BY · Byline Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - |
| Operating Income | $173.25M | $161.08M | $145.68M | $114.68M | $124.21M | $51.67M |
| Interest Expense | - | - | $148.86M | $36.23M | $12.54M | $24.25M |
| Income Tax | $43.20M | $40.32M | $37.80M | $26.73M | $31.43M | $14.20M |
| Net Income | $130.05M | $120.76M | $107.88M | $87.95M | $92.78M | $37.47M |
| EPS - Basic | $2.90 | $2.78 | $2.69 | $2.37 | $2.45 | $0.96 |
| EPS - Diluted | $2.89 | $2.75 | $2.67 | $2.34 | $2.40 | $0.96 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $149.09M | $563.14M | $226.14M | $179.35M | $157.93M | $83.42M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $9.65B | $9.50B | $8.88B | $7.36B | $6.70B | $6.39B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $8.38B | $8.41B | $7.89B | $6.60B | $5.86B | $5.59B |
| Stockholders' Equity | $1.27B | $1.09B | $990.15M | $765.82M | $836.38M | $805.46M |
| Retained Earnings | $645.72M | $533.90M | $429.04M | $335.79M | $271.68M | $191.10M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $140.32M | $175.16M | $166.07M | $220.33M | $74.43M | $109.02M |
| Investing Cash Flow | ($223.59M) | ($330.92M) | ($336.24M) | ($819.86M) | ($236.05M) | ($886.36M) |
| Financing Cash Flow | ($330.77M) | $492.76M | $216.96M | $620.95M | $236.13M | $780.01M |
| CapEx | $4.00M | $3.99M | $3.86M | $3.63M | $2.24M | $3.92M |
| Free Cash Flow | $136.32M | $171.17M | $162.21M | $216.70M | $72.19M | $105.11M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 1.05 | 1.42 | 1.50 | 2.46 | 0.78 | 2.81 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 24.9% | 25.0% | 25.9% | 23.3% | 25.3% | 27.5% |
| Return on assets | 1.3% | 1.3% | 1.2% | 1.2% | 1.4% | 0.6% |
| Return on equity | 10.3% | 11.1% | 10.9% | 11.5% | 11.1% | 4.7% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 1.0x | 3.2x | 9.9x | 2.1x |
| Equity multiplier | 7.61 | 8.70 | 8.97 | 9.61 | 8.01 | 7.93 |
| Liabilities / Assets | 0.87 | 0.89 | 0.89 | 0.90 | 0.88 | 0.87 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 10.1x | 10.5x | 8.8x | 9.8x | 11.4x | 16.1x |
| P / B | 1.0x | 1.2x | 1.0x | 1.1x | 1.3x | 0.7x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 7.6% | 10.6% | 27.0% | -7.7% | 140.4% | -33.2% |
| Net income growth (YoY) | 7.7% | 11.9% | 22.7% | -5.2% | 147.6% | -34.3% |
| EPS growth (YoY) | 5.1% | 3.0% | 14.1% | -2.5% | 150.0% | -35.1% |
| EPS CAGR (3y) | 7.3% | 4.6% | 40.6% | 16.5% | 26.7% | -33.5% |
| EPS CAGR (5y) | 24.7% | 13.2% | 17.7% | -6.5% | - | - |
| FCF growth (YoY) | -20.4% | 5.5% | -25.1% | 200.2% | -31.3% | 319.6% |
| FCF CAGR (5y) | 5.3% | 46.9% | 150.1% | - | - | - |
| Book value growth (YoY) | 16.2% | 10.2% | 29.3% | -8.4% | 3.8% | 7.4% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: State Commercial Banks
Comparing BYLINE BANCORP against the 5 most active filers in the same SIC group.
Dividends
$0.44/share trailing 12 months · +15.8% YoY
| Ex-date | Per share |
|---|---|
| May 5, 2026 | $0.1200 |
| Feb 3, 2026 | $0.1200 |
| Nov 4, 2025 | $0.1000 |
| Aug 5, 2025 | $0.1000 |
| May 6, 2025 | $0.1000 |
| Feb 4, 2025 | $0.1000 |
| Nov 5, 2024 | $0.0900 |
| Aug 6, 2024 | $0.0900 |
| May 6, 2024 | $0.0900 |
| Feb 5, 2024 | $0.0900 |
| Nov 6, 2023 | $0.0900 |
| Aug 7, 2023 | $0.0900 |
| May 8, 2023 | $0.0900 |
| Feb 6, 2023 | $0.0900 |
| Nov 7, 2022 | $0.0900 |
| Aug 8, 2022 | $0.0900 |
| May 6, 2022 | $0.0900 |
| Feb 7, 2022 | $0.0900 |
| Nov 8, 2021 | $0.0900 |
| Aug 9, 2021 | $0.0900 |
| May 10, 2021 | $0.0600 |
| Feb 8, 2021 | $0.0600 |
| Dec 21, 2020 | $0.0300 |
| Sep 21, 2020 | $0.0300 |