771
Loans and Leases, Net of Allowance		 6,809 6,583 5,339 4,482 4,274 3,754 3,476 2,261 2,137
Loans and Leases		 6,907 6,684 5,421 4,537 4,341 3,786 3,502 2,277 2,148
Allowance for Loan and Lease Losses		 98 102 82 55 66 32 25 17 11
Customer and Other Receivables		 39 35 12 12 141 43 - - -
Premises and Equipment, Net		 61 67 57 63 87 96 98 95 102
Goodwill		 182 182 148 148 148 148 128 55 52
Intangible Assets		 16 22 11 17 24 32 33 17 20
Other Assets		 398 397 384 282 164 157 148 175 167
Total Liabilities & Shareholders' Equity		 9,497 8,882 7,363 6,696 6,391 5,522 4,943 3,366 3,296
Total Liabilities		 8,405 7,892 6,597 5,860 5,585 4,772 4,292 2,908 2,913
Non-Interest Bearing Deposits		 1,756 1,906 2,139 2,158 1,763 1,280 1,193 761 724
Interest Bearing Deposits		 5,703 5,271 3,556 2,997 2,989 2,868 2,557 1,682 1,766
Short-Term Debt		 32 52 15 30 42 50 34 31 38
Accrued Interest Payable		 21 22 4.49 0.26 1.48 3.68 3.48 1.31 2.43
Long-Term Debt		 732 488 736 600 344 527 462 389 341
Other Long-Term Liabilities		 162 153 146 74 446 43 43 43 42
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 1,091 990 766 836 771 750 651 459 383
Total Preferred & Common Equity		 1,091 990 766 836 805 750 651 459 383
Preferred Stock		 0.00 0.00 0.00 10 10 10 10 10 25
Total Common Equity		 1,091 990 766 826 761 740 640 448 357
Common Stock		 718 711 599 594 588 581 547 392 314
Retained Earnings		 534 429 336 272 191 159 103 61 51
Treasury Stock		 -47 -50 -51 -32 0.00 0.00 - - -
Accumulated Other Comprehensive Income / (Loss)		 -114 -100 -118 -8.30 -18 -0.70 -9.50 -5.09 -7.27

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 Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 9,585 9,424 9,634 9,411 8,943 7,576 7,530 7,278
Cash and Due from Banks		 73 77 68 59 71 60 53 57
Interest Bearing Deposits at Other Banks		 348 376 662 578 358 261 231 160
Trading Account Securities		 1,570 1,532 1,410 1,413 1,256 1,172 1,204 1,227
Loans and Leases, Net of Allowance		 6,925 6,781 6,791 6,676 6,508 5,478 5,425 5,211
Loans and Leases		 7,026 6,879 6,891 6,778 6,613 5,571 5,515 5,275
Allowance for Loan and Lease Losses		 100 99 100 102 106 93 90 65
Premises and Equipment, Net		 60 63 64 64 67 56 56 59
Intangible Assets		 197 199 201 202 205 156 157 160
Other Assets		 411 397 438 418 478 393 404 404
Total Liabilities & Shareholders' Equity		 9,585 9,424 9,634 9,411 8,943 7,576 7,530 7,278
Total Liabilities		 8,454 8,328 8,601 8,401 8,023 6,762 6,735 6,530
Non-Interest Bearing Deposits		 1,716 1,730 1,763 1,852 1,960 1,794 1,952 2,142
Interest Bearing Deposits		 5,838 5,768 5,584 5,498 4,994 4,123 3,861 3,470
Short-Term Debt		 578 519 - 721 713 575 - 654
Accrued Interest Payable		 177 167 190 186 212 158 148 153
Long-Term Debt		 145 145 1,063 144 144 111 774 111
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 - - -
Total Equity & Noncontrolling Interests		 1,131 1,096 1,033 1,009 920 814 796 748
Total Preferred & Common Equity		 1,131 1,096 1,033 1,009 920 814 796 748
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 1,131 1,096 1,035 1,009 920 814 798 748
Common Stock		 714 715 711 709 709 600 598 597
Retained Earnings		 558 508 481 456 403 379 356 327
Treasury Stock		 -44 -48 -46 -49 -50 -50 -49 -52
Accumulated Other Comprehensive Income / (Loss)		 -96 -79 -111 -107 -142 -115 -108 -125

Annual Metrics And Ratios for Byline Bancorp

This table displays calculated financial ratios and metrics derived from Byline Bancorp's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 5.16% 19.93% 3.86% 12.13% 1.91% 23.15% 28.38% 47.56% 19.55% 0.00%
EBITDA Growth		 7.20% 26.87% -13.84% 96.63% 5.06% 70.47% -6.12% 156.56% 141.83% 0.00%
EBIT Growth		 10.57% 27.03% -7.67% 140.41% -33.16% 61.06% 17.64% 643.87% 137.39% 0.00%
NOPAT Growth		 11.94% 22.65% -5.21% 147.64% -34.27% 38.38% 89.87% -67.49% 749.94% 0.00%
Net Income Growth		 11.94% 22.65% -5.21% 147.64% -34.27% 38.38% 89.87% -67.49% 545.63% 0.00%
EPS Growth		 3.00% 14.10% -2.50% 150.00% -35.14% 25.42% 210.53% -88.38% 480.23% 0.00%
Operating Cash Flow Growth		 5.48% -24.63% 196.04% -31.73% 271.91% -63.33% 197.68% 533.92% 109.74% 0.00%
Free Cash Flow Firm Growth		 -314.51% 156.36% 120.41% -205.30% 240.35% 45.48% -135.87% 86.17% 0.00% 0.00%
Invested Capital Growth		 21.28% 0.82% 3.46% 23.11% -10.24% 15.74% 30.46% 15.47% 0.00% 0.00%
Revenue Q/Q Growth		 0.96% 3.47% 2.33% 18.56% -14.03% 7.06% 7.49% 0.00% 0.00% 0.00%
EBITDA Q/Q Growth		 -0.83% 15.93% -3.23% 39.00% -32.78% 25.49% -28.76% 0.00% 0.00% 0.00%
EBIT Q/Q Growth		 0.25% 7.78% 6.15% 63.44% -51.26% 19.86% 11.75% 0.00% 0.00% 0.00%
NOPAT Q/Q Growth		 0.60% 6.83% 6.69% 5.57% -8.68% -2.18% 76.75% 0.00% 0.00% 0.00%
Net Income Q/Q Growth		 0.60% 6.83% 6.69% 5.57% -8.68% -2.18% 76.75% 0.00% 0.00% 0.00%
EPS Q/Q Growth		 0.00% 2.69% 7.34% 6.19% -9.43% -5.13% 73.53% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 49.32% -19.28% 2.98% -51.06% 439.69% -2.07% 4.87% -8.52% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 -248.93% 158.22% -15.07% -179.70% 166.02% 9.98% 0.00% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 5.42% -13.94% 0.32% -0.49% -26.23% 1.20% 2.75% 0.00% 0.00% 0.00%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 41.96% 41.16% 38.91% 46.90% 26.74% 25.94% 18.74% 25.63% 14.74% -42.12%
EBIT Margin		 39.59% 37.65% 35.54% 39.99% 18.65% 28.43% 21.74% 23.73% 4.71% -15.05%
Profit (Net Income) Margin		 29.68% 27.88% 27.26% 29.87% 13.52% 20.97% 18.66% 12.62% 57.27% -15.36%
Tax Burden Percent		 74.97% 74.05% 76.69% 74.70% 72.52% 73.75% 74.30% 53.18% 1,216.79% 102.09%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 115.52% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.03% 25.95% 23.31% 25.30% 27.48% 26.25% 25.70% 46.82% -1,116.79% 0.00%
Return on Invested Capital (ROIC)		 7.14% 7.08% 5.90% 6.98% 2.98% 4.61% 4.07% 2.65% 17.53% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 7.14% 7.08% 5.90% 6.98% 2.98% 4.61% 4.07% 2.65% 17.53% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 4.47% 5.21% 5.08% 4.56% 1.95% 3.53% 3.36% 2.51% 17.34% 0.00%
Return on Equity (ROE)		 11.60% 12.29% 10.98% 11.54% 4.93% 8.14% 7.43% 5.16% 34.88% 0.00%
Cash Return on Invested Capital (CROIC)		 -12.10% 6.27% 2.50% -13.73% 13.76% -9.98% -22.36% -11.71% -182.47% 0.00%
Operating Return on Assets (OROA)		 1.75% 1.79% 1.63% 1.90% 0.87% 1.48% 1.16% 1.22% 0.17% 0.00%
Return on Assets (ROA)		 1.31% 1.33% 1.25% 1.42% 0.63% 1.09% 0.99% 0.65% 2.02% 0.00%
Return on Common Equity (ROCE)		 11.60% 12.29% 10.91% 11.39% 4.86% 8.02% 7.29% 4.94% 32.56% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 11.06% 10.90% 11.49% 11.09% 4.65% 7.60% 6.33% 4.73% 17.44% 0.00%
Net Operating Profit after Tax (NOPAT)		 121 108 88 93 37 57 41 22 67 -10
NOPAT Margin		 29.68% 27.88% 27.26% 29.87% 13.52% 20.97% 18.66% 12.62% 57.27% -10.53%
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		 44.40% 43.62% 46.87% 43.59% 45.08% 48.64% 53.73% 54.90% 64.99% 74.81%
Operating Expenses to Revenue		 53.77% 54.17% 57.05% 59.70% 60.89% 63.95% 69.74% 68.92% 86.41% 107.90%
Earnings before Interest and Taxes (EBIT)		 161 146 115 124 52 77 48 41 5.48 -15
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 171 159 126 146 74 71 41 44 17 -41
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.18 1.02 1.08 1.20 0.74 0.94 0.88 1.40 0.00 0.00
Price to Tangible Book Value (P/TBV)		 1.44 1.29 1.37 1.50 0.96 1.25 1.18 1.67 0.00 0.00
Price to Revenue (P/Rev)		 3.15 2.61 2.58 3.18 2.03 2.57 2.56 3.66 0.00 0.00
Price to Earnings (P/E)		 10.62 9.37 9.47 10.73 15.36 12.43 13.98 60.37 0.00 0.00
Dividend Yield		 1.25% 1.56% 1.62% 1.26% 0.82% 0.16% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 9.41% 10.67% 10.56% 9.32% 6.51% 8.04% 7.15% 1.66% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.87 0.92 1.00 0.74 0.91 0.83 1.14 0.00 0.00
Enterprise Value to Revenue (EV/Rev)		 3.65 3.42 4.35 4.73 3.16 4.43 4.30 5.82 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 8.69 8.32 11.18 10.09 11.83 17.09 22.95 22.72 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 9.21 9.09 12.23 11.83 16.96 15.60 19.79 24.55 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 12.28 12.28 15.95 15.84 23.39 21.15 23.05 46.15 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.47 7.98 6.37 19.75 8.04 41.13 11.88 37.29 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 13.87 37.67 0.00 5.06 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.70 0.54 0.98 0.75 0.50 0.77 0.76 0.92 0.99 0.00
Long-Term Debt to Equity		 0.67 0.49 0.96 0.72 0.45 0.70 0.71 0.85 0.89 0.00
Financial Leverage		 0.63 0.74 0.86 0.65 0.66 0.77 0.83 0.95 0.99 0.00
Leverage Ratio		 8.83 9.25 8.77 8.14 7.83 7.47 7.49 7.92 8.61 0.00
Compound Leverage Factor		 8.83 9.25 8.77 8.14 7.83 7.47 8.65 7.92 8.61 0.00
Debt to Total Capital		 41.17% 35.27% 49.53% 42.97% 33.35% 43.48% 43.25% 47.82% 49.73% 0.00%
Short-Term Debt to Total Capital		 1.73% 3.39% 1.01% 2.03% 3.63% 3.74% 2.98% 3.55% 4.98% 0.00%
Long-Term Debt to Total Capital		 39.43% 31.88% 48.51% 40.94% 29.72% 39.74% 40.27% 44.28% 44.75% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.71% 0.90% 0.79% 0.91% 1.19% 3.34% 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		 58.83% 64.73% 50.47% 56.32% 65.75% 55.74% 55.84% 50.99% 46.93% 0.00%
Debt to EBITDA		 4.47 3.39 5.99 4.33 5.21 8.18 11.99 9.54 22.04 0.00
Net Debt to EBITDA		 1.17 1.97 4.56 3.24 4.08 7.04 9.04 8.21 19.33 0.00
Long-Term Debt to EBITDA		 4.29 3.06 5.86 4.12 4.64 7.48 11.16 8.83 19.83 0.00
Debt to NOPAT		 6.32 5.00 8.54 6.79 10.30 10.12 12.04 19.38 5.67 0.00
Net Debt to NOPAT		 1.66 2.90 6.50 5.09 8.07 8.71 9.08 16.69 4.98 0.00
Long-Term Debt to NOPAT		 6.06 4.52 8.37 6.47 9.18 9.25 11.21 17.94 5.10 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.65% 1.30% 1.37% 1.49% 1.88% 4.27% 6.65% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -205 95 37 -182 173 -123 -226 -96 -694 0.00
Operating Cash Flow to CapEx		 5,199.17% 4,301.14% 6,111.87% 3,836.39% 2,807.70% 687.64% 7,024.17% 0.00% 190.30% -1,631.26%
Free Cash Flow to Firm to Interest Expense		 -0.94 0.64 1.03 -14.55 7.15 -2.54 -7.99 -6.91 -89.64 0.00
Operating Cash Flow to Interest Expense		 0.80 1.12 6.08 5.94 4.50 0.60 2.82 1.93 0.55 -6.56
Operating Cash Flow Less CapEx to Interest Expense		 0.79 1.09 5.98 5.78 4.34 0.52 2.78 2.14 0.26 -6.96
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.00
Fixed Asset Turnover		 6.40 6.27 5.41 4.16 3.03 2.81 2.29 1.74 1.14 0.00
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,855 1,530 1,517 1,467 1,191 1,327 1,147 879 761 0.00
Invested Capital Turnover		 0.24 0.25 0.22 0.23 0.22 0.22 0.22 0.21 0.31 0.00
Increase / (Decrease) in Invested Capital		 326 12 51 275 -136 180 268 118 761 0.00
Enterprise Value (EV)		 1,483 1,324 1,403 1,470 876 1,206 950 1,001 0.00 0.00
Market Capitalization		 1,283 1,011 831 987 563 699 565 629 0.00 0.00
Book Value per Share		 $24.59 $22.65 $20.43 $21.90 $19.71 $19.38 $17.63 $15.29 $17.68 $0.00
Tangible Book Value per Share		 $20.13 $17.99 $16.19 $17.51 $15.24 $14.65 $13.18 $12.86 $14.13 $0.00
Total Capital		 1,855 1,530 1,517 1,467 1,157 1,327 1,147 879 761 0.00
Total Debt		 764 540 751 630 386 577 496 420 379 0.00
Total Long-Term Debt		 732 488 736 600 344 527 462 389 341 0.00
Net Debt		 201 313 572 472 302 496 374 362 332 0.00
Capital Expenditures (CapEx)		 3.37 3.86 3.61 1.94 3.88 4.26 1.14 -2.84 2.23 2.67
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4.71
Net Nonoperating Obligations (NNO)		 764 540 751 630 420 577 496 420 379 0.00
Total Depreciation and Amortization (D&A)		 9.65 14 11 21 22 -6.77 -6.62 3.27 12 -26
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.78 $2.69 $2.37 $2.45 $0.96 $1.51 $1.21 $0.39 $3.31 ($0.86)
Adjusted Weighted Average Basic Shares Outstanding		 44.68M 44.38M 37.72M 37.83M 38.75M 38.44M 36.37M 29.40M 20.20M 0.00
Adjusted Diluted Earnings per Share		 $2.75 $2.67 $2.34 $2.40 $0.96 $1.48 $1.18 $0.38 $3.27 ($0.86)
Adjusted Weighted Average Diluted Shares Outstanding		 44.68M 44.38M 37.72M 37.83M 38.75M 38.44M 36.37M 29.40M 20.20M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.39 $3.31 ($0.86)
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 44.68M 44.38M 37.72M 37.83M 38.75M 38.44M 36.37M 29.40M 20.20M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 121 109 88 103 42 58 41 22 5.04 -10
Normalized NOPAT Margin		 29.68% 28.26% 27.35% 33.09% 15.25% 21.30% 18.66% 12.62% 4.33% -10.53%
Pre Tax Income Margin		 39.59% 37.65% 35.54% 39.99% 18.65% 28.43% 25.12% 23.73% 4.71% -15.05%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.74 0.98 3.17 9.91 2.13 1.59 1.69 2.94 0.71 -2.21
NOPAT to Interest Expense		 0.55 0.72 2.43 7.40 1.54 1.17 1.45 1.56 8.61 -1.55
EBIT Less CapEx to Interest Expense		 0.72 0.95 3.07 9.75 1.97 1.50 1.65 3.14 0.42 -2.61
NOPAT Less CapEx to Interest Expense		 0.54 0.70 2.33 7.25 1.38 1.09 1.41 1.77 8.33 -1.95
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 13.12% 13.52% 15.46% 12.99% 17.33% 1.37% 1.90% 51.98% 0.00% 0.00%
Augmented Payout Ratio		 13.12% 13.52% 35.10% 44.10% 21.78% 1.37% 1.90% 51.98% 0.00% 0.00%

Quarterly Metrics And Ratios for Byline Bancorp

This table displays calculated financial ratios and metrics derived from Byline Bancorp's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.05% 3.85% -2.85% 9.85% 11.17% 14.76% 29.63% 19.36% 16.25% 9.12% 3.23%
EBITDA Growth		 -9.74% -2.60% 4.70% 10.33% 21.04% 92.92% -18.51% 33.82% 14.04% -12.83% -1.29%
EBIT Growth		 -7.62% 0.99% 4.99% 13.51% 25.82% 35.71% 24.98% 35.36% 12.67% 29.12% -9.75%
NOPAT Growth		 -7.20% 2.42% 7.46% 13.65% 27.12% 30.39% 24.57% 28.71% 7.32% 32.08% -10.47%
Net Income Growth		 -7.20% 2.42% 7.46% 13.65% 27.12% 30.39% 24.57% 28.71% 7.32% 32.08% -10.47%
EPS Growth		 -8.57% 0.00% 6.15% -2.86% 9.38% 11.48% 6.56% 29.63% 10.34% 35.56% -7.58%
Operating Cash Flow Growth		 -56.59% 1,164.94% -74.81% -7.36% 26.87% -114.31% 139.96% -27.92% -47.03% 22.53% 250.70%
Free Cash Flow Firm Growth		 117.68% -1,817.50% 120.19% -477.96% 18.02% 161.36% -1,385.32% 165.26% -172.03% 89.15% -109.58%
Invested Capital Growth		 -1.08% 21.28% -0.98% 39.74% 19.44% 0.82% 17.52% -7.62% 29.65% 3.46% 2.62%
Revenue Q/Q Growth		 -1.52% 2.78% 2.49% -1.63% 0.22% -3.85% 15.89% -0.45% 3.46% 8.61% 6.70%
EBITDA Q/Q Growth		 -27.33% 69.28% -25.84% -1.07% -0.53% 81.95% -21.85% 8.53% 7.75% -23.14% 28.33%
EBIT Q/Q Growth		 -7.16% 0.81% -0.19% -1.10% 1.48% 4.81% 7.91% 9.62% 9.46% -3.48% 16.88%
NOPAT Q/Q Growth		 -6.83% -0.03% 2.21% -2.53% 2.82% 4.90% 8.10% 9.03% 5.47% 0.21% 11.70%
Net Income Q/Q Growth		 -6.83% -0.03% 2.21% -2.53% 2.82% 4.90% 8.10% 9.03% 5.47% 0.21% 11.70%
EPS Q/Q Growth		 -5.88% -1.45% 1.47% -2.86% 2.94% 4.62% -7.14% 9.38% 4.92% 0.00% 12.96%
Operating Cash Flow Q/Q Growth		 -48.83% 167.19% -50.70% -35.60% 1,355.26% -106.32% 81.29% -11.80% 41.58% 6.00% -45.55%
Free Cash Flow Firm Q/Q Growth		 116.44% -717.80% 108.44% -106.29% -1,697.66% 107.26% -257.93% 144.74% -1,095.92% -75.77% 93.06%
Invested Capital Q/Q Growth		 -0.04% 5.42% -16.05% 11.82% 22.56% -13.94% 18.47% -4.42% 3.45% 0.32% -6.87%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.70% 51.09% 31.02% 42.87% 42.62% 54.47% 28.78% 42.68% 39.15% 32.40% 45.79%
EBIT Margin		 36.35% 38.56% 39.31% 40.37% 40.15% 39.66% 36.38% 39.07% 35.48% 33.53% 37.73%
Profit (Net Income) Margin		 27.40% 28.97% 29.78% 29.86% 30.13% 29.37% 26.92% 28.86% 26.35% 25.85% 28.02%
Tax Burden Percent		 75.38% 75.12% 75.75% 73.96% 75.05% 74.07% 74.01% 73.88% 74.28% 77.09% 74.25%
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		 24.62% 24.88% 24.25% 26.04% 24.95% 25.93% 25.99% 26.12% 25.72% 22.91% 25.75%
Return on Invested Capital (ROIC)		 6.01% 6.96% 6.79% 6.74% 6.95% 7.46% 6.12% 6.47% 6.36% 5.59% 5.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.01% 6.96% 6.79% 6.74% 6.95% 7.46% 6.12% 6.47% 6.36% 5.59% 5.92%
Return on Net Nonoperating Assets (RNNOA)		 4.46% 4.36% 5.12% 6.39% 6.31% 5.48% 5.95% 6.33% 4.80% 4.82% 5.32%
Return on Equity (ROE)		 10.47% 11.32% 11.90% 13.13% 13.26% 12.94% 12.08% 12.79% 11.16% 10.41% 11.24%
Cash Return on Invested Capital (CROIC)		 7.45% -12.10% 7.77% -26.59% -11.07% 6.27% -9.97% 14.03% -19.38% 2.50% 2.94%
Operating Return on Assets (OROA)		 1.57% 1.71% 1.73% 1.90% 1.88% 1.89% 1.68% 1.86% 1.66% 1.54% 1.70%
Return on Assets (ROA)		 1.18% 1.28% 1.31% 1.41% 1.41% 1.40% 1.24% 1.37% 1.23% 1.19% 1.26%
Return on Common Equity (ROCE)		 10.47% 11.32% 11.90% 13.14% 13.28% 12.94% 12.08% 12.79% 11.18% 10.34% 11.16%
Return on Equity Simple (ROE_SIMPLE)		 10.48% 0.00% 10.95% 11.42% 11.33% 0.00% 10.98% 11.72% 11.26% 0.00% 11.03%
Net Operating Profit after Tax (NOPAT)		 28 30 30 30 30 30 28 26 24 23 23
NOPAT Margin		 27.40% 28.97% 29.78% 29.86% 30.13% 29.37% 26.92% 28.86% 26.35% 25.85% 28.02%
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		 44.89% 44.10% 42.77% 42.86% 42.95% 40.98% 44.60% 42.36% 42.50% 44.12% 45.60%
Operating Expenses to Revenue		 54.74% 54.87% 53.35% 53.55% 53.27% 53.17% 55.22% 54.53% 53.71% 56.45% 57.10%
Earnings before Interest and Taxes (EBIT)		 37 40 40 40 41 40 38 35 32 29 31
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 39 53 32 43 43 55 30 39 36 28 37
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.03 1.18 1.08 1.01 0.95 1.02 0.92 0.82 1.00 1.08 0.98
Price to Tangible Book Value (P/TBV)		 1.25 1.44 1.32 1.25 1.19 1.29 1.19 1.02 1.24 1.37 1.25
Price to Revenue (P/Rev)		 2.86 3.15 2.94 2.57 2.41 2.61 2.27 1.91 2.37 2.58 2.33
Price to Earnings (P/E)		 9.86 10.62 9.87 8.85 8.37 9.37 8.39 7.01 8.88 9.47 8.96
Dividend Yield		 1.41% 1.25% 1.34% 1.52% 1.67% 1.56% 1.86% 2.03% 1.71% 1.62% 1.84%
Earnings Yield		 10.14% 9.41% 10.13% 11.30% 11.95% 10.67% 11.92% 14.27% 11.27% 10.56% 11.16%
Enterprise Value to Invested Capital (EV/IC)		 0.79 0.80 0.79 0.66 0.63 0.87 0.72 0.69 0.82 0.92 0.85
Enterprise Value to Revenue (EV/Rev)		 3.60 3.65 3.46 3.39 2.99 3.42 3.41 2.96 3.83 4.35 4.07
Enterprise Value to EBITDA (EV/EBITDA)		 8.83 8.69 8.11 8.06 7.11 8.32 9.29 7.17 9.56 11.18 9.90
Enterprise Value to EBIT (EV/EBIT)		 9.31 9.21 8.69 8.67 7.70 9.09 9.44 8.11 10.86 12.23 11.88
Enterprise Value to NOPAT (EV/NOPAT)		 12.41 12.28 11.63 11.67 10.37 12.28 12.64 10.84 14.34 15.95 15.57
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.52 8.47 11.90 7.82 6.61 7.98 6.20 6.47 7.27 6.37 6.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 10.59 0.00 10.15 0.00 0.00 13.87 0.00 4.72 0.00 37.67 29.28
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.64 0.70 0.61 1.03 0.86 0.54 0.93 0.84 0.97 0.98 1.02
Long-Term Debt to Equity		 0.13 0.67 0.13 1.03 0.14 0.49 0.16 0.14 0.97 0.96 0.15
Financial Leverage		 0.74 0.63 0.75 0.95 0.91 0.74 0.97 0.98 0.75 0.86 0.90
Leverage Ratio		 8.88 8.83 9.11 9.32 9.39 9.25 9.73 9.31 9.07 8.77 8.89
Compound Leverage Factor		 8.88 8.83 9.11 9.32 9.39 9.25 9.73 9.31 9.07 8.77 8.89
Debt to Total Capital		 39.01% 41.17% 37.71% 50.72% 46.18% 35.27% 48.24% 45.74% 49.31% 49.53% 50.57%
Short-Term Debt to Total Capital		 31.18% 1.73% 29.48% 0.00% 38.47% 3.39% 40.13% 38.32% 0.00% 1.01% 43.24%
Long-Term Debt to Total Capital		 7.82% 39.43% 8.23% 50.72% 7.71% 31.88% 8.11% 7.42% 49.31% 48.51% 7.33%
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		 60.99% 58.83% 62.29% 49.36% 53.82% 64.73% 51.76% 54.26% 50.82% 50.47% 49.43%
Debt to EBITDA		 4.34 4.47 3.85 6.23 5.19 3.39 6.24 4.76 5.76 5.99 5.90
Net Debt to EBITDA		 1.81 1.17 1.23 1.95 1.37 1.97 3.12 2.54 3.64 4.56 4.23
Long-Term Debt to EBITDA		 0.87 4.29 0.84 6.23 0.87 3.06 1.05 0.77 5.76 5.86 0.85
Debt to NOPAT		 6.10 6.32 5.53 9.02 7.57 5.00 8.49 7.19 8.64 8.54 9.28
Net Debt to NOPAT		 2.55 1.66 1.76 2.82 2.00 2.90 4.24 3.84 5.47 6.50 6.65
Long-Term Debt to NOPAT		 1.22 6.06 1.21 9.02 1.26 4.52 1.43 1.17 8.64 8.37 1.35
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% -0.10% -0.11% 0.00% 0.00% 0.00% -0.24% 0.65% 0.66%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 49 -295 48 -567 -275 17 -237 150 -335 -28 -16
Operating Cash Flow to CapEx		 1,344.88% 2,871.06% 3,049.77% 5,507.00% 41,836.24% -494.13% 5,965.22% 3,444.83% 17,485.77% 11,415.79% 4,990.70%
Free Cash Flow to Firm to Interest Expense		 1.04 -5.78 0.81 -10.29 -5.20 0.35 -5.36 4.82 -13.80 -1.63 -1.45
Operating Cash Flow to Interest Expense		 0.58 1.04 0.34 0.73 1.18 -0.10 1.78 1.39 2.02 2.02 2.97
Operating Cash Flow Less CapEx to Interest Expense		 0.54 1.00 0.32 0.72 1.18 -0.12 1.75 1.35 2.01 2.00 2.91
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 6.59 6.40 6.19 6.75 6.59 6.27 5.93 5.98 5.67 5.41 4.64
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,854 1,855 1,760 2,096 1,875 1,530 1,777 1,500 1,570 1,517 1,512
Invested Capital Turnover		 0.22 0.24 0.23 0.23 0.23 0.25 0.23 0.22 0.24 0.22 0.21
Increase / (Decrease) in Invested Capital		 -20 326 -17 596 305 12 265 -124 359 51 39
Enterprise Value (EV)		 1,471 1,483 1,396 1,377 1,186 1,324 1,276 1,035 1,285 1,403 1,284
Market Capitalization		 1,169 1,283 1,185 1,044 957 1,011 847 669 795 831 735
Book Value per Share		 $25.31 $24.59 $24.77 $23.45 $22.74 $22.65 $21.05 $21.58 $21.15 $20.43 $19.93
Tangible Book Value per Share		 $20.90 $20.13 $20.26 $18.90 $18.18 $17.99 $16.36 $17.45 $16.97 $16.19 $15.65
Total Capital		 1,854 1,855 1,760 2,096 1,875 1,530 1,777 1,500 1,570 1,517 1,512
Total Debt		 723 764 664 1,063 866 540 857 686 774 751 765
Total Long-Term Debt		 145 732 145 1,063 144 488 144 111 774 736 111
Net Debt		 302 201 211 333 229 313 429 366 490 572 549
Capital Expenditures (CapEx)		 2.01 1.84 0.65 0.73 0.15 1.01 1.32 1.26 0.28 0.30 0.66
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)		 723 764 664 1,063 866 540 857 686 774 751 765
Total Depreciation and Amortization (D&A)		 1.39 13 -8.45 2.48 2.50 15 -7.96 3.27 3.34 -0.99 6.52
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.65 $0.70 $0.70 $0.68 $0.70 $0.68 $0.66 $0.70 $0.65 $0.61 $0.61
Adjusted Weighted Average Basic Shares Outstanding		 46.15M 44.68M 44.39M 44.26M 44.12M 44.38M 43.72M 43.69M 37.71M 37.72M 37.48M
Adjusted Diluted Earnings per Share		 $0.64 $0.68 $0.69 $0.68 $0.70 $0.68 $0.65 $0.70 $0.64 $0.61 $0.61
Adjusted Weighted Average Diluted Shares Outstanding		 46.15M 44.68M 44.39M 44.26M 44.12M 44.38M 43.72M 43.69M 37.71M 37.72M 37.48M
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		 46.15M 44.68M 44.39M 44.26M 44.12M 44.38M 43.72M 43.69M 37.71M 37.72M 37.48M
Normalized Net Operating Profit after Tax (NOPAT)		 28 30 30 30 30 31 28 26 24 23 23
Normalized NOPAT Margin		 27.40% 28.97% 29.78% 29.86% 30.13% 30.83% 26.92% 28.86% 26.37% 26.18% 28.02%
Pre Tax Income Margin		 36.35% 38.56% 39.31% 40.37% 40.15% 39.66% 36.38% 39.07% 35.48% 33.53% 37.73%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.80 0.79 0.68 0.73 0.77 0.81 0.86 1.14 1.33 1.71 2.77
NOPAT to Interest Expense		 0.61 0.59 0.51 0.54 0.58 0.60 0.64 0.84 0.99 1.32 2.05
EBIT Less CapEx to Interest Expense		 0.76 0.75 0.67 0.72 0.77 0.79 0.83 1.10 1.32 1.69 2.71
NOPAT Less CapEx to Interest Expense		 0.56 0.56 0.50 0.53 0.57 0.58 0.61 0.80 0.97 1.30 1.99
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 13.77% 13.12% 13.16% 13.51% 13.25% 13.52% 13.89% 13.93% 14.93% 15.46% 16.76%
Augmented Payout Ratio		 14.35% 13.12% 13.16% 13.51% 13.25% 13.52% 13.89% 13.93% 14.93% 35.10% 37.71%

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. See where experts think Byline Bancorp is headed by visiting Byline Bancorp's forecast page.

How has Byline Bancorp 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 5/21/2025 by MarketBeat.com Staff
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