Byline Bancorp (BY) Financials

$33.20 +0.24 (+0.71%)

Closing price 03:59 PM Eastern

Extended Trading

$33.18 -0.01 (-0.03%)

As of 06:38 PM Eastern

Annual Income Statements for Byline Bancorp

This table shows Byline Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
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	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-15	67	10	40	56	37	92	88	108	121	130
Consolidated Net Income / (Loss)	-15	67	22	41	57	37	93	88	108	121	130
Net Income / (Loss) Continuing Operations	-15	67	22	34	57	37	93	88	108	121	130
Total Pre-Tax Income	-15	5.48	41	55	77	52	124	115	146	161	173
Total Revenue	97	117	172	221	272	277	311	323	387	407	446
Net Interest Income / (Expense)	77	91	123	179	216	215	236	265	331	348	385
Total Interest Income	83	98	137	207	265	239	249	302	479	566	572
Loans and Leases Interest Income	70	83	120	185	236	209	223	273	441	502	511
Investment Securities Interest Income	13	15	16	20	27	29	24	25	31	43	52
Other Interest Income	0.19	0.39	0.87	1.85	2.29	1.57	2.33	2.76	7.69	20	9.24
Total Interest Expense	6.63	7.75	14	28	49	24	13	36	149	218	187
Deposits Interest Expense	4.31	4.58	7.74	19	36	17	4.50	20	121	192	168
Long-Term Debt Interest Expense	2.30	2.46	2.86	9.02	12	7.63	8.04	16	27	26	19
Total Non-Interest Income	21	26	49	50	56	62	74	57	56	59	61
Trust Fees by Commissions	-	-	0.00	1.55	2.58	2.68	3.07	3.81	4.16	4.31	4.85
Other Service Charges	15	18	16	8.87	19	8.68	11	34	33	36	38
Net Realized & Unrealized Capital Gains on Investments	6.22	7.55	33	32	34	39	48	20	19	18	18
Provision for Credit Losses	6.97	10	13	19	21	57	0.97	24	32	27	36
Total Non-Interest Expense	105	101	118	154	174	169	185	184	210	219	237
Salaries and Employee Benefits	46	51	67	80	95	90	101	118	127	140	150
Net Occupancy & Equipment Expense	25	25	26	36	34	34	32	30	38	36	38
Marketing Expense	1.57	0.62	1.04	1.72	3.40	1.29	1.80	2.83	3.80	4.98	5.64
Property & Liability Insurance Claims	7.09	5.86	7.03	11	11	8.14	10	10	13	13	16
Other Operating Expenses	22	14	14	18	21	21	19	15	20	19	21
Amortization Expense	2.98	3.00	3.07	5.63	7.74	7.62	7.07	6.67	6.01	5.38	5.61
Impairment Charge	-	-	-	-	0.57	4.77	12	0.37	2.00	0.00	0.20
Income Tax Expense	0.31	-61	19	14	20	14	31	27	38	40	43
Basic Earnings per Share	($0.86)	$3.31	$0.39	$1.21	$1.51	$0.96	$2.45	$2.37	$2.69	$2.78	$2.90
Weighted Average Basic Shares Outstanding	-	20.20M	26.70M	36.37M	38.44M	38.75M	37.83M	37.72M	44.38M	44.68M	45.59M
Diluted Earnings per Share	($0.86)	$3.27	$0.38	$1.18	$1.48	$0.96	$2.40	$2.34	$2.67	$2.75	$2.89
Weighted Average Diluted Shares Outstanding	-	20.20M	26.70M	36.37M	38.44M	38.75M	37.83M	37.72M	44.38M	44.68M	45.59M
Weighted Average Basic & Diluted Shares Outstanding	-	20.20M	26.70M	36.37M	38.44M	38.75M	37.83M	37.72M	44.38M	44.68M	45.59M
Cash Dividends to Common per Share	-	-	-	-	-	$0.12	$0.30	$0.36	$0.36	$0.36	$0.40

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	28	30	30	30	30	30	28	30	37	35	38
Consolidated Net Income / (Loss)	28	30	30	30	30	30	28	30	37	35	38
Net Income / (Loss) Continuing Operations	28	30	30	30	30	30	28	30	37	35	38
Total Pre-Tax Income	38	40	41	40	40	40	37	39	50	47	50
Total Revenue	105	101	101	99	102	105	103	110	116	117	112
Net Interest Income / (Expense)	92	86	86	87	87	89	88	96	100	101	100
Total Interest Income	137	136	138	142	146	140	135	145	149	144	142
Loans and Leases Interest Income	125	124	124	127	128	124	121	128	132	129	126
Investment Securities Interest Income	8.42	9.23	9.73	11	11	12	12	14	13	12	14
Other Interest Income	2.71	2.35	4.80	4.53	6.84	4.19	1.50	2.42	2.92	2.41	2.12
Total Interest Expense	44	49	53	55	59	51	47	49	49	43	42
Deposits Interest Expense	37	43	46	48	52	47	42	44	43	38	36
Long-Term Debt Interest Expense	6.98	6.08	6.82	7.44	6.91	4.35	4.59	4.18	5.88	4.51	5.51
Total Non-Interest Income	12	15	15	13	14	16	15	14	16	16	13
Trust Fees by Commissions	0.94	1.26	1.16	0.94	1.10	1.11	1.08	1.07	1.37	1.32	1.26
Other Service Charges	8.92	8.16	9.09	8.72	9.22	12	9.08	10	9.11	9.90	8.77
Net Realized & Unrealized Capital Gains on Investments	2.51	5.09	5.22	3.18	4.07	2.90	4.70	3.31	5.39	4.49	2.51
Provision for Credit Losses	8.80	7.24	6.64	6.05	7.48	6.88	9.18	12	5.30	9.70	5.54
Total Non-Interest Expense	58	54	54	53	54	57	56	60	61	60	57
Salaries and Employee Benefits	35	32	34	34	35	37	36	38	37	39	36
Net Occupancy & Equipment Expense	12	9.33	9.43	8.68	8.59	8.88	10	9.73	9.43	8.53	9.37
Property & Liability Insurance Claims	3.81	2.35	2.72	3.71	3.64	3.36	3.25	4.84	3.88	4.09	3.24
Other Operating Expenses	5.78	2.60	6.36	5.57	5.78	1.59	5.79	5.72	8.22	1.61	7.10
Amortization Expense	1.55	1.55	1.35	1.35	1.35	1.35	1.12	1.50	1.49	1.49	1.24
Income Tax Expense	9.91	10	10	10	9.71	10	9.22	8.85	13	12	12
Basic Earnings per Share	$0.66	$0.68	$0.70	$0.68	$0.70	$0.70	$0.65	$0.66	$0.82	$0.77	$0.84
Weighted Average Basic Shares Outstanding	43.72M	44.38M	44.12M	44.26M	44.39M	44.68M	46.15M	45.86M	45.82M	45.59M	45.41M
Diluted Earnings per Share	$0.65	$0.68	$0.70	$0.68	$0.69	$0.68	$0.64	$0.66	$0.82	$0.77	$0.83
Weighted Average Diluted Shares Outstanding	43.72M	44.38M	44.12M	44.26M	44.39M	44.68M	46.15M	45.86M	45.82M	45.59M	45.41M
Weighted Average Basic & Diluted Shares Outstanding	43.72M	44.38M	44.12M	44.26M	44.39M	44.68M	46.15M	45.86M	45.82M	45.59M	45.41M

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	2025
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	12/31/2025
Net Change in Cash & Equivalents	-112	1.65	12	64	-41	2.68	75	21	47	337	-414
Net Cash From Operating Activities	-43	4.24	27	80	29	109	74	220	166	175	140
Net Cash From Continuing Operating Activities	-43	4.24	27	80	29	109	74	220	166	175	140
Net Income / (Loss) Continuing Operations	-15	67	22	41	57	37	93	88	108	121	130
Consolidated Net Income / (Loss)	-15	67	22	41	57	37	93	88	108	121	130
Provision For Loan Losses	6.97	10	13	19	21	57	0.97	24	32	27	36
Depreciation Expense	5.80	5.06	5.19	5.58	6.39	6.48	5.99	4.29	4.53	5.03	4.55
Amortization Expense	-32	6.63	-1.92	-12	-13	16	15	6.56	9.05	4.62	-0.01
Non-Cash Adjustments to Reconcile Net Income	-0.03	-73	0.91	34	-23	-40	4.79	56	21	-45	-57
Changes in Operating Assets and Liabilities, net	-9.04	-12	-12	-7.45	-18	33	-46	41	-8.37	63	27
Net Cash From Investing Activities	-189	-302	-62	-369	-251	-886	-236	-820	-336	-331	-224
Net Cash From Continuing Investing Activities	-189	-302	-62	-369	-251	-886	-236	-820	-336	-331	-224
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	-4.00
Purchase of Investment Securities	-1,026	-1,074	-206	-508	-576	-1,532	-933	-1,011	-631	-610	-657
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	0.00
Divestitures	-	-	-	20	4.31	0.00	0.00	0.00	7.83	0.00	62
Sale and/or Maturity of Investments	840	786	141	119	325	649	699	194	291	282	375
Net Cash From Financing Activities	121	299	47	353	180	780	236	621	217	493	-331
Net Cash From Continuing Financing Activities	121	299	47	353	180	780	236	621	217	493	-331
Net Change in Deposits	81	-51	-46	285	108	605	403	540	515	281	-91
Issuance of Debt	1,944	6,542	3,037	5,932	8,516	9,542	13,337	22,270	17,730	2,775	7,484
Issuance of Common Equity	-	50	77	2.54	3.73	3.63	2.14	1.51	1.79	4.52	1.90
Repayment of Debt	-1,906	-6,255	-3,010	-5,868	-8,462	-9,804	-13,650	-22,135	-18,041	-2,743	-7,732
Repurchase of Common Equity	-	-	-	0.00	0.00	-1.67	-29	-17	0.00	0.00	-24
Payment of Dividends	-	-	-11	-0.78	-0.78	-6.49	-12	-14	-15	-16	-18
Other Financing Activities, Net	1.93	4.59	14	2.98	15	442	184	-14	25	191	47
Cash Interest Paid	10	6.15	15	26	48	26	13	31	129	217	197
Cash Income Taxes Paid	-	-0.25	2.85	3.51	19	14	35	29	7.99	5.05	10

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	109	-203	411	94	-278	111	-141	-203	41	-110	49
Net Cash From Operating Activities	79	-4.97	62	40	20	53	28	16	38	59	55
Net Cash From Continuing Operating Activities	79	-4.97	62	40	20	53	28	16	38	59	55
Net Income / (Loss) Continuing Operations	28	30	30	30	30	30	28	30	37	35	38
Consolidated Net Income / (Loss)	28	30	30	30	30	30	28	30	37	35	38
Provision For Loan Losses	8.80	7.24	6.64	6.05	7.48	6.88	9.18	12	5.30	9.70	5.54
Depreciation Expense	1.26	1.34	1.31	1.28	1.25	1.20	1.16	1.11	1.14	1.14	1.13
Amortization Expense	-9.22	14	1.19	1.21	-9.69	12	-2.36	-0.03	0.02	-0.23	-0.39
Non-Cash Adjustments to Reconcile Net Income	9.37	9.02	-54	6.27	24	-22	-72	15	-2.19	5.52	-42
Changes in Operating Assets and Liabilities, net	40	-66	77	-4.32	-34	24	64	-42	-3.12	7.99	53
Net Cash From Investing Activities	-135	-99	-147	-138	-47	-0.19	-218	-16	-32	42	-230
Net Cash From Continuing Investing Activities	-135	-99	-147	-138	-47	-0.19	-218	-16	-32	42	-230
Purchase of Property, Leasehold Improvements and Equipment	-1.32	-1.01	-0.51	-0.73	-0.65	-2.10	-2.01	-1.09	-0.38	-0.52	-0.46
Purchase of Investment Securities	-343	-128	-209	-230	-92	-78	-273	-161	-115	-110	-284
Sale and/or Maturity of Investments	201	30	62	94	47	80	57	84	83	153	55
Net Cash From Financing Activities	165	-99	495	191	-251	58	49	-203	34	-211	224
Net Cash From Continuing Financing Activities	165	-99	495	191	-254	61	49	-203	34	-211	224
Net Change in Deposits	71	222	173	-3.30	150	-40	95	-22	18	-181	154
Issuance of Debt	5,955	2,052	570	1,130	670	405	3,065	1,235	1,664	1,520	5,703
Issuance of Common Equity	0.35	0.84	0.00	-	2.32	1.33	0.01	1.03	0.14	0.72	0.12
Repayment of Debt	-5,860	-2,372	-438	-932	-872	-502	-3,102	-1,405	-1,650	-1,575	-5,618
Repurchase of Common Equity	-	-	0.00	-	-	-	-0.69	-13	-0.19	-9.75	-9.81
Payment of Dividends	-4.05	-3.88	-3.89	-4.12	-3.92	-3.93	-4.37	-4.78	-4.51	-4.51	-5.36
Other Financing Activities, Net	2.86	2.37	194	-0.77	-201	199	-3.86	5.87	7.18	38	0.17
Cash Interest Paid	36	46	53	50	65	50	51	53	47	45	44
Cash Income Taxes Paid	3.32	5.89	-	0.57	2.26	9.27	0.33	-	-	-	0.33

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	2025
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	12/31/2025
Total Assets	3,296	3,366	4,943	5,522	6,391	6,696	7,363	8,882	9,497	9,653
Cash and Due from Banks	18	19	30	48	41	35	62	60	59	60
Interest Bearing Deposits at Other Banks	29	39	92	33	42	123	117	166	504	89
Trading Account Securities	771	706	937	1,210	1,468	1,533	1,233	1,370	1,429	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	7,401
Loans and Leases	2,148	2,277	3,502	3,786	4,341	4,537	5,421	6,684	6,907	7,509
Allowance for Loan and Lease Losses	11	17	25	32	66	55	82	102	98	109
Premises and Equipment, Net	102	95	98	96	87	63	57	67	61	58
Intangible Assets	20	17	33	32	24	17	11	22	16	201
Other Assets	167	175	148	157	164	282	384	397	398	415
Total Liabilities & Shareholders' Equity	3,296	3,366	4,943	5,522	6,391	6,696	7,363	8,882	9,497	9,653
Total Liabilities	2,913	2,908	4,292	4,772	5,585	5,860	6,597	7,892	8,405	8,385
Non-Interest Bearing Deposits	724	761	1,193	1,280	1,763	2,158	2,139	1,906	1,756	1,819
Interest Bearing Deposits	1,766	1,682	2,557	2,868	2,989	2,997	3,556	5,271	5,703	5,829
Short-Term Debt	38	31	34	50	42	30	15	52	32	420
Accrued Interest Payable	2.43	1.31	3.48	3.68	1.48	0.26	4.49	22	21	172
Long-Term Debt	341	389	462	527	344	600	736	488	732	145
Commitments & Contingencies	0.00	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	1,268
Total Preferred & Common Equity	383	459	651	750	805	836	766	990	1,091	1,268
Preferred Stock	25	10	10	10	10	10	0.00	0.00	0.00	0.00
Total Common Equity	357	448	640	740	761	826	766	990	1,091	1,268
Common Stock	314	392	547	581	588	594	599	711	718	761
Retained Earnings	51	61	103	159	191	272	336	429	534	646
Treasury Stock	-	-	-	0.00	0.00	-32	-51	-50	-47	-66
Accumulated Other Comprehensive Income / (Loss)	-7.27	-5.09	-9.50	-0.70	-18	-8.30	-118	-100	-114	-73

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	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	7,278	7,530	7,576	8,943	9,411	9,634	9,424	9,585	9,720	9,812	9,910
Cash and Due from Banks	57	53	60	71	59	68	77	73	75	70	62
Interest Bearing Deposits at Other Banks	160	231	261	358	578	662	376	348	143	189	136
Trading Account Securities	1,227	1,204	1,172	1,256	1,413	1,410	1,532	1,570	1,612	1,543	1,675
Loans and Leases, Net of Allowance	5,211	5,425	5,478	6,508	6,676	6,791	6,781	6,925	7,220	7,335	7,366
Loans and Leases	5,275	5,515	5,571	6,613	6,778	6,891	6,879	7,026	7,328	7,441	7,475
Allowance for Loan and Lease Losses	65	90	93	106	102	100	99	100	108	106	109
Premises and Equipment, Net	59	56	56	67	64	64	63	60	60	59	57
Intangible Assets	160	157	156	205	202	201	199	197	204	202	199
Other Assets	404	404	393	478	418	438	397	411	407	414	413
Total Liabilities & Shareholders' Equity	7,278	7,530	7,576	8,943	9,411	9,634	9,424	9,585	9,720	9,812	9,910
Total Liabilities	6,530	6,735	6,762	8,023	8,401	8,601	8,328	8,454	8,528	8,575	8,629
Non-Interest Bearing Deposits	2,142	1,952	1,794	1,960	1,852	1,763	1,730	1,716	1,773	1,933	1,819
Interest Bearing Deposits	3,470	3,861	4,123	4,994	5,498	5,584	5,768	5,838	6,037	5,895	5,983
Short-Term Debt	654	-	575	713	721	-	519	578	414	361	505
Accrued Interest Payable	153	148	158	212	186	190	167	177	158	165	178
Long-Term Debt	111	774	111	144	144	1,063	145	145	145	220	146
Commitments & Contingencies	-	-	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	748	796	814	920	1,009	1,033	1,096	1,131	1,192	1,238	1,280
Total Preferred & Common Equity	748	796	814	920	1,009	1,033	1,096	1,131	1,192	1,238	1,280
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	748	798	814	920	1,009	1,035	1,096	1,131	1,192	1,238	1,280
Common Stock	597	598	600	709	709	711	715	714	757	759	755
Retained Earnings	327	356	379	403	456	481	508	558	583	616	678
Treasury Stock	-52	-49	-50	-50	-49	-46	-48	-44	-57	-57	-71
Accumulated Other Comprehensive Income / (Loss)	-125	-108	-115	-142	-107	-111	-79	-96	-90	-80	-82

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	2025
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	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	-	45,819,227.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	45,819,227.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	-	2.84
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	19.55%	47.56%	28.38%	23.15%	1.91%	12.13%	3.86%	19.93%	5.16%	9.68%
EBITDA Growth	0.00%	141.83%	156.56%	-6.12%	70.47%	5.06%	96.63%	-13.84%	26.87%	7.20%	4.14%
EBIT Growth	0.00%	137.39%	643.87%	17.64%	61.06%	-33.16%	140.41%	-7.67%	27.03%	10.57%	7.56%
NOPAT Growth	0.00%	749.94%	-67.49%	89.87%	38.38%	-34.27%	147.64%	-5.21%	22.65%	11.94%	7.69%
Net Income Growth	0.00%	545.63%	-67.49%	89.87%	38.38%	-34.27%	147.64%	-5.21%	22.65%	11.94%	7.69%
EPS Growth	0.00%	480.23%	-88.38%	210.53%	25.42%	-35.14%	150.00%	-2.50%	14.10%	3.00%	5.09%
Operating Cash Flow Growth	0.00%	109.74%	533.92%	197.68%	-63.33%	271.91%	-31.73%	196.04%	-24.63%	5.48%	-19.89%
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%	174.42%
Invested Capital Growth	0.00%	0.00%	15.47%	30.46%	15.74%	-10.24%	23.11%	3.46%	0.82%	21.28%	-1.20%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	7.49%	7.06%	-14.03%	18.56%	2.33%	3.47%	0.96%	2.84%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	-28.76%	25.49%	-32.78%	39.00%	-3.23%	15.93%	-0.83%	-3.07%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	11.75%	19.86%	-51.26%	63.44%	6.15%	7.78%	0.25%	3.94%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	76.75%	-2.18%	-8.68%	5.57%	6.69%	6.83%	0.60%	3.34%
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%	3.34%
EPS Q/Q Growth	0.00%	0.00%	0.00%	73.53%	-5.13%	-9.43%	6.19%	7.34%	2.69%	0.00%	3.21%
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%	4.28%
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%	129.11%
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%	0.75%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	-42.12%	14.74%	25.63%	18.74%	25.94%	26.74%	46.90%	38.91%	41.16%	41.96%	39.84%
EBIT Margin	-15.05%	4.71%	23.73%	21.74%	28.43%	18.65%	39.99%	35.54%	37.65%	39.59%	38.82%
Profit (Net Income) Margin	-15.36%	57.27%	12.62%	18.66%	20.97%	13.52%	29.87%	27.26%	27.88%	29.68%	29.14%
Tax Burden Percent	102.09%	1,216.79%	53.18%	74.30%	73.75%	72.52%	74.70%	76.69%	74.05%	74.97%	75.06%
Interest Burden Percent	100.00%	100.00%	100.00%	115.52%	100.00%	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%	24.94%
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%	7.05%
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%	7.05%
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%	3.97%
Return on Equity (ROE)	0.00%	34.88%	5.16%	7.43%	8.14%	4.93%	11.54%	10.98%	12.29%	11.60%	11.02%
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%	8.26%
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%	1.81%
Return on Assets (ROA)	0.00%	2.02%	0.65%	0.99%	1.09%	0.63%	1.42%	1.25%	1.33%	1.31%	1.36%
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%	11.02%
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%	10.26%
Net Operating Profit after Tax (NOPAT)	-10	67	22	41	57	37	93	88	108	121	130
NOPAT Margin	-10.53%	57.27%	12.62%	18.66%	20.97%	13.52%	29.87%	27.26%	27.88%	29.68%	29.14%
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	74.81%	64.99%	54.90%	53.73%	48.64%	45.08%	43.59%	46.87%	43.62%	44.40%	43.41%
Operating Expenses to Revenue	107.90%	86.41%	68.92%	69.74%	63.95%	60.89%	59.70%	57.05%	54.17%	53.77%	53.09%
Earnings before Interest and Taxes (EBIT)	-15	5.48	41	48	77	52	124	115	146	161	173
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-41	17	44	41	71	74	146	126	159	171	178
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	1.05
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	1.25
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	2.98
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	10.23
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.16%	0.82%	1.26%	1.62%	1.56%	1.25%	1.38%
Earnings Yield	0.00%	0.00%	1.66%	7.15%	8.04%	6.51%	9.32%	10.56%	10.67%	9.41%	9.77%
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	0.95
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	3.91
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	9.82
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	10.08
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	13.43
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	12.45
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	11.46
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	0.45
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	0.38
Financial Leverage	0.00	0.99	0.95	0.83	0.77	0.66	0.65	0.86	0.74	0.63	0.56
Leverage Ratio	0.00	8.61	7.92	7.49	7.47	7.83	8.14	8.77	9.25	8.83	8.12
Compound Leverage Factor	0.00	8.61	7.92	8.65	7.47	7.83	8.14	8.77	9.25	8.83	8.12
Debt to Total Capital	0.00%	49.73%	47.82%	43.25%	43.48%	33.35%	42.97%	49.53%	35.27%	41.17%	30.82%
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%	4.34%
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%	26.48%
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%	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	0.00%	46.93%	50.99%	55.84%	55.74%	65.75%	56.32%	50.47%	64.73%	58.83%	69.18%
Debt to EBITDA	0.00	22.04	9.54	11.99	8.18	5.21	4.33	5.99	3.39	4.47	3.18
Net Debt to EBITDA	0.00	19.33	8.21	9.04	7.04	4.08	3.24	4.56	1.97	1.17	2.34
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	2.73
Debt to NOPAT	0.00	5.67	19.38	12.04	10.12	10.30	6.79	8.54	5.00	6.32	4.34
Net Debt to NOPAT	0.00	4.98	16.69	9.08	8.71	8.07	5.09	6.50	2.90	1.66	3.20
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	3.73
Noncontrolling Interest Sharing Ratio	0.00%	6.65%	4.27%	1.88%	1.49%	1.37%	1.30%	0.65%	0.00%	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	152
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%	3,510.58%
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	0.82
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	0.75
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	0.73
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.04	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.04	0.05
Fixed Asset Turnover	0.00	1.14	1.74	2.29	2.81	3.03	4.16	5.41	6.27	6.40	7.53
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	0.00	761	879	1,147	1,327	1,191	1,467	1,517	1,530	1,855	1,833
Invested Capital Turnover	0.00	0.31	0.21	0.22	0.22	0.22	0.23	0.22	0.25	0.24	0.24
Increase / (Decrease) in Invested Capital	0.00	761	118	268	180	-136	275	51	12	326	-22
Enterprise Value (EV)	0.00	0.00	1,001	950	1,206	876	1,470	1,403	1,324	1,483	1,747
Market Capitalization	0.00	0.00	629	565	699	563	987	831	1,011	1,283	1,331
Book Value per Share	$0.00	$17.68	$15.29	$17.63	$19.38	$19.71	$21.90	$20.43	$22.65	$24.59	$27.67
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	$23.30
Total Capital	0.00	761	879	1,147	1,327	1,157	1,467	1,517	1,530	1,855	1,833
Total Debt	0.00	379	420	496	577	386	630	751	540	764	565
Total Long-Term Debt	0.00	341	389	462	527	344	600	736	488	732	485
Net Debt	0.00	332	362	374	496	302	472	572	313	201	416
Capital Expenditures (CapEx)	2.67	2.23	-2.84	1.14	4.26	3.88	1.94	3.61	3.86	3.37	4.00
Net Nonoperating Expense (NNE)	4.71	0.00	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	565
Total Depreciation and Amortization (D&A)	-26	12	3.27	-6.62	-6.77	22	21	11	14	9.65	4.54
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	$2.90
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	45.59M
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	$2.89
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	45.59M
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	$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	45.59M
Normalized Net Operating Profit after Tax (NOPAT)	-10	5.04	22	41	58	42	103	88	109	121	130
Normalized NOPAT Margin	-10.53%	4.33%	12.62%	18.66%	21.30%	15.25%	33.09%	27.35%	28.26%	29.68%	29.17%
Pre Tax Income Margin	-15.05%	4.71%	23.73%	25.12%	28.43%	18.65%	39.99%	35.54%	37.65%	39.59%	38.82%
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	0.93
NOPAT to Interest Expense	-1.55	8.61	1.56	1.45	1.17	1.54	7.40	2.43	0.72	0.55	0.70
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	0.91
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	0.67
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%	13.97%
Augmented Payout Ratio	0.00%	0.00%	51.98%	1.90%	1.37%	21.78%	44.10%	35.10%	13.52%	13.12%	32.21%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	45,819,227.00	45,590,691.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	45,819,227.00	45,590,691.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.75	0.82
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	29.63%	14.76%	11.17%	9.85%	-2.85%	3.85%	2.05%	11.15%	13.64%	11.78%	9.04%
EBITDA Growth	-18.51%	92.92%	21.04%	10.33%	4.70%	-2.60%	-9.74%	-6.08%	61.69%	-10.54%	39.01%
EBIT Growth	24.98%	35.71%	25.82%	13.51%	4.99%	0.99%	-7.62%	-2.96%	24.68%	16.28%	32.57%
NOPAT Growth	24.57%	30.39%	27.12%	13.65%	7.46%	2.42%	-7.20%	1.39%	22.66%	13.86%	33.03%
Net Income Growth	24.57%	30.39%	27.12%	13.65%	7.46%	2.42%	-7.20%	1.39%	22.66%	13.86%	33.03%
EPS Growth	6.56%	11.48%	9.38%	-2.86%	6.15%	0.00%	-8.57%	-2.94%	18.84%	13.24%	29.69%
Operating Cash Flow Growth	139.96%	-114.31%	26.87%	-7.36%	-74.81%	1,164.94%	-56.59%	-59.48%	93.74%	10.89%	96.22%
Free Cash Flow Firm Growth	-1,385.32%	161.36%	18.02%	-477.96%	120.19%	-1,817.50%	117.68%	166.14%	-146.32%	119.26%	-179.06%
Invested Capital Growth	17.52%	0.82%	19.44%	39.74%	-0.98%	21.28%	-1.08%	-16.44%	3.37%	-1.20%	4.10%
Revenue Q/Q Growth	15.89%	-3.85%	0.22%	-1.63%	2.49%	2.78%	-1.52%	7.15%	4.78%	1.10%	-3.93%
EBITDA Q/Q Growth	-21.85%	81.95%	-21.58%	-1.07%	-25.84%	69.28%	-27.33%	2.95%	27.67%	-6.34%	5.38%
EBIT Q/Q Growth	7.91%	4.81%	1.48%	-1.10%	-0.19%	0.81%	-7.16%	3.89%	28.23%	-5.98%	5.84%
NOPAT Q/Q Growth	8.10%	4.90%	2.82%	-2.53%	2.21%	-0.03%	-6.83%	6.49%	23.66%	-7.20%	8.86%
Net Income Q/Q Growth	8.10%	4.90%	2.82%	-2.53%	2.21%	-0.03%	-6.83%	6.49%	23.66%	-7.20%	8.86%
EPS Q/Q Growth	-7.14%	4.62%	2.94%	-2.86%	1.47%	-1.45%	-5.88%	3.13%	24.24%	-6.10%	7.79%
Operating Cash Flow Q/Q Growth	81.29%	-106.32%	1,355.26%	-35.60%	-50.70%	167.19%	-48.83%	-39.88%	135.73%	52.94%	-6.98%
Free Cash Flow Firm Q/Q Growth	-257.93%	107.26%	-1,697.66%	-106.29%	108.44%	-717.80%	116.44%	671.89%	-105.91%	356.94%	-167.48%
Invested Capital Q/Q Growth	18.47%	-13.94%	22.56%	11.82%	-16.05%	5.42%	-0.04%	-5.53%	3.85%	0.75%	5.32%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	28.78%	54.47%	42.62%	42.87%	31.02%	51.09%	37.70%	36.22%	44.14%	40.89%	44.85%
EBIT Margin	36.38%	39.66%	40.15%	40.37%	39.31%	38.56%	36.35%	35.24%	43.13%	40.11%	44.19%
Profit (Net Income) Margin	26.92%	29.37%	30.13%	29.86%	29.78%	28.97%	27.40%	27.24%	32.14%	29.50%	33.43%
Tax Burden Percent	74.01%	74.07%	75.05%	73.96%	75.75%	75.12%	75.38%	77.28%	74.52%	73.55%	75.65%
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	25.99%	25.93%	24.95%	26.04%	24.25%	24.88%	24.62%	22.72%	25.48%	26.45%	24.35%
Return on Invested Capital (ROIC)	6.12%	7.46%	6.95%	6.74%	6.79%	6.96%	6.01%	5.95%	7.79%	7.14%	8.05%
ROIC Less NNEP Spread (ROIC-NNEP)	6.12%	7.46%	6.95%	6.74%	6.79%	6.96%	6.01%	5.95%	7.79%	7.14%	8.05%
Return on Net Nonoperating Assets (RNNOA)	5.95%	5.48%	6.31%	6.39%	5.12%	4.36%	4.46%	4.34%	4.16%	4.02%	4.58%
Return on Equity (ROE)	12.08%	12.94%	13.26%	13.13%	11.90%	11.32%	10.47%	10.28%	11.95%	11.16%	12.63%
Cash Return on Invested Capital (CROIC)	-9.97%	6.27%	-11.07%	-26.59%	7.77%	-12.10%	7.45%	24.09%	3.72%	8.26%	3.35%
Operating Return on Assets (OROA)	1.68%	1.89%	1.88%	1.90%	1.73%	1.71%	1.57%	1.53%	1.95%	1.87%	2.07%
Return on Assets (ROA)	1.24%	1.40%	1.41%	1.41%	1.31%	1.28%	1.18%	1.18%	1.45%	1.38%	1.56%
Return on Common Equity (ROCE)	12.08%	12.94%	13.28%	13.14%	11.90%	11.32%	10.47%	10.29%	11.95%	11.16%	12.63%
Return on Equity Simple (ROE_SIMPLE)	10.98%	0.00%	11.33%	11.42%	10.95%	0.00%	10.48%	9.98%	10.17%	0.00%	10.89%
Net Operating Profit after Tax (NOPAT)	28	30	30	30	30	30	28	30	37	35	38
NOPAT Margin	26.92%	29.37%	30.13%	29.86%	29.78%	28.97%	27.40%	27.24%	32.14%	29.50%	33.43%
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	44.60%	40.98%	42.95%	42.86%	42.77%	44.10%	44.89%	43.04%	40.55%	40.46%	40.58%
Operating Expenses to Revenue	55.22%	53.17%	53.27%	53.55%	53.35%	54.87%	54.74%	53.96%	52.29%	51.60%	50.88%
Earnings before Interest and Taxes (EBIT)	38	40	41	40	40	40	37	39	50	47	50
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	30	55	43	43	32	53	39	40	51	48	50
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.92	1.02	0.94	1.01	1.08	1.18	1.03	1.03	1.02	1.05	1.12
Price to Tangible Book Value (P/TBV)	1.19	1.29	1.18	1.25	1.32	1.44	1.25	1.24	1.22	1.25	1.33
Price to Revenue (P/Rev)	2.27	2.61	2.39	2.57	2.94	3.15	2.86	2.93	2.92	2.98	3.16
Price to Earnings (P/E)	8.39	9.37	8.31	8.85	9.87	10.62	9.86	10.33	10.07	10.23	10.33
Dividend Yield	1.86%	1.56%	1.68%	1.52%	1.34%	1.25%	1.41%	1.43%	1.41%	1.38%	1.33%
Earnings Yield	11.92%	10.67%	12.04%	11.30%	10.13%	9.41%	10.14%	9.68%	9.93%	9.77%	9.68%
Enterprise Value to Invested Capital (EV/IC)	0.72	0.87	0.63	0.66	0.79	0.80	0.79	0.90	0.87	0.95	0.98
Enterprise Value to Revenue (EV/Rev)	3.41	3.42	2.97	3.39	3.46	3.65	3.60	3.74	3.66	3.91	4.15
Enterprise Value to EBITDA (EV/EBITDA)	9.29	8.32	7.07	8.06	8.11	8.69	8.83	9.58	8.67	9.82	9.85
Enterprise Value to EBIT (EV/EBIT)	9.44	9.09	7.66	8.67	8.69	9.21	9.31	10.01	9.54	10.08	10.20
Enterprise Value to NOPAT (EV/NOPAT)	12.64	12.28	10.31	11.67	11.63	12.28	12.41	13.19	12.63	13.43	13.57
Enterprise Value to Operating Cash Flow (EV/OCF)	6.20	7.98	6.58	7.82	11.90	8.47	10.52	13.53	11.81	12.45	11.32
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	13.87	0.00	0.00	10.15	0.00	10.59	3.39	23.90	11.46	29.81
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.93	0.54	0.86	1.03	0.61	0.70	0.64	0.47	0.47	0.45	0.51
Long-Term Debt to Equity	0.16	0.49	0.14	1.03	0.13	0.67	0.13	0.12	0.18	0.38	0.11
Financial Leverage	0.97	0.74	0.91	0.95	0.75	0.63	0.74	0.73	0.53	0.56	0.57
Leverage Ratio	9.73	9.25	9.39	9.32	9.11	8.83	8.88	8.70	8.24	8.12	8.08
Compound Leverage Factor	9.73	9.25	9.39	9.32	9.11	8.83	8.88	8.70	8.24	8.12	8.08
Debt to Total Capital	48.24%	35.27%	46.18%	50.72%	37.71%	41.17%	39.01%	31.93%	31.97%	30.82%	33.68%
Short-Term Debt to Total Capital	40.13%	3.39%	38.47%	0.00%	29.48%	1.73%	31.18%	23.64%	19.86%	4.34%	26.14%
Long-Term Debt to Total Capital	8.11%	31.88%	7.71%	50.72%	8.23%	39.43%	7.82%	8.29%	12.11%	26.48%	7.54%
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	51.76%	64.73%	53.82%	49.36%	62.29%	58.83%	60.99%	68.07%	68.03%	69.18%	66.32%
Debt to EBITDA	6.24	3.39	5.19	6.23	3.85	4.47	4.34	3.41	3.17	3.18	3.39
Net Debt to EBITDA	3.12	1.97	1.37	1.95	1.23	1.17	1.81	2.08	1.76	2.34	2.35
Long-Term Debt to EBITDA	1.05	3.06	0.87	6.23	0.84	4.29	0.87	0.89	1.20	2.73	0.76
Debt to NOPAT	8.49	5.00	7.57	9.02	5.53	6.32	6.10	4.70	4.62	4.34	4.66
Net Debt to NOPAT	4.24	2.90	2.00	2.82	1.76	1.66	2.55	2.87	2.56	3.20	3.24
Long-Term Debt to NOPAT	1.43	4.52	1.26	9.02	1.21	6.06	1.22	1.22	1.75	3.73	1.04
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	-0.11%	-0.10%	0.00%	0.00%	0.00%	-0.08%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-237	17	-275	-567	48	-295	49	375	-22	57	-38
Operating Cash Flow to CapEx	5,965.22%	-494.13%	41,836.24%	5,507.00%	3,049.77%	2,871.06%	1,344.88%	1,495.13%	10,064.57%	11,365.50%	11,910.92%
Free Cash Flow to Firm to Interest Expense	-5.36	0.35	-5.20	-10.29	0.81	-5.78	1.04	7.72	-0.45	1.32	-0.92
Operating Cash Flow to Interest Expense	1.78	-0.10	1.18	0.73	0.34	1.04	0.58	0.34	0.79	1.37	1.31
Operating Cash Flow Less CapEx to Interest Expense	1.75	-0.12	1.18	0.72	0.32	1.00	0.54	0.31	0.78	1.35	1.29
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.05
Fixed Asset Turnover	5.93	6.27	6.59	6.75	6.19	6.40	6.59	6.80	7.12	7.53	7.80
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	1,777	1,530	1,875	2,096	1,760	1,855	1,854	1,752	1,819	1,833	1,930
Invested Capital Turnover	0.23	0.25	0.23	0.23	0.23	0.24	0.22	0.22	0.24	0.24	0.24
Increase / (Decrease) in Invested Capital	265	12	305	596	-17	326	-20	-345	59	-22	76
Enterprise Value (EV)	1,276	1,324	1,179	1,377	1,396	1,483	1,471	1,570	1,590	1,747	1,891
Market Capitalization	847	1,011	950	1,044	1,185	1,283	1,169	1,229	1,267	1,331	1,439
Book Value per Share	$21.05	$22.65	$22.74	$23.45	$24.77	$24.59	$25.31	$25.84	$26.99	$27.67	$28.08
Tangible Book Value per Share	$16.36	$17.99	$18.18	$18.90	$20.26	$20.13	$20.90	$21.43	$22.58	$23.30	$23.71
Total Capital	1,777	1,530	1,875	2,096	1,760	1,855	1,854	1,752	1,819	1,833	1,930
Total Debt	857	540	866	1,063	664	764	723	559	582	565	650
Total Long-Term Debt	144	488	144	1,063	145	732	145	145	220	485	146
Net Debt	429	313	229	333	211	201	302	341	323	416	452
Capital Expenditures (CapEx)	1.32	1.01	0.15	0.73	0.65	1.84	2.01	1.09	0.38	0.52	0.46
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)	857	540	866	1,063	664	764	723	559	582	565	650
Total Depreciation and Amortization (D&A)	-7.96	15	2.50	2.48	-8.45	13	1.39	1.08	1.16	0.91	0.74
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.66	$0.68	$0.70	$0.68	$0.70	$0.70	$0.65	$0.66	$0.82	$0.77	$0.84
Adjusted Weighted Average Basic Shares Outstanding	43.72M	44.38M	44.12M	44.26M	44.39M	44.68M	46.15M	45.86M	45.82M	45.59M	45.41M
Adjusted Diluted Earnings per Share	$0.65	$0.68	$0.70	$0.68	$0.69	$0.68	$0.64	$0.66	$0.82	$0.77	$0.83
Adjusted Weighted Average Diluted Shares Outstanding	43.72M	44.38M	44.12M	44.26M	44.39M	44.68M	46.15M	45.86M	45.82M	45.59M	45.41M
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	43.72M	44.38M	44.12M	44.26M	44.39M	44.68M	46.15M	45.86M	45.82M	45.59M	45.41M
Normalized Net Operating Profit after Tax (NOPAT)	28	31	30	30	30	30	28	30	37	35	38
Normalized NOPAT Margin	26.92%	30.83%	30.13%	29.86%	29.78%	28.97%	27.40%	27.24%	32.14%	29.63%	33.43%
Pre Tax Income Margin	36.38%	39.66%	40.15%	40.37%	39.31%	38.56%	36.35%	35.24%	43.13%	40.11%	44.19%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.86	0.81	0.77	0.73	0.68	0.79	0.80	0.80	1.02	1.09	1.19
NOPAT to Interest Expense	0.64	0.60	0.58	0.54	0.51	0.59	0.61	0.62	0.76	0.80	0.90
EBIT Less CapEx to Interest Expense	0.83	0.79	0.77	0.72	0.67	0.75	0.76	0.78	1.02	1.08	1.18
NOPAT Less CapEx to Interest Expense	0.61	0.58	0.57	0.53	0.50	0.56	0.56	0.60	0.76	0.79	0.89
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	13.89%	13.52%	13.25%	13.51%	13.16%	13.12%	13.77%	14.28%	13.97%	13.97%	13.74%
Augmented Payout Ratio	13.89%	13.52%	13.25%	13.51%	13.16%	13.12%	14.35%	25.86%	25.08%	32.21%	37.31%

Financials Breakdown Chart

Key Financial Trends

BYLINE BANCORP, INC. (BY) — Here are the notable trends from BY’s quarterly statements (Q1 2025 through Q4 2025) and longer-run data (2022–2025). The company shows rising net interest income and revenue, solid cash flow generation, and loan growth, with some liquidity and credit-cost fluctuations.

Net interest income rose to about $101.3 million in Q4 2025, up from roughly $88.2 million in Q1 2025, signaling stronger core lending profitability.
Total revenue climbed to about $117.0 million in Q4 2025, versus about $103.1 million in Q1 2025, reflecting ongoing earnings strength.
Net cash from continuing operating activities was about $58.6 million in Q4 2025, confirming robust cash generation.
Loans and Leases, net of allowance grew to about $7.34 billion by Q3 2025, indicating loan book expansion.
Total assets rose to about $9.81 billion by Q3 2025, signaling balance sheet growth.
Total common equity stood around $1.24 billion in Q3 2025, reflecting a solid capital base.
Non-interest income remained a stable contributor, averaging around $15–16 million per quarter in 2025 (eg, $15.714 million in Q4 2025, $15.864 million in Q3 2025).
Provision for credit losses fluctuated across 2025, ranging roughly from $5.3 million to $11.9 million per quarter, with no clear trend yet.
Net change in deposits swung negative in Q4 2025, with deposits decreasing by about $180.8 million, which could pressure liquidity if sustained.
Financing activities in Q4 2025 produced a sizable cash outflow of about $211.1 million due to debt repayments and related financing actions.

05/06/26 08:26 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Byline Bancorp's Financials

When does Byline Bancorp's financial year end?

According to the most recent income statement we have on file, Byline Bancorp's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

How has Byline Bancorp's net income changed over the last 10 years?

Byline Bancorp's net income appears to be on an upward trend, with a most recent value of $130.05 million in 2025, falling from -$14.97 million in 2015. The previous period was $120.76 million in 2024. Check out Byline Bancorp's forecast to explore projected trends and price targets.

How has Byline Bancorp's revenue changed over the last 10 years?

Over the last 10 years, Byline Bancorp's total revenue changed from $97.47 million in 2015 to $446.27 million in 2025, a change of 357.9%.

How much debt does Byline Bancorp have?

Byline Bancorp's total liabilities were at $8.38 billion at the end of 2025, a 0.2% decrease from 2024, and a 187.8% increase since 2016.

How much cash does Byline Bancorp have?

In the past 9 years, Byline Bancorp's cash and equivalents has ranged from $17.74 million in 2016 to $62.27 million in 2022, and is currently $60.18 million as of their latest financial filing in 2025.

How has Byline Bancorp's book value per share changed over the last 10 years?

Over the last 10 years, Byline Bancorp's book value per share changed from 0.00 in 2015 to 27.67 in 2025, a change of 2,767.2%.

Related Companies

Financial statements for NYSE:BY last updated on 5/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Byline Bancorp (BY) Financials

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Byline Bancorp (BY) Financials

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