Annual Income Statements for Byline Bancorp
This table shows Byline Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.
Quarterly Income Statements for Byline Bancorp
This table shows Byline Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Income / (Loss) Attributable to Common Shareholders |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Consolidated Net Income / (Loss) |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Net Income / (Loss) Continuing Operations |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Total Pre-Tax Income |
|
31 |
29 |
32 |
35 |
38 |
40 |
41 |
40 |
40 |
40 |
37 |
Total Revenue |
|
81 |
88 |
91 |
90 |
105 |
101 |
101 |
99 |
102 |
105 |
103 |
Net Interest Income / (Expense) |
|
69 |
76 |
76 |
76 |
92 |
86 |
86 |
87 |
87 |
89 |
88 |
Total Interest Income |
|
80 |
93 |
100 |
107 |
137 |
136 |
138 |
142 |
146 |
140 |
135 |
Loans and Leases Interest Income |
|
73 |
85 |
92 |
99 |
125 |
124 |
124 |
127 |
128 |
124 |
121 |
Investment Securities Interest Income |
|
6.40 |
6.57 |
6.60 |
6.56 |
8.42 |
9.23 |
9.73 |
11 |
11 |
12 |
12 |
Other Interest Income |
|
0.68 |
1.24 |
1.06 |
1.58 |
2.71 |
2.35 |
4.80 |
4.53 |
6.84 |
4.19 |
1.49 |
Total Interest Expense |
|
11 |
17 |
24 |
31 |
44 |
49 |
53 |
55 |
59 |
51 |
47 |
Deposits Interest Expense |
|
5.97 |
11 |
16 |
25 |
37 |
43 |
46 |
48 |
52 |
47 |
42 |
Long-Term Debt Interest Expense |
|
5.06 |
6.59 |
7.99 |
6.38 |
6.98 |
6.08 |
6.82 |
7.44 |
6.91 |
4.35 |
4.59 |
Total Non-Interest Income |
|
12 |
12 |
15 |
14 |
12 |
15 |
15 |
13 |
14 |
16 |
15 |
Trust Fees by Commissions |
|
1.00 |
0.86 |
0.92 |
1.04 |
0.94 |
1.26 |
1.16 |
0.94 |
1.10 |
1.11 |
1.08 |
Other Service Charges |
|
8.34 |
8.07 |
8.07 |
8.22 |
8.92 |
8.16 |
9.09 |
8.72 |
7.03 |
12 |
9.08 |
Net Realized & Unrealized Capital Gains on Investments |
|
2.66 |
2.80 |
6.15 |
5.03 |
2.51 |
5.09 |
5.22 |
3.18 |
6.25 |
2.90 |
4.70 |
Provision for Credit Losses |
|
4.18 |
8.80 |
9.83 |
5.79 |
8.80 |
7.24 |
6.64 |
6.05 |
7.48 |
6.88 |
9.18 |
Total Non-Interest Expense |
|
46 |
50 |
49 |
49 |
58 |
54 |
54 |
53 |
54 |
57 |
56 |
Salaries and Employee Benefits |
|
30 |
32 |
30 |
30 |
35 |
32 |
34 |
34 |
35 |
37 |
36 |
Net Occupancy & Equipment Expense |
|
7.29 |
6.94 |
8.23 |
8.68 |
12 |
9.33 |
9.43 |
8.68 |
8.59 |
8.88 |
10 |
Property & Liability Insurance Claims |
|
2.73 |
3.20 |
3.11 |
3.68 |
3.81 |
2.35 |
2.72 |
3.71 |
3.64 |
3.36 |
3.25 |
Other Operating Expenses |
|
4.96 |
2.83 |
5.59 |
5.88 |
5.78 |
2.60 |
6.36 |
5.57 |
5.78 |
1.59 |
5.79 |
Amortization Expense |
|
1.61 |
1.60 |
1.46 |
1.46 |
1.55 |
1.55 |
1.35 |
1.35 |
1.35 |
1.35 |
1.12 |
Impairment Charge |
|
0.00 |
0.37 |
0.02 |
0.00 |
0.00 |
1.98 |
0.00 |
0.00 |
0.00 |
- |
0.00 |
Income Tax Expense |
|
7.86 |
6.75 |
8.29 |
9.23 |
9.91 |
10 |
10 |
10 |
9.71 |
10 |
9.22 |
Basic Earnings per Share |
|
$0.61 |
$0.61 |
$0.65 |
$0.70 |
$0.66 |
$0.68 |
$0.70 |
$0.68 |
$0.70 |
$0.70 |
$0.65 |
Weighted Average Basic Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Diluted Earnings per Share |
|
$0.61 |
$0.61 |
$0.64 |
$0.70 |
$0.65 |
$0.68 |
$0.70 |
$0.68 |
$0.69 |
$0.68 |
$0.64 |
Weighted Average Diluted Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Weighted Average Basic & Diluted Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Cash Dividends to Common per Share |
|
$0.09 |
- |
$0.09 |
$0.09 |
$0.09 |
- |
$0.09 |
$0.09 |
$0.09 |
- |
$0.10 |
Annual Cash Flow Statements for Byline Bancorp
This table details how cash moves in and out of Byline Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.
Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Net Change in Cash & Equivalents |
|
-112 |
1.65 |
12 |
64 |
-41 |
2.68 |
75 |
21 |
47 |
337 |
Net Cash From Operating Activities |
|
-43 |
4.24 |
27 |
80 |
29 |
109 |
74 |
220 |
166 |
175 |
Net Cash From Continuing Operating Activities |
|
-43 |
4.24 |
27 |
80 |
29 |
109 |
74 |
220 |
166 |
175 |
Net Income / (Loss) Continuing Operations |
|
-15 |
67 |
22 |
41 |
57 |
37 |
93 |
88 |
108 |
121 |
Consolidated Net Income / (Loss) |
|
-15 |
67 |
22 |
41 |
57 |
37 |
93 |
88 |
108 |
121 |
Provision For Loan Losses |
|
6.97 |
10 |
13 |
19 |
21 |
57 |
0.97 |
24 |
32 |
27 |
Depreciation Expense |
|
5.80 |
5.06 |
5.19 |
5.58 |
6.39 |
6.48 |
5.99 |
4.29 |
4.53 |
5.03 |
Amortization Expense |
|
-32 |
6.63 |
-1.92 |
-12 |
-13 |
16 |
15 |
6.56 |
9.05 |
4.62 |
Non-Cash Adjustments to Reconcile Net Income |
|
-0.03 |
-73 |
0.91 |
34 |
-23 |
-40 |
4.79 |
56 |
21 |
-45 |
Changes in Operating Assets and Liabilities, net |
|
-9.04 |
-12 |
-12 |
-7.45 |
-18 |
33 |
-46 |
41 |
-8.37 |
63 |
Net Cash From Investing Activities |
|
-189 |
-302 |
-62 |
-369 |
-251 |
-886 |
-236 |
-820 |
-336 |
-331 |
Net Cash From Continuing Investing Activities |
|
-189 |
-302 |
-62 |
-369 |
-251 |
-886 |
-236 |
-820 |
-336 |
-331 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-4.02 |
-5.95 |
-2.54 |
-2.58 |
-4.27 |
-3.92 |
-2.24 |
-3.63 |
-3.86 |
-3.99 |
Purchase of Investment Securities |
|
-1,026 |
-1,074 |
-206 |
-508 |
-576 |
-1,532 |
-933 |
-1,011 |
-631 |
-610 |
Sale of Property, Leasehold Improvements and Equipment |
|
1.35 |
3.72 |
5.37 |
1.44 |
0.00 |
0.03 |
0.30 |
0.03 |
0.00 |
0.62 |
Divestitures |
|
- |
- |
- |
20 |
4.31 |
0.00 |
0.00 |
0.00 |
7.83 |
0.00 |
Sale and/or Maturity of Investments |
|
840 |
786 |
141 |
119 |
325 |
649 |
699 |
194 |
291 |
282 |
Net Cash From Financing Activities |
|
121 |
299 |
47 |
353 |
180 |
780 |
236 |
621 |
217 |
493 |
Net Cash From Continuing Financing Activities |
|
121 |
299 |
47 |
353 |
180 |
780 |
236 |
621 |
217 |
493 |
Net Change in Deposits |
|
81 |
-51 |
-46 |
285 |
108 |
605 |
403 |
540 |
515 |
281 |
Issuance of Debt |
|
1,944 |
6,542 |
3,037 |
5,932 |
8,516 |
9,542 |
13,337 |
22,270 |
17,730 |
2,775 |
Issuance of Common Equity |
|
- |
50 |
77 |
2.54 |
3.73 |
3.63 |
2.14 |
1.51 |
1.79 |
4.52 |
Repayment of Debt |
|
-1,906 |
-6,255 |
-3,010 |
-5,868 |
-8,462 |
-9,804 |
-13,650 |
-22,135 |
-18,041 |
-2,743 |
Repurchase of Preferred Equity |
|
- |
- |
-15 |
- |
- |
0.00 |
0.00 |
-10 |
0.00 |
0.00 |
Repurchase of Common Equity |
|
- |
- |
- |
0.00 |
0.00 |
-1.67 |
-29 |
-17 |
0.00 |
0.00 |
Payment of Dividends |
|
- |
- |
-11 |
-0.78 |
-0.78 |
-6.49 |
-12 |
-14 |
-15 |
-16 |
Other Financing Activities, Net |
|
1.93 |
4.59 |
14 |
2.98 |
15 |
442 |
184 |
-14 |
25 |
191 |
Cash Interest Paid |
|
10 |
6.15 |
15 |
26 |
48 |
26 |
13 |
31 |
129 |
217 |
Cash Income Taxes Paid |
|
- |
-0.25 |
2.85 |
3.51 |
19 |
14 |
35 |
29 |
12 |
12 |
Quarterly Cash Flow Statements for Byline Bancorp
This table details how cash moves in and out of Byline Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Net Change in Cash & Equivalents |
|
74 |
-37 |
105 |
36 |
109 |
-203 |
411 |
94 |
-278 |
111 |
-142 |
Net Cash From Operating Activities |
|
33 |
35 |
49 |
43 |
79 |
-4.97 |
62 |
40 |
20 |
53 |
27 |
Net Cash From Continuing Operating Activities |
|
33 |
35 |
49 |
43 |
79 |
-4.97 |
62 |
40 |
20 |
53 |
27 |
Net Income / (Loss) Continuing Operations |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Consolidated Net Income / (Loss) |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
Provision For Loan Losses |
|
4.18 |
8.80 |
9.83 |
5.79 |
8.80 |
7.24 |
6.64 |
6.05 |
7.48 |
6.88 |
9.18 |
Depreciation Expense |
|
1.04 |
1.01 |
0.98 |
0.95 |
1.26 |
1.34 |
1.31 |
1.28 |
1.25 |
1.20 |
1.16 |
Amortization Expense |
|
5.48 |
-2.00 |
2.36 |
2.32 |
-9.22 |
14 |
1.19 |
1.21 |
-9.69 |
12 |
0.23 |
Non-Cash Adjustments to Reconcile Net Income |
|
-9.83 |
27 |
-14 |
17 |
9.37 |
9.02 |
-54 |
6.27 |
24 |
-22 |
-76 |
Changes in Operating Assets and Liabilities, net |
|
9.22 |
-23 |
26 |
-8.34 |
40 |
-66 |
77 |
-4.32 |
-34 |
24 |
64 |
Net Cash From Investing Activities |
|
-81 |
-138 |
-81 |
-21 |
-135 |
-99 |
-147 |
-138 |
-47 |
-0.19 |
-218 |
Net Cash From Continuing Investing Activities |
|
-81 |
-138 |
-81 |
-21 |
-135 |
-99 |
-147 |
-138 |
-47 |
-0.19 |
-218 |
Purchase of Property, Leasehold Improvements and Equipment |
|
-0.66 |
-0.30 |
-0.28 |
-1.26 |
-1.32 |
-1.01 |
-0.51 |
-0.73 |
-0.65 |
-2.10 |
-2.01 |
Purchase of Investment Securities |
|
-125 |
-169 |
-106 |
-53 |
-343 |
-128 |
-209 |
-230 |
-92 |
-78 |
-271 |
Sale of Property, Leasehold Improvements and Equipment |
|
- |
- |
0.00 |
- |
- |
- |
0.36 |
0.00 |
- |
0.26 |
0.00 |
Sale and/or Maturity of Investments |
|
45 |
31 |
26 |
33 |
201 |
30 |
62 |
94 |
47 |
80 |
56 |
Net Cash From Financing Activities |
|
122 |
66 |
137 |
14 |
165 |
-99 |
495 |
191 |
-251 |
58 |
49 |
Net Cash From Continuing Financing Activities |
|
122 |
66 |
137 |
14 |
165 |
-99 |
495 |
191 |
-254 |
61 |
49 |
Net Change in Deposits |
|
224 |
83 |
118 |
104 |
71 |
222 |
173 |
-3.30 |
150 |
-40 |
95 |
Issuance of Debt |
|
4,168 |
5,714 |
6,100 |
3,623 |
5,955 |
2,052 |
570 |
1,130 |
670 |
405 |
3,065 |
Issuance of Common Equity |
|
- |
0.58 |
- |
- |
0.35 |
0.84 |
0.00 |
- |
2.32 |
1.33 |
0.01 |
Repayment of Debt |
|
-4,263 |
-5,689 |
-6,100 |
-3,708 |
-5,860 |
-2,372 |
-438 |
-932 |
-872 |
-502 |
-3,102 |
Repurchase of Common Equity |
|
-4.16 |
- |
- |
- |
- |
- |
0.00 |
- |
- |
- |
-0.69 |
Payment of Dividends |
|
-3.32 |
-3.32 |
-3.32 |
-3.33 |
-4.05 |
-3.88 |
-3.89 |
-4.12 |
-3.92 |
-3.93 |
-4.37 |
Other Financing Activities, Net |
|
0.86 |
-39 |
22 |
-2.89 |
2.86 |
2.37 |
194 |
-0.77 |
-201 |
199 |
-3.86 |
Cash Interest Paid |
|
8.66 |
15 |
19 |
27 |
36 |
46 |
53 |
50 |
65 |
50 |
51 |
Annual Balance Sheets for Byline Bancorp
This table presents Byline Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Total Assets |
|
3,296 |
3,366 |
4,943 |
5,522 |
6,391 |
6,696 |
7,363 |
8,882 |
9,497 |
Cash and Due from Banks |
|
18 |
19 |
30 |
48 |
41 |
35 |
62 |
60 |
59 |
Interest Bearing Deposits at Other Banks |
|
29 |
39 |
92 |
33 |
42 |
123 |
117 |
166 |
504 |
Trading Account Securities |
|
771 |
706 |
937 |
1,210 |
1,468 |
1,533 |
1,233 |
1,370 |
1,429 |
Loans and Leases, Net of Allowance |
|
2,137 |
2,261 |
3,476 |
3,754 |
4,274 |
4,482 |
5,339 |
6,583 |
6,809 |
Loans and Leases |
|
2,148 |
2,277 |
3,502 |
3,786 |
4,341 |
4,537 |
5,421 |
6,684 |
6,907 |
Allowance for Loan and Lease Losses |
|
11 |
17 |
25 |
32 |
66 |
55 |
82 |
102 |
98 |
Premises and Equipment, Net |
|
102 |
95 |
98 |
96 |
87 |
63 |
57 |
67 |
61 |
Intangible Assets |
|
20 |
17 |
33 |
32 |
24 |
17 |
11 |
22 |
198 |
Other Assets |
|
167 |
175 |
148 |
157 |
164 |
282 |
384 |
397 |
437 |
Total Liabilities & Shareholders' Equity |
|
3,296 |
3,366 |
4,943 |
5,522 |
6,391 |
6,696 |
7,363 |
8,882 |
9,497 |
Total Liabilities |
|
2,913 |
2,908 |
4,292 |
4,772 |
5,585 |
5,860 |
6,597 |
7,892 |
8,405 |
Non-Interest Bearing Deposits |
|
724 |
761 |
1,193 |
1,280 |
1,763 |
2,158 |
2,139 |
1,906 |
1,756 |
Interest Bearing Deposits |
|
1,766 |
1,682 |
2,557 |
2,868 |
2,989 |
2,997 |
3,556 |
5,271 |
5,703 |
Short-Term Debt |
|
38 |
31 |
34 |
50 |
42 |
30 |
15 |
52 |
619 |
Accrued Interest Payable |
|
2.43 |
1.31 |
3.48 |
3.68 |
1.48 |
0.26 |
4.49 |
22 |
183 |
Long-Term Debt |
|
341 |
389 |
462 |
527 |
344 |
600 |
736 |
488 |
145 |
Commitments & Contingencies |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Equity & Noncontrolling Interests |
|
383 |
459 |
651 |
750 |
771 |
836 |
766 |
990 |
1,091 |
Total Preferred & Common Equity |
|
383 |
459 |
651 |
750 |
805 |
836 |
766 |
990 |
1,091 |
Preferred Stock |
|
25 |
10 |
10 |
10 |
10 |
10 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
357 |
448 |
640 |
740 |
761 |
826 |
766 |
990 |
1,091 |
Common Stock |
|
314 |
392 |
547 |
581 |
588 |
594 |
599 |
711 |
718 |
Retained Earnings |
|
51 |
61 |
103 |
159 |
191 |
272 |
336 |
429 |
534 |
Treasury Stock |
|
- |
- |
- |
0.00 |
0.00 |
-32 |
-51 |
-50 |
-47 |
Accumulated Other Comprehensive Income / (Loss) |
|
-7.27 |
-5.09 |
-9.50 |
-0.70 |
-18 |
-8.30 |
-118 |
-100 |
-114 |
Quarterly Balance Sheets for Byline Bancorp
This table presents Byline Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.
Metric |
|
Q2 2022 |
Q3 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q1 2025 |
Total Assets |
|
7,132 |
7,278 |
7,530 |
7,576 |
8,943 |
9,411 |
9,634 |
9,424 |
9,585 |
Cash and Due from Banks |
|
59 |
57 |
53 |
60 |
71 |
59 |
68 |
77 |
73 |
Interest Bearing Deposits at Other Banks |
|
83 |
160 |
231 |
261 |
358 |
578 |
662 |
376 |
348 |
Trading Account Securities |
|
1,302 |
1,227 |
1,204 |
1,172 |
1,256 |
1,413 |
1,410 |
1,532 |
1,570 |
Loans and Leases, Net of Allowance |
|
5,106 |
5,211 |
5,425 |
5,478 |
6,508 |
6,676 |
6,791 |
6,781 |
6,925 |
Loans and Leases |
|
5,168 |
5,275 |
5,515 |
5,571 |
6,613 |
6,778 |
6,891 |
6,879 |
7,026 |
Allowance for Loan and Lease Losses |
|
62 |
65 |
90 |
93 |
106 |
102 |
100 |
99 |
100 |
Premises and Equipment, Net |
|
61 |
59 |
56 |
56 |
67 |
64 |
64 |
63 |
60 |
Intangible Assets |
|
162 |
160 |
157 |
156 |
205 |
202 |
201 |
199 |
197 |
Other Assets |
|
359 |
404 |
404 |
393 |
478 |
418 |
438 |
397 |
411 |
Total Liabilities & Shareholders' Equity |
|
7,132 |
7,278 |
7,530 |
7,576 |
8,943 |
9,411 |
9,634 |
9,424 |
9,585 |
Total Liabilities |
|
6,367 |
6,530 |
6,735 |
6,762 |
8,023 |
8,401 |
8,601 |
8,328 |
8,454 |
Non-Interest Bearing Deposits |
|
2,181 |
2,142 |
1,952 |
1,794 |
1,960 |
1,852 |
1,763 |
1,730 |
1,716 |
Interest Bearing Deposits |
|
3,207 |
3,470 |
3,861 |
4,123 |
4,994 |
5,498 |
5,584 |
5,768 |
5,838 |
Short-Term Debt |
|
748 |
654 |
- |
575 |
713 |
721 |
- |
519 |
578 |
Accrued Interest Payable |
|
119 |
153 |
148 |
158 |
212 |
186 |
190 |
167 |
177 |
Long-Term Debt |
|
111 |
111 |
774 |
111 |
144 |
144 |
1,063 |
145 |
145 |
Commitments & Contingencies |
|
- |
- |
- |
- |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Equity & Noncontrolling Interests |
|
765 |
748 |
796 |
814 |
920 |
1,009 |
1,033 |
1,096 |
1,131 |
Total Preferred & Common Equity |
|
765 |
748 |
796 |
814 |
920 |
1,009 |
1,033 |
1,096 |
1,131 |
Preferred Stock |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Total Common Equity |
|
765 |
748 |
798 |
814 |
920 |
1,009 |
1,035 |
1,096 |
1,131 |
Common Stock |
|
596 |
597 |
598 |
600 |
709 |
709 |
711 |
715 |
714 |
Retained Earnings |
|
307 |
327 |
356 |
379 |
403 |
456 |
481 |
508 |
558 |
Treasury Stock |
|
-47 |
-52 |
-49 |
-50 |
-50 |
-49 |
-46 |
-48 |
-44 |
Accumulated Other Comprehensive Income / (Loss) |
|
-91 |
-125 |
-108 |
-115 |
-142 |
-107 |
-111 |
-79 |
-96 |
Annual Metrics And Ratios for Byline Bancorp
This table displays calculated financial ratios and metrics derived from Byline Bancorp's official financial filings.
Metric |
|
2015 |
2016 |
2017 |
2018 |
2019 |
2020 |
2021 |
2022 |
2023 |
2024 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
0.00% |
19.55% |
47.56% |
28.38% |
23.15% |
1.91% |
12.13% |
3.86% |
19.93% |
5.16% |
EBITDA Growth |
|
0.00% |
141.83% |
156.56% |
-6.12% |
70.47% |
5.06% |
96.63% |
-13.84% |
26.87% |
7.20% |
EBIT Growth |
|
0.00% |
137.39% |
643.87% |
17.64% |
61.06% |
-33.16% |
140.41% |
-7.67% |
27.03% |
10.57% |
NOPAT Growth |
|
0.00% |
749.94% |
-67.49% |
89.87% |
38.38% |
-34.27% |
147.64% |
-5.21% |
22.65% |
11.94% |
Net Income Growth |
|
0.00% |
545.63% |
-67.49% |
89.87% |
38.38% |
-34.27% |
147.64% |
-5.21% |
22.65% |
11.94% |
EPS Growth |
|
0.00% |
480.23% |
-88.38% |
210.53% |
25.42% |
-35.14% |
150.00% |
-2.50% |
14.10% |
3.00% |
Operating Cash Flow Growth |
|
0.00% |
109.74% |
533.92% |
197.68% |
-63.33% |
271.91% |
-31.73% |
196.04% |
-24.63% |
5.48% |
Free Cash Flow Firm Growth |
|
0.00% |
0.00% |
86.17% |
-135.87% |
45.48% |
240.35% |
-205.30% |
120.41% |
156.36% |
-314.51% |
Invested Capital Growth |
|
0.00% |
0.00% |
15.47% |
30.46% |
15.74% |
-10.24% |
23.11% |
3.46% |
0.82% |
21.28% |
Revenue Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
7.49% |
7.06% |
-14.03% |
18.56% |
2.33% |
3.47% |
0.96% |
EBITDA Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
-28.76% |
25.49% |
-32.78% |
39.00% |
-3.23% |
15.93% |
-0.83% |
EBIT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
11.75% |
19.86% |
-51.26% |
63.44% |
6.15% |
7.78% |
0.25% |
NOPAT Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
76.75% |
-2.18% |
-8.68% |
5.57% |
6.69% |
6.83% |
0.60% |
Net Income Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
76.75% |
-2.18% |
-8.68% |
5.57% |
6.69% |
6.83% |
0.60% |
EPS Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
73.53% |
-5.13% |
-9.43% |
6.19% |
7.34% |
2.69% |
0.00% |
Operating Cash Flow Q/Q Growth |
|
0.00% |
0.00% |
-8.52% |
4.87% |
-2.07% |
439.69% |
-51.06% |
2.98% |
-19.28% |
49.32% |
Free Cash Flow Firm Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
0.00% |
9.98% |
166.02% |
-179.70% |
-15.07% |
158.22% |
-248.93% |
Invested Capital Q/Q Growth |
|
0.00% |
0.00% |
0.00% |
2.75% |
1.20% |
-26.23% |
-0.49% |
0.32% |
-13.94% |
5.42% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
-42.12% |
14.74% |
25.63% |
18.74% |
25.94% |
26.74% |
46.90% |
38.91% |
41.16% |
41.96% |
EBIT Margin |
|
-15.05% |
4.71% |
23.73% |
21.74% |
28.43% |
18.65% |
39.99% |
35.54% |
37.65% |
39.59% |
Profit (Net Income) Margin |
|
-15.36% |
57.27% |
12.62% |
18.66% |
20.97% |
13.52% |
29.87% |
27.26% |
27.88% |
29.68% |
Tax Burden Percent |
|
102.09% |
1,216.79% |
53.18% |
74.30% |
73.75% |
72.52% |
74.70% |
76.69% |
74.05% |
74.97% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
115.52% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
0.00% |
-1,116.79% |
46.82% |
25.70% |
26.25% |
27.48% |
25.30% |
23.31% |
25.95% |
25.03% |
Return on Invested Capital (ROIC) |
|
0.00% |
17.53% |
2.65% |
4.07% |
4.61% |
2.98% |
6.98% |
5.90% |
7.08% |
7.14% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
0.00% |
17.53% |
2.65% |
4.07% |
4.61% |
2.98% |
6.98% |
5.90% |
7.08% |
7.14% |
Return on Net Nonoperating Assets (RNNOA) |
|
0.00% |
17.34% |
2.51% |
3.36% |
3.53% |
1.95% |
4.56% |
5.08% |
5.21% |
4.47% |
Return on Equity (ROE) |
|
0.00% |
34.88% |
5.16% |
7.43% |
8.14% |
4.93% |
11.54% |
10.98% |
12.29% |
11.60% |
Cash Return on Invested Capital (CROIC) |
|
0.00% |
-182.47% |
-11.71% |
-22.36% |
-9.98% |
13.76% |
-13.73% |
2.50% |
6.27% |
-12.10% |
Operating Return on Assets (OROA) |
|
0.00% |
0.17% |
1.22% |
1.16% |
1.48% |
0.87% |
1.90% |
1.63% |
1.79% |
1.75% |
Return on Assets (ROA) |
|
0.00% |
2.02% |
0.65% |
0.99% |
1.09% |
0.63% |
1.42% |
1.25% |
1.33% |
1.31% |
Return on Common Equity (ROCE) |
|
0.00% |
32.56% |
4.94% |
7.29% |
8.02% |
4.86% |
11.39% |
10.91% |
12.29% |
11.60% |
Return on Equity Simple (ROE_SIMPLE) |
|
0.00% |
17.44% |
4.73% |
6.33% |
7.60% |
4.65% |
11.09% |
11.49% |
10.90% |
11.06% |
Net Operating Profit after Tax (NOPAT) |
|
-10 |
67 |
22 |
41 |
57 |
37 |
93 |
88 |
108 |
121 |
NOPAT Margin |
|
-10.53% |
57.27% |
12.62% |
18.66% |
20.97% |
13.52% |
29.87% |
27.26% |
27.88% |
29.68% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
74.81% |
64.99% |
54.90% |
53.73% |
48.64% |
45.08% |
43.59% |
46.87% |
43.62% |
44.40% |
Operating Expenses to Revenue |
|
107.90% |
86.41% |
68.92% |
69.74% |
63.95% |
60.89% |
59.70% |
57.05% |
54.17% |
53.77% |
Earnings before Interest and Taxes (EBIT) |
|
-15 |
5.48 |
41 |
48 |
77 |
52 |
124 |
115 |
146 |
161 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
-41 |
17 |
44 |
41 |
71 |
74 |
146 |
126 |
159 |
171 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.00 |
0.00 |
1.40 |
0.88 |
0.94 |
0.74 |
1.20 |
1.08 |
1.02 |
1.18 |
Price to Tangible Book Value (P/TBV) |
|
0.00 |
0.00 |
1.67 |
1.18 |
1.25 |
0.96 |
1.50 |
1.37 |
1.29 |
1.44 |
Price to Revenue (P/Rev) |
|
0.00 |
0.00 |
3.66 |
2.56 |
2.57 |
2.03 |
3.18 |
2.58 |
2.61 |
3.15 |
Price to Earnings (P/E) |
|
0.00 |
0.00 |
60.37 |
13.98 |
12.43 |
15.36 |
10.73 |
9.47 |
9.37 |
10.62 |
Dividend Yield |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.16% |
0.82% |
1.26% |
1.62% |
1.56% |
1.25% |
Earnings Yield |
|
0.00% |
0.00% |
1.66% |
7.15% |
8.04% |
6.51% |
9.32% |
10.56% |
10.67% |
9.41% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.00 |
0.00 |
1.14 |
0.83 |
0.91 |
0.74 |
1.00 |
0.92 |
0.87 |
0.80 |
Enterprise Value to Revenue (EV/Rev) |
|
0.00 |
0.00 |
5.82 |
4.30 |
4.43 |
3.16 |
4.73 |
4.35 |
3.42 |
3.65 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
0.00 |
0.00 |
22.72 |
22.95 |
17.09 |
11.83 |
10.09 |
11.18 |
8.32 |
8.69 |
Enterprise Value to EBIT (EV/EBIT) |
|
0.00 |
0.00 |
24.55 |
19.79 |
15.60 |
16.96 |
11.83 |
12.23 |
9.09 |
9.21 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
0.00 |
0.00 |
46.15 |
23.05 |
21.15 |
23.39 |
15.84 |
15.95 |
12.28 |
12.28 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
0.00 |
0.00 |
37.29 |
11.88 |
41.13 |
8.04 |
19.75 |
6.37 |
7.98 |
8.47 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
5.06 |
0.00 |
37.67 |
13.87 |
0.00 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
0.00 |
0.99 |
0.92 |
0.76 |
0.77 |
0.50 |
0.75 |
0.98 |
0.54 |
0.70 |
Long-Term Debt to Equity |
|
0.00 |
0.89 |
0.85 |
0.71 |
0.70 |
0.45 |
0.72 |
0.96 |
0.49 |
0.67 |
Financial Leverage |
|
0.00 |
0.99 |
0.95 |
0.83 |
0.77 |
0.66 |
0.65 |
0.86 |
0.74 |
0.63 |
Leverage Ratio |
|
0.00 |
8.61 |
7.92 |
7.49 |
7.47 |
7.83 |
8.14 |
8.77 |
9.25 |
8.83 |
Compound Leverage Factor |
|
0.00 |
8.61 |
7.92 |
8.65 |
7.47 |
7.83 |
8.14 |
8.77 |
9.25 |
8.83 |
Debt to Total Capital |
|
0.00% |
49.73% |
47.82% |
43.25% |
43.48% |
33.35% |
42.97% |
49.53% |
35.27% |
41.17% |
Short-Term Debt to Total Capital |
|
0.00% |
4.98% |
3.55% |
2.98% |
3.74% |
3.63% |
2.03% |
1.01% |
3.39% |
1.73% |
Long-Term Debt to Total Capital |
|
0.00% |
44.75% |
44.28% |
40.27% |
39.74% |
29.72% |
40.94% |
48.51% |
31.88% |
39.43% |
Preferred Equity to Total Capital |
|
0.00% |
3.34% |
1.19% |
0.91% |
0.79% |
0.90% |
0.71% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
0.00% |
46.93% |
50.99% |
55.84% |
55.74% |
65.75% |
56.32% |
50.47% |
64.73% |
58.83% |
Debt to EBITDA |
|
0.00 |
22.04 |
9.54 |
11.99 |
8.18 |
5.21 |
4.33 |
5.99 |
3.39 |
4.47 |
Net Debt to EBITDA |
|
0.00 |
19.33 |
8.21 |
9.04 |
7.04 |
4.08 |
3.24 |
4.56 |
1.97 |
1.17 |
Long-Term Debt to EBITDA |
|
0.00 |
19.83 |
8.83 |
11.16 |
7.48 |
4.64 |
4.12 |
5.86 |
3.06 |
4.29 |
Debt to NOPAT |
|
0.00 |
5.67 |
19.38 |
12.04 |
10.12 |
10.30 |
6.79 |
8.54 |
5.00 |
6.32 |
Net Debt to NOPAT |
|
0.00 |
4.98 |
16.69 |
9.08 |
8.71 |
8.07 |
5.09 |
6.50 |
2.90 |
1.66 |
Long-Term Debt to NOPAT |
|
0.00 |
5.10 |
17.94 |
11.21 |
9.25 |
9.18 |
6.47 |
8.37 |
4.52 |
6.06 |
Noncontrolling Interest Sharing Ratio |
|
0.00% |
6.65% |
4.27% |
1.88% |
1.49% |
1.37% |
1.30% |
0.65% |
0.00% |
0.00% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
0.00 |
-694 |
-96 |
-226 |
-123 |
173 |
-182 |
37 |
95 |
-205 |
Operating Cash Flow to CapEx |
|
-1,631.26% |
190.30% |
0.00% |
7,024.17% |
687.64% |
2,807.70% |
3,836.39% |
6,111.87% |
4,301.14% |
5,199.17% |
Free Cash Flow to Firm to Interest Expense |
|
0.00 |
-89.64 |
-6.91 |
-7.99 |
-2.54 |
7.15 |
-14.55 |
1.03 |
0.64 |
-0.94 |
Operating Cash Flow to Interest Expense |
|
-6.56 |
0.55 |
1.93 |
2.82 |
0.60 |
4.50 |
5.94 |
6.08 |
1.12 |
0.80 |
Operating Cash Flow Less CapEx to Interest Expense |
|
-6.96 |
0.26 |
2.14 |
2.78 |
0.52 |
4.34 |
5.78 |
5.98 |
1.09 |
0.79 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.00 |
0.04 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.04 |
Fixed Asset Turnover |
|
0.00 |
1.14 |
1.74 |
2.29 |
2.81 |
3.03 |
4.16 |
5.41 |
6.27 |
6.40 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
0.00 |
761 |
879 |
1,147 |
1,327 |
1,191 |
1,467 |
1,517 |
1,530 |
1,855 |
Invested Capital Turnover |
|
0.00 |
0.31 |
0.21 |
0.22 |
0.22 |
0.22 |
0.23 |
0.22 |
0.25 |
0.24 |
Increase / (Decrease) in Invested Capital |
|
0.00 |
761 |
118 |
268 |
180 |
-136 |
275 |
51 |
12 |
326 |
Enterprise Value (EV) |
|
0.00 |
0.00 |
1,001 |
950 |
1,206 |
876 |
1,470 |
1,403 |
1,324 |
1,483 |
Market Capitalization |
|
0.00 |
0.00 |
629 |
565 |
699 |
563 |
987 |
831 |
1,011 |
1,283 |
Book Value per Share |
|
$0.00 |
$17.68 |
$15.29 |
$17.63 |
$19.38 |
$19.71 |
$21.90 |
$20.43 |
$22.65 |
$24.59 |
Tangible Book Value per Share |
|
$0.00 |
$14.13 |
$12.86 |
$13.18 |
$14.65 |
$15.24 |
$17.51 |
$16.19 |
$17.99 |
$20.13 |
Total Capital |
|
0.00 |
761 |
879 |
1,147 |
1,327 |
1,157 |
1,467 |
1,517 |
1,530 |
1,855 |
Total Debt |
|
0.00 |
379 |
420 |
496 |
577 |
386 |
630 |
751 |
540 |
764 |
Total Long-Term Debt |
|
0.00 |
341 |
389 |
462 |
527 |
344 |
600 |
736 |
488 |
732 |
Net Debt |
|
0.00 |
332 |
362 |
374 |
496 |
302 |
472 |
572 |
313 |
201 |
Capital Expenditures (CapEx) |
|
2.67 |
2.23 |
-2.84 |
1.14 |
4.26 |
3.88 |
1.94 |
3.61 |
3.86 |
3.37 |
Net Nonoperating Expense (NNE) |
|
4.71 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
0.00 |
379 |
420 |
496 |
577 |
420 |
630 |
751 |
540 |
764 |
Total Depreciation and Amortization (D&A) |
|
-26 |
12 |
3.27 |
-6.62 |
-6.77 |
22 |
21 |
11 |
14 |
9.65 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
($0.86) |
$3.31 |
$0.39 |
$1.21 |
$1.51 |
$0.96 |
$2.45 |
$2.37 |
$2.69 |
$2.78 |
Adjusted Weighted Average Basic Shares Outstanding |
|
0.00 |
20.20M |
29.40M |
36.37M |
38.44M |
38.75M |
37.83M |
37.72M |
44.38M |
44.68M |
Adjusted Diluted Earnings per Share |
|
($0.86) |
$3.27 |
$0.38 |
$1.18 |
$1.48 |
$0.96 |
$2.40 |
$2.34 |
$2.67 |
$2.75 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
0.00 |
20.20M |
29.40M |
36.37M |
38.44M |
38.75M |
37.83M |
37.72M |
44.38M |
44.68M |
Adjusted Basic & Diluted Earnings per Share |
|
($0.86) |
$3.31 |
$0.39 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
0.00 |
20.20M |
29.40M |
36.37M |
38.44M |
38.75M |
37.83M |
37.72M |
44.38M |
44.68M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
-10 |
5.04 |
22 |
41 |
58 |
42 |
103 |
88 |
109 |
121 |
Normalized NOPAT Margin |
|
-10.53% |
4.33% |
12.62% |
18.66% |
21.30% |
15.25% |
33.09% |
27.35% |
28.26% |
29.68% |
Pre Tax Income Margin |
|
-15.05% |
4.71% |
23.73% |
25.12% |
28.43% |
18.65% |
39.99% |
35.54% |
37.65% |
39.59% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
-2.21 |
0.71 |
2.94 |
1.69 |
1.59 |
2.13 |
9.91 |
3.17 |
0.98 |
0.74 |
NOPAT to Interest Expense |
|
-1.55 |
8.61 |
1.56 |
1.45 |
1.17 |
1.54 |
7.40 |
2.43 |
0.72 |
0.55 |
EBIT Less CapEx to Interest Expense |
|
-2.61 |
0.42 |
3.14 |
1.65 |
1.50 |
1.97 |
9.75 |
3.07 |
0.95 |
0.72 |
NOPAT Less CapEx to Interest Expense |
|
-1.95 |
8.33 |
1.77 |
1.41 |
1.09 |
1.38 |
7.25 |
2.33 |
0.70 |
0.54 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
0.00% |
0.00% |
51.98% |
1.90% |
1.37% |
17.33% |
12.99% |
15.46% |
13.52% |
13.12% |
Augmented Payout Ratio |
|
0.00% |
0.00% |
51.98% |
1.90% |
1.37% |
21.78% |
44.10% |
35.10% |
13.52% |
13.12% |
Quarterly Metrics And Ratios for Byline Bancorp
This table displays calculated financial ratios and metrics derived from Byline Bancorp's official financial filings.
Metric |
|
Q3 2022 |
Q4 2022 |
Q1 2023 |
Q2 2023 |
Q3 2023 |
Q4 2023 |
Q1 2024 |
Q2 2024 |
Q3 2024 |
Q4 2024 |
Q1 2025 |
Growth Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Revenue Growth |
|
3.23% |
9.12% |
16.25% |
19.36% |
29.63% |
14.76% |
11.17% |
9.85% |
-2.85% |
3.85% |
2.05% |
EBITDA Growth |
|
-1.29% |
-12.83% |
14.04% |
33.82% |
-18.51% |
92.92% |
21.04% |
10.33% |
4.70% |
-2.60% |
-9.74% |
EBIT Growth |
|
-9.75% |
29.12% |
12.67% |
35.36% |
24.98% |
35.71% |
25.82% |
13.51% |
4.99% |
0.99% |
-7.62% |
NOPAT Growth |
|
-10.47% |
32.08% |
7.32% |
28.71% |
24.57% |
30.39% |
27.12% |
13.65% |
7.46% |
2.42% |
-7.20% |
Net Income Growth |
|
-10.47% |
32.08% |
7.32% |
28.71% |
24.57% |
30.39% |
27.12% |
13.65% |
7.46% |
2.42% |
-7.20% |
EPS Growth |
|
-7.58% |
35.56% |
10.34% |
29.63% |
6.56% |
11.48% |
9.38% |
-2.86% |
6.15% |
0.00% |
-8.57% |
Operating Cash Flow Growth |
|
250.70% |
22.53% |
-47.03% |
-27.92% |
139.96% |
-114.31% |
26.87% |
-7.36% |
-74.81% |
1,164.94% |
-56.59% |
Free Cash Flow Firm Growth |
|
-109.58% |
89.15% |
-172.03% |
165.26% |
-1,385.32% |
161.36% |
18.02% |
-477.96% |
120.19% |
-1,817.50% |
117.68% |
Invested Capital Growth |
|
2.62% |
3.46% |
29.65% |
-7.62% |
17.52% |
0.82% |
19.44% |
39.74% |
-0.98% |
21.28% |
-1.08% |
Revenue Q/Q Growth |
|
6.70% |
8.61% |
3.46% |
-0.45% |
15.89% |
-3.85% |
0.22% |
-1.63% |
2.49% |
2.78% |
-1.52% |
EBITDA Q/Q Growth |
|
28.33% |
-23.14% |
7.75% |
8.53% |
-21.85% |
81.95% |
-21.58% |
-1.07% |
-25.84% |
69.28% |
-27.33% |
EBIT Q/Q Growth |
|
16.88% |
-3.48% |
9.46% |
9.62% |
7.91% |
4.81% |
1.48% |
-1.10% |
-0.19% |
0.81% |
-7.16% |
NOPAT Q/Q Growth |
|
11.70% |
0.21% |
5.47% |
9.03% |
8.10% |
4.90% |
2.82% |
-2.53% |
2.21% |
-0.03% |
-6.83% |
Net Income Q/Q Growth |
|
11.70% |
0.21% |
5.47% |
9.03% |
8.10% |
4.90% |
2.82% |
-2.53% |
2.21% |
-0.03% |
-6.83% |
EPS Q/Q Growth |
|
12.96% |
0.00% |
4.92% |
9.38% |
-7.14% |
4.62% |
2.94% |
-2.86% |
1.47% |
-1.45% |
-5.88% |
Operating Cash Flow Q/Q Growth |
|
-45.55% |
6.00% |
41.58% |
-11.80% |
81.29% |
-106.32% |
1,355.26% |
-35.60% |
-50.70% |
167.19% |
-48.83% |
Free Cash Flow Firm Q/Q Growth |
|
93.06% |
-75.77% |
-1,095.92% |
144.74% |
-257.93% |
107.26% |
-1,697.66% |
-106.29% |
108.44% |
-717.80% |
116.44% |
Invested Capital Q/Q Growth |
|
-6.87% |
0.32% |
3.45% |
-4.42% |
18.47% |
-13.94% |
22.56% |
11.82% |
-16.05% |
5.42% |
-0.04% |
Profitability Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBITDA Margin |
|
45.79% |
32.40% |
39.15% |
42.68% |
28.78% |
54.47% |
42.62% |
42.87% |
31.02% |
51.09% |
37.70% |
EBIT Margin |
|
37.73% |
33.53% |
35.48% |
39.07% |
36.38% |
39.66% |
40.15% |
40.37% |
39.31% |
38.56% |
36.35% |
Profit (Net Income) Margin |
|
28.02% |
25.85% |
26.35% |
28.86% |
26.92% |
29.37% |
30.13% |
29.86% |
29.78% |
28.97% |
27.40% |
Tax Burden Percent |
|
74.25% |
77.09% |
74.28% |
73.88% |
74.01% |
74.07% |
75.05% |
73.96% |
75.75% |
75.12% |
75.38% |
Interest Burden Percent |
|
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
100.00% |
Effective Tax Rate |
|
25.75% |
22.91% |
25.72% |
26.12% |
25.99% |
25.93% |
24.95% |
26.04% |
24.25% |
24.88% |
24.62% |
Return on Invested Capital (ROIC) |
|
5.92% |
5.59% |
6.36% |
6.47% |
6.12% |
7.46% |
6.95% |
6.74% |
6.79% |
6.96% |
6.01% |
ROIC Less NNEP Spread (ROIC-NNEP) |
|
5.92% |
5.59% |
6.36% |
6.47% |
6.12% |
7.46% |
6.95% |
6.74% |
6.79% |
6.96% |
6.01% |
Return on Net Nonoperating Assets (RNNOA) |
|
5.32% |
4.82% |
4.80% |
6.33% |
5.95% |
5.48% |
6.31% |
6.39% |
5.12% |
4.36% |
4.46% |
Return on Equity (ROE) |
|
11.24% |
10.41% |
11.16% |
12.79% |
12.08% |
12.94% |
13.26% |
13.13% |
11.90% |
11.32% |
10.47% |
Cash Return on Invested Capital (CROIC) |
|
2.94% |
2.50% |
-19.38% |
14.03% |
-9.97% |
6.27% |
-11.07% |
-26.59% |
7.77% |
-12.10% |
7.45% |
Operating Return on Assets (OROA) |
|
1.70% |
1.54% |
1.66% |
1.86% |
1.68% |
1.89% |
1.88% |
1.90% |
1.73% |
1.71% |
1.57% |
Return on Assets (ROA) |
|
1.26% |
1.19% |
1.23% |
1.37% |
1.24% |
1.40% |
1.41% |
1.41% |
1.31% |
1.28% |
1.18% |
Return on Common Equity (ROCE) |
|
11.16% |
10.34% |
11.18% |
12.79% |
12.08% |
12.94% |
13.28% |
13.14% |
11.90% |
11.32% |
10.47% |
Return on Equity Simple (ROE_SIMPLE) |
|
11.03% |
0.00% |
11.26% |
11.72% |
10.98% |
0.00% |
11.33% |
11.42% |
10.95% |
0.00% |
10.48% |
Net Operating Profit after Tax (NOPAT) |
|
23 |
23 |
24 |
26 |
28 |
30 |
30 |
30 |
30 |
30 |
28 |
NOPAT Margin |
|
28.02% |
25.85% |
26.35% |
28.86% |
26.92% |
29.37% |
30.13% |
29.86% |
29.78% |
28.97% |
27.40% |
Net Nonoperating Expense Percent (NNEP) |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
SG&A Expenses to Revenue |
|
45.60% |
44.12% |
42.50% |
42.36% |
44.60% |
40.98% |
42.95% |
42.86% |
42.77% |
44.10% |
44.89% |
Operating Expenses to Revenue |
|
57.10% |
56.45% |
53.71% |
54.53% |
55.22% |
53.17% |
53.27% |
53.55% |
53.35% |
54.87% |
54.74% |
Earnings before Interest and Taxes (EBIT) |
|
31 |
29 |
32 |
35 |
38 |
40 |
41 |
40 |
40 |
40 |
37 |
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA) |
|
37 |
28 |
36 |
39 |
30 |
55 |
43 |
43 |
32 |
53 |
39 |
Valuation Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Price to Book Value (P/BV) |
|
0.98 |
1.08 |
1.00 |
0.82 |
0.92 |
1.02 |
0.94 |
1.01 |
1.08 |
1.18 |
1.03 |
Price to Tangible Book Value (P/TBV) |
|
1.25 |
1.37 |
1.24 |
1.02 |
1.19 |
1.29 |
1.18 |
1.25 |
1.32 |
1.44 |
1.25 |
Price to Revenue (P/Rev) |
|
2.33 |
2.58 |
2.37 |
1.91 |
2.27 |
2.61 |
2.39 |
2.57 |
2.94 |
3.15 |
2.86 |
Price to Earnings (P/E) |
|
8.96 |
9.47 |
8.88 |
7.01 |
8.39 |
9.37 |
8.31 |
8.85 |
9.87 |
10.62 |
9.86 |
Dividend Yield |
|
1.84% |
1.62% |
1.71% |
2.03% |
1.86% |
1.56% |
1.68% |
1.52% |
1.34% |
1.25% |
1.41% |
Earnings Yield |
|
11.16% |
10.56% |
11.27% |
14.27% |
11.92% |
10.67% |
12.04% |
11.30% |
10.13% |
9.41% |
10.14% |
Enterprise Value to Invested Capital (EV/IC) |
|
0.85 |
0.92 |
0.82 |
0.69 |
0.72 |
0.87 |
0.63 |
0.66 |
0.79 |
0.80 |
0.79 |
Enterprise Value to Revenue (EV/Rev) |
|
4.07 |
4.35 |
3.83 |
2.96 |
3.41 |
3.42 |
2.97 |
3.39 |
3.46 |
3.65 |
3.60 |
Enterprise Value to EBITDA (EV/EBITDA) |
|
9.90 |
11.18 |
9.56 |
7.17 |
9.29 |
8.32 |
7.07 |
8.06 |
8.11 |
8.69 |
8.83 |
Enterprise Value to EBIT (EV/EBIT) |
|
11.88 |
12.23 |
10.86 |
8.11 |
9.44 |
9.09 |
7.66 |
8.67 |
8.69 |
9.21 |
9.31 |
Enterprise Value to NOPAT (EV/NOPAT) |
|
15.57 |
15.95 |
14.34 |
10.84 |
12.64 |
12.28 |
10.31 |
11.67 |
11.63 |
12.28 |
12.41 |
Enterprise Value to Operating Cash Flow (EV/OCF) |
|
6.00 |
6.37 |
7.27 |
6.47 |
6.20 |
7.98 |
6.58 |
7.82 |
11.90 |
8.47 |
10.52 |
Enterprise Value to Free Cash Flow (EV/FCFF) |
|
29.28 |
37.67 |
0.00 |
4.72 |
0.00 |
13.87 |
0.00 |
0.00 |
10.15 |
0.00 |
10.59 |
Leverage & Solvency |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Debt to Equity |
|
1.02 |
0.98 |
0.97 |
0.84 |
0.93 |
0.54 |
0.86 |
1.03 |
0.61 |
0.70 |
0.64 |
Long-Term Debt to Equity |
|
0.15 |
0.96 |
0.97 |
0.14 |
0.16 |
0.49 |
0.14 |
1.03 |
0.13 |
0.67 |
0.13 |
Financial Leverage |
|
0.90 |
0.86 |
0.75 |
0.98 |
0.97 |
0.74 |
0.91 |
0.95 |
0.75 |
0.63 |
0.74 |
Leverage Ratio |
|
8.89 |
8.77 |
9.07 |
9.31 |
9.73 |
9.25 |
9.39 |
9.32 |
9.11 |
8.83 |
8.88 |
Compound Leverage Factor |
|
8.89 |
8.77 |
9.07 |
9.31 |
9.73 |
9.25 |
9.39 |
9.32 |
9.11 |
8.83 |
8.88 |
Debt to Total Capital |
|
50.57% |
49.53% |
49.31% |
45.74% |
48.24% |
35.27% |
46.18% |
50.72% |
37.71% |
41.17% |
39.01% |
Short-Term Debt to Total Capital |
|
43.24% |
1.01% |
0.00% |
38.32% |
40.13% |
3.39% |
38.47% |
0.00% |
29.48% |
1.73% |
31.18% |
Long-Term Debt to Total Capital |
|
7.33% |
48.51% |
49.31% |
7.42% |
8.11% |
31.88% |
7.71% |
50.72% |
8.23% |
39.43% |
7.82% |
Preferred Equity to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Noncontrolling Interests to Total Capital |
|
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
0.00% |
Common Equity to Total Capital |
|
49.43% |
50.47% |
50.82% |
54.26% |
51.76% |
64.73% |
53.82% |
49.36% |
62.29% |
58.83% |
60.99% |
Debt to EBITDA |
|
5.90 |
5.99 |
5.76 |
4.76 |
6.24 |
3.39 |
5.19 |
6.23 |
3.85 |
4.47 |
4.34 |
Net Debt to EBITDA |
|
4.23 |
4.56 |
3.64 |
2.54 |
3.12 |
1.97 |
1.37 |
1.95 |
1.23 |
1.17 |
1.81 |
Long-Term Debt to EBITDA |
|
0.85 |
5.86 |
5.76 |
0.77 |
1.05 |
3.06 |
0.87 |
6.23 |
0.84 |
4.29 |
0.87 |
Debt to NOPAT |
|
9.28 |
8.54 |
8.64 |
7.19 |
8.49 |
5.00 |
7.57 |
9.02 |
5.53 |
6.32 |
6.10 |
Net Debt to NOPAT |
|
6.65 |
6.50 |
5.47 |
3.84 |
4.24 |
2.90 |
2.00 |
2.82 |
1.76 |
1.66 |
2.55 |
Long-Term Debt to NOPAT |
|
1.35 |
8.37 |
8.64 |
1.17 |
1.43 |
4.52 |
1.26 |
9.02 |
1.21 |
6.06 |
1.22 |
Noncontrolling Interest Sharing Ratio |
|
0.66% |
0.65% |
-0.24% |
0.00% |
0.00% |
0.00% |
-0.11% |
-0.10% |
0.00% |
0.00% |
0.00% |
Liquidity Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Cash Flow Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Free Cash Flow to Firm (FCFF) |
|
-16 |
-28 |
-335 |
150 |
-237 |
17 |
-275 |
-567 |
48 |
-295 |
49 |
Operating Cash Flow to CapEx |
|
4,990.70% |
11,415.79% |
17,485.77% |
3,444.83% |
5,965.22% |
-494.13% |
41,836.24% |
5,507.00% |
3,049.77% |
2,871.06% |
1,344.88% |
Free Cash Flow to Firm to Interest Expense |
|
-1.45 |
-1.63 |
-13.80 |
4.82 |
-5.36 |
0.35 |
-5.20 |
-10.29 |
0.81 |
-5.78 |
1.04 |
Operating Cash Flow to Interest Expense |
|
2.97 |
2.02 |
2.02 |
1.39 |
1.78 |
-0.10 |
1.18 |
0.73 |
0.34 |
1.04 |
0.58 |
Operating Cash Flow Less CapEx to Interest Expense |
|
2.91 |
2.00 |
2.01 |
1.35 |
1.75 |
-0.12 |
1.18 |
0.72 |
0.32 |
1.00 |
0.54 |
Efficiency Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Asset Turnover |
|
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.05 |
0.04 |
0.04 |
0.04 |
Fixed Asset Turnover |
|
4.64 |
5.41 |
5.67 |
5.98 |
5.93 |
6.27 |
6.59 |
6.75 |
6.19 |
6.40 |
6.59 |
Capital & Investment Metrics |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Invested Capital |
|
1,512 |
1,517 |
1,570 |
1,500 |
1,777 |
1,530 |
1,875 |
2,096 |
1,760 |
1,855 |
1,854 |
Invested Capital Turnover |
|
0.21 |
0.22 |
0.24 |
0.22 |
0.23 |
0.25 |
0.23 |
0.23 |
0.23 |
0.24 |
0.22 |
Increase / (Decrease) in Invested Capital |
|
39 |
51 |
359 |
-124 |
265 |
12 |
305 |
596 |
-17 |
326 |
-20 |
Enterprise Value (EV) |
|
1,284 |
1,403 |
1,285 |
1,035 |
1,276 |
1,324 |
1,179 |
1,377 |
1,396 |
1,483 |
1,471 |
Market Capitalization |
|
735 |
831 |
795 |
669 |
847 |
1,011 |
950 |
1,044 |
1,185 |
1,283 |
1,169 |
Book Value per Share |
|
$19.93 |
$20.43 |
$21.15 |
$21.58 |
$21.05 |
$22.65 |
$22.74 |
$23.45 |
$24.77 |
$24.59 |
$25.31 |
Tangible Book Value per Share |
|
$15.65 |
$16.19 |
$16.97 |
$17.45 |
$16.36 |
$17.99 |
$18.18 |
$18.90 |
$20.26 |
$20.13 |
$20.90 |
Total Capital |
|
1,512 |
1,517 |
1,570 |
1,500 |
1,777 |
1,530 |
1,875 |
2,096 |
1,760 |
1,855 |
1,854 |
Total Debt |
|
765 |
751 |
774 |
686 |
857 |
540 |
866 |
1,063 |
664 |
764 |
723 |
Total Long-Term Debt |
|
111 |
736 |
774 |
111 |
144 |
488 |
144 |
1,063 |
145 |
732 |
145 |
Net Debt |
|
549 |
572 |
490 |
366 |
429 |
313 |
229 |
333 |
211 |
201 |
302 |
Capital Expenditures (CapEx) |
|
0.66 |
0.30 |
0.28 |
1.26 |
1.32 |
1.01 |
0.15 |
0.73 |
0.65 |
1.84 |
2.01 |
Net Nonoperating Expense (NNE) |
|
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
Net Nonoperating Obligations (NNO) |
|
765 |
751 |
774 |
686 |
857 |
540 |
866 |
1,063 |
664 |
764 |
723 |
Total Depreciation and Amortization (D&A) |
|
6.52 |
-0.99 |
3.34 |
3.27 |
-7.96 |
15 |
2.50 |
2.48 |
-8.45 |
13 |
1.39 |
Earnings Adjustments |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Adjusted Basic Earnings per Share |
|
$0.61 |
$0.61 |
$0.65 |
$0.70 |
$0.66 |
$0.68 |
$0.70 |
$0.68 |
$0.70 |
$0.70 |
$0.65 |
Adjusted Weighted Average Basic Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Adjusted Diluted Earnings per Share |
|
$0.61 |
$0.61 |
$0.64 |
$0.70 |
$0.65 |
$0.68 |
$0.70 |
$0.68 |
$0.69 |
$0.68 |
$0.64 |
Adjusted Weighted Average Diluted Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Adjusted Basic & Diluted Earnings per Share |
|
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
Adjusted Weighted Average Basic & Diluted Shares Outstanding |
|
37.48M |
37.72M |
37.71M |
43.69M |
43.72M |
44.38M |
44.12M |
44.26M |
44.39M |
44.68M |
46.15M |
Normalized Net Operating Profit after Tax (NOPAT) |
|
23 |
23 |
24 |
26 |
28 |
31 |
30 |
30 |
30 |
30 |
28 |
Normalized NOPAT Margin |
|
28.02% |
26.18% |
26.37% |
28.86% |
26.92% |
30.83% |
30.13% |
29.86% |
29.78% |
28.97% |
27.40% |
Pre Tax Income Margin |
|
37.73% |
33.53% |
35.48% |
39.07% |
36.38% |
39.66% |
40.15% |
40.37% |
39.31% |
38.56% |
36.35% |
Debt Service Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
EBIT to Interest Expense |
|
2.77 |
1.71 |
1.33 |
1.14 |
0.86 |
0.81 |
0.77 |
0.73 |
0.68 |
0.79 |
0.80 |
NOPAT to Interest Expense |
|
2.05 |
1.32 |
0.99 |
0.84 |
0.64 |
0.60 |
0.58 |
0.54 |
0.51 |
0.59 |
0.61 |
EBIT Less CapEx to Interest Expense |
|
2.71 |
1.69 |
1.32 |
1.10 |
0.83 |
0.79 |
0.77 |
0.72 |
0.67 |
0.75 |
0.76 |
NOPAT Less CapEx to Interest Expense |
|
1.99 |
1.30 |
0.97 |
0.80 |
0.61 |
0.58 |
0.57 |
0.53 |
0.50 |
0.56 |
0.56 |
Payout Ratios |
|
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
- |
Dividend Payout Ratio |
|
16.76% |
15.46% |
14.93% |
13.93% |
13.89% |
13.52% |
13.25% |
13.51% |
13.16% |
13.12% |
13.77% |
Augmented Payout Ratio |
|
37.71% |
35.10% |
14.93% |
13.93% |
13.89% |
13.52% |
13.25% |
13.51% |
13.16% |
13.12% |
14.35% |
Key Financial Trends
Byline Bancorp (NYSE: BY) has delivered solid financial performance over the last four years, showing steady revenue growth, stable profitability, and a controlled expense base. Here is a summary of key trends and notable financial metrics based on the recent quarterly and annual data:
- Consistent Revenue Growth: Total revenue increased from $75.8 million in Q2 2022 to $103.1 million in Q1 2025, driven by growth in both net interest income and non-interest income.
- Strong Net Interest Income: Net interest income rose steadily from $61.6 million in Q2 2022 to $88.2 million in Q1 2025, supported by higher loans and leases interest income which increased from $59.7 million to $121.2 million in the same period.
- Net Income Growth: Net income attributable to common shareholders increased from $20.3 million in Q2 2022 to $28.2 million in Q1 2025, reflecting improved operational efficiency and stable credit conditions.
- Stable Earnings per Share (EPS): Basic EPS rose from $0.55 in Q2 2022 to $0.65 in Q1 2025, with diluted EPS moving from $0.54 to $0.64, showing consistent profitability per share.
- Loan Portfolio Expansion: Loans and leases grew from $5.17 billion in Q3 2022 to $7.03 billion by Q1 2025, indicating successful loan growth and market penetration.
- Controlled Credit Losses: Provision for credit losses has stayed relatively stable, ranging between approximately $5.9 million and $9.2 million quarterly, with no significant spikes, indicating manageable credit risk.
- Non-Interest Income Variability: Non-interest income, including service charges and capital gains, showed some fluctuations quarter to quarter but contributed meaningfully to total revenues.
- Capital and Equity Growth: Total common equity increased from roughly $765 million in Q2 2022 to $1.13 billion in Q1 2025, supporting balance sheet strength and regulatory capital requirements.
- Increasing Interest Expense: Total interest expense rose from $4.9 million in Q2 2022 to $46.6 million in Q1 2025, including deposits and long-term debt interest, which pressures net interest margin.
- Negative Net Change in Cash & Equivalents in Q1 2025: The company experienced a significant $142 million decrease in cash and equivalents in Q1 2025, largely due to net cash used in investing activities, which could stress liquidity in the short term.
In summary, Byline Bancorp has demonstrated steady earnings growth fueled by loan portfolio expansion and stable income streams. However, rising interest expenses and quarterly cash outflows warrant monitoring. The trend toward improved equity and consistent provisioning for credit losses supports the bank's ongoing financial health.
08/30/25 07:47 AM ETAI Generated. May Contain Errors.