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 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $49.67M | - | $49.92M | $38.93M | $37.47M | - | $40.04M | $40.12M | $40.56M | - |
| Interest Expense | - | - | - | - | - | - | - | $55.04M | $52.78M | - |
| Income Tax | $12.10M | - | $12.72M | $8.85M | $9.22M | - | $9.71M | $10.44M | $10.12M | - |
| Net Income | $37.58M | - | $37.20M | $30.08M | $28.25M | - | $30.33M | $29.67M | $30.44M | - |
| EPS - Basic | $0.84 | - | $0.82 | $0.66 | $0.65 | - | $0.70 | $0.68 | $0.70 | - |
| EPS - Diluted | $0.83 | - | $0.82 | $0.66 | $0.64 | - | $0.69 | $0.68 | $0.70 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $198.37M | $149.09M | $259.02M | $218.35M | $421.31M | $563.14M | $452.60M | $730.46M | $636.84M | $226.14M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $9.91B | $9.65B | $9.81B | $9.72B | $9.58B | $9.50B | $9.42B | $9.63B | $9.41B | $8.88B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $8.63B | $8.38B | $8.57B | $8.53B | $8.45B | $8.41B | $8.33B | $8.60B | $8.40B | $7.89B |
| Stockholders' Equity | $1.28B | $1.27B | $1.24B | $1.19B | $1.13B | $1.09B | $1.10B | $1.03B | $1.01B | $990.15M |
| Retained Earnings | $677.85M | $645.72M | $615.78M | $583.17M | $557.70M | $533.90M | $507.58M | $481.23M | $455.53M | $429.04M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $54.55M | - | - | - | $27.06M | - | - | - | $62.34M | - |
| Investing Cash Flow | ($229.51M) | - | - | - | ($217.96M) | - | - | - | ($146.65M) | - |
| Financing Cash Flow | $224.23M | - | - | - | $49.08M | - | - | - | $495.02M | - |
| CapEx | $458.0K | - | - | - | $2.01M | - | - | - | $512.0K | - |
| Free Cash Flow | $54.09M | - | - | - | $25.05M | - | - | - | $61.82M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.44 | - | - | - | 0.89 | - | - | - | 2.03 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 24.4% | - | 25.5% | 22.7% | 24.6% | - | 24.3% | 26.0% | 25.0% | - |
| Return on assets | 0.4% | - | 0.4% | 0.3% | 0.3% | - | 0.3% | 0.3% | 0.3% | - |
| Return on equity | 2.9% | - | 3.0% | 2.5% | 2.5% | - | 2.8% | 2.9% | 3.0% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.7x | 0.8x | - |
| Equity multiplier | 7.74 | 7.61 | 7.93 | 8.15 | 8.47 | 8.70 | 8.60 | 9.33 | 9.33 | 8.97 |
| Liabilities / Assets | 0.87 | 0.87 | 0.87 | 0.88 | 0.88 | 0.89 | 0.88 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 38.0x | - | 33.8x | 40.5x | 40.9x | - | 38.8x | 34.9x | 31.0x | - |
| P / B | 1.1x | - | 1.0x | 1.0x | 1.0x | - | 1.1x | 1.0x | 0.9x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 32.6% | - | 24.7% | -3.0% | -7.6% | - | 5.0% | 13.5% | 25.8% | - |
| Net income growth (YoY) | 33.0% | - | 22.7% | 1.4% | -7.2% | - | 7.5% | 13.7% | 34.4% | - |
| EPS growth (YoY) | 29.7% | - | 18.8% | -2.9% | -8.6% | - | 6.2% | -2.9% | 9.4% | - |
| EPS CAGR (3y) | 9.1% | - | 10.4% | 6.9% | 3.3% | - | 1.5% | -2.3% | 7.7% | - |
| EPS CAGR (5y) | 8.2% | - | 19.3% | 22.4% | 55.7% | - | 12.1% | 14.9% | 15.5% | - |
| FCF growth (YoY) | 116.0% | - | - | - | -59.5% | - | - | - | 26.5% | - |
| FCF CAGR (5y) | 30.1% | - | - | - | 1.0% | - | - | - | 36.8% | - |
| Book value growth (YoY) | 13.2% | 16.2% | 12.9% | 15.4% | 12.1% | 10.2% | 19.2% | 26.9% | 26.8% | 29.3% |
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 |