NYSE : BY
Byline Bancorp, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 38.96 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 1.74B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 511.84M | 511.22M | 502.35M | 440.98M | 273.41M | 222.99M |
| Interest Income on Investments | 65.94M | 61.00M | 63.58M | 38.49M | 28.15M | 25.93M |
| Total Interest Income | 577.77M | 572.22M | 565.93M | 479.48M | 301.56M | 248.93M |
| Interest Paid on Deposits | 151.34M | 167.72M | 192.37M | 121.44M | 19.80M | 4.50M |
| Interest Paid on Borrowings | 20.79M | 19.15M | 25.52M | 27.42M | 16.43M | 8.04M |
| Total Interest Expense | 172.12M | 186.87M | 217.88M | 148.86M | 36.23M | 12.54M |
| Net Interest Income | 405.65M | 385.35M | 348.05M | 330.62M | 265.33M | 236.39M |
| Trust Income | 5.25M | 4.85M | 4.31M | 4.16M | 3.81M | 3.07M |
| Gain (Loss) on Sale of Assets | -691.00K | -195.00K | -2.00M | -372.00K | -12.33M | |
| Gain (Loss) on Sale of Investments | 169.00K | 774.00K | 423.00K | 1.07M | -553.00K | 1.37M |
| Other Non-Interest Income | 22.81M | 21.71M | 19.36M | 19.07M | 14.01M | 16.28M |
| Total Non-Interest Income | 61.79M | 60.73M | 58.85M | 54.31M | 56.94M | 61.92M |
| Revenues Before Loan Losses | 467.44M | 446.08M | 406.90M | 384.94M | 322.27M | 298.31M |
| Provision for Loan Losses | 29.15M | 36.10M | 27.04M | 31.65M | 23.88M | 973.00K |
| Revenue | 438.29M | 409.98M | 379.86M | 353.28M | 298.39M | 297.33M |
| Salaries and Employee Benefits | 133.00M | 137.32M | 131.84M | 117.38M | 112.55M | 96.80M |
| Occupancy Expenses | 9.92M | 10.21M | 10.35M | 9.81M | 9.21M | 11.77M |
| Federal Deposit Insurance | 4.25M | 4.25M | 4.18M | 4.14M | 2.95M | 1.72M |
| Amortization of Goodwill & Intangibles | 5.20M | 5.61M | 5.38M | 6.01M | 6.67M | 7.07M |
| Selling, General & Administrative | 56.01M | 59.63M | 52.79M | 53.50M | 40.74M | 38.20M |
| Other Non-Interest Expense | 16.05M | 14.13M | 12.42M | 12.80M | 10.88M | 12.39M |
| Total Non-Interest Expense | 225.99M | 232.30M | 217.51M | 204.02M | 183.71M | 169.02M |
| EBT Excluding Unusual Items | 212.30M | 177.67M | 162.34M | 149.26M | 114.68M | 128.31M |
| Asset Writedown | -1.07M | -395.00K | -4.10M | |||
| Other Unusual Items | -843.00K | |||||
| Pretax Income | 205.14M | 173.25M | 161.08M | 145.68M | 114.68M | 124.21M |
| Income Tax Expense | 51.07M | 43.20M | 40.32M | 37.80M | 26.73M | 31.43M |
| Net Income | 154.07M | 130.05M | 120.76M | 107.88M | 87.95M | 92.78M |
| Preferred Dividends & Other Adjustments | 196.00K | 783.00K | ||||
| Net Income to Common | 154.07M | 130.05M | 120.76M | 107.88M | 87.76M | 92.00M |
| Basic Shares Outstanding | 44.65M | 44.80M | 43.45M | 40.05M | 36.97M | 37.61M |
| Diluted Shares Outstanding | 44.92M | 45.06M | 43.85M | 40.45M | 37.48M | 38.37M |
| EPS (Basic) | 3.45 | 2.90 | 2.78 | 2.69 | 2.37 | 2.45 |
| EPS (Diluted) | 3.44 | 2.89 | 2.75 | 2.67 | 2.34 | 2.40 |
| Dividend Per Share | 0.48 | 0.40 | 0.36 | 0.36 | 0.36 | 0.30 |
| Effective Tax Rate | 24.90% | 24.94% | 25.03% | 25.95% | 23.31% | 25.30% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 218.68M | 149.09M | 563.14M | 226.14M | 179.35M | 157.93M |
| Investment Securities | 1.64B | 245.71M | 310.54M | 409.11M | 326.05M | 366.56M |
| Trading Asset Securities | 27.53M | 44.40M | 56.92M | 65.34M | 13.38M | |
| Mortgage-Backed Securities | 1.17B | 1.12B | 943.27M | 859.08M | 1.10B | |
| Total Investments | 1.64B | 1.44B | 1.47B | 1.41B | 1.25B | 1.48B |
| Gross Loans | 7.46B | 7.60B | 6.99B | 6.76B | 5.47B | 4.56B |
| Allowance for Loan Losses | -113.04M | -108.83M | -97.99M | -101.69M | -81.92M | -55.01M |
| Other Adjustments to Gross Loans | -89.21M | -86.84M | -76.95M | -45.44M | -26.77M | |
| Net Loans | 7.35B | 7.40B | 6.81B | 6.58B | 5.34B | 4.48B |
| Property, Plant & Equipment | 55.73M | 67.02M | 70.30M | 79.10M | 68.15M | 74.19M |
| Goodwill | 181.85M | 181.71M | 181.71M | 148.35M | 148.35M | |
| Other Intangible Assets | 196.81M | 18.67M | 16.39M | 21.77M | 10.53M | 17.20M |
| Loans Held for Sale | 28.88M | 13.62M | 3.20M | 18.00M | 47.82M | 64.46M |
| Accrued Interest Receivable | 209.92M | 39.82M | 40.65M | 43.92M | 29.82M | 18.88M |
| Other Receivables | 32.30M | 38.87M | 35.28M | 11.57M | 12.35M | |
| Other Current Assets | 1.83M | 2.02M | 4.48M | 8.67M | 9.15M | |
| Long-Term Deferred Tax Assets | 57.12M | 41.78M | 56.46M | 50.06M | 68.21M | 50.33M |
| Other Real Estate Owned & Foreclosed | 2.78M | 3.39M | 5.17M | 1.20M | 4.72M | 2.11M |
| Other Long-Term Assets | 138.45M | 259.47M | 239.22M | 228.38M | 195.94M | 176.72M |
| Total Assets | 9.90B | 9.65B | 9.50B | 8.88B | 7.36B | 6.70B |
| Accrued Expenses | 165.79M | 133.90M | 130.46M | 115.83M | 109.67M | 47.64M |
| Interest Bearing Deposits | 5.68B | 5.41B | 5.27B | 4.91B | 3.40B | 2.85B |
| Institutional Deposits | 488.97M | 421.47M | 434.61M | 364.87M | 160.68M | 147.12M |
| Non-Interest Bearing Deposits | 1.87B | 1.82B | 1.76B | 1.91B | 2.14B | 2.16B |
| Total Deposits | 8.04B | 7.65B | 7.46B | 7.18B | 5.70B | 5.16B |
| Short-Term Borrowings | 93.24M | 49.89M | 71.20M | 33.22M | 39.39M | |
| Current Portion of Long-Term Debt | 340.00M | 575.00M | 325.00M | 625.00M | 490.00M | |
| Current Portion of Leases | 3.16M | |||||
| Accrued Interest Payable | 11.78M | 21.11M | 22.23M | 4.49M | 262.00K | |
| Long-Term Debt | 346.62M | 73.94M | 85.71M | 92.20M | 73.69M | 73.52M |
| Long-Term Leases | 6.69M | 10.95M | 14.27M | 14.39M | 15.63M | |
| Trust Preferred Securities | 72.02M | 71.41M | 70.89M | 70.45M | 37.34M | 36.91M |
| Other Long-Term Liabilities | 3.21M | 2.39M | 3.64M | 4.20M | 1.40M | |
| Total Liabilities | 8.62B | 8.38B | 8.41B | 7.89B | 6.60B | 5.86B |
| Preferred Stock, Redeemable | 10.44M | |||||
| Common Stock | 471.00K | 471.00K | 455.00K | 451.00K | 389.00K | 387.00K |
| Additional Paid-In Capital | 758.54M | 760.70M | 717.76M | 710.49M | 598.30M | 593.75M |
| Retained Earnings | 748.05M | 645.72M | 533.90M | 429.04M | 335.79M | 271.68M |
| Treasury Stock | -98.87M | -65.91M | -46.94M | -49.71M | -51.11M | -31.57M |
| Comprehensive Income & Other | -132.94M | -73.08M | -113.69M | -100.12M | -117.55M | -8.30M |
| Total Common Equity | 1.28B | 1.27B | 1.09B | 990.15M | 765.82M | 825.94M |
| Shareholders' Equity | 1.28B | 1.27B | 1.09B | 990.15M | 765.82M | 836.38M |
| Total Liabilities & Equity | 9.90B | 9.65B | 9.50B | 8.88B | 7.36B | 6.70B |
| Total Debt | 418.64M | 588.44M | 792.44M | 573.12M | 783.64M | 655.44M |
| Net Cash (Debt) | -199.97M | -411.81M | -184.90M | -290.06M | -538.94M | -484.13M |
| Net Cash Per Share | -4.45 | -9.14 | -4.22 | -7.17 | -14.38 | -12.62 |
| Filing Date Shares Outstanding | 44.67M | 45.59M | 44.68M | 44.38M | 37.72M | 37.83M |
| Total Common Shares Outstanding | 44.67M | 45.55M | 44.46M | 43.76M | 37.49M | 37.71M |
| Book Value Per Share | 28.55 | 27.84 | 24.55 | 22.62 | 20.43 | 21.90 |
| Tangible Book Value | 1.08B | 1.07B | 893.40M | 786.67M | 606.93M | 660.39M |
| Tangible Book Value Per Share | 24.14 | 23.44 | 20.09 | 17.98 | 16.19 | 17.51 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 130.05M | 120.76M | 107.88M | 87.95M | 92.78M | |
| Depreciation & Amortization | 10.16M | 10.41M | 10.54M | 10.96M | 12.99M | |
| Other Amortization | 679.00K | 612.00K | 628.00K | 606.00K | 630.00K | |
| Gain (Loss) on Sale of Assets | 583.00K | -1.29M | 1.78M | 916.00K | 12.54M | |
| Gain (Loss) on Sale of Investments | -6.67M | -2.48M | -177.00K | 4.83M | 6.94M | |
| Total Asset Writedown | 1.07M | 395.00K | 4.10M | |||
| Provision for Credit Losses | 36.10M | 27.04M | 31.65M | 23.88M | 973.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -37.72M | -10.03M | 29.02M | 57.40M | 41.02M | |
| Accrued Interest Receivable | 2.94M | 20.34M | -1.06M | -74.59M | -30.44M | |
| Other Operating Activities | -6.07M | -17.23M | 8.81M | 23.53M | -9.69M | |
| Operating Cash Flow | 140.32M | 175.16M | 166.07M | 220.33M | 74.43M | |
| Capital Expenditures | -4.00M | -3.99M | -3.86M | -3.63M | -2.24M | |
| Sale of Property, Plant and Equipment | 2.15M | 6.67M | 2.54M | 3.31M | 9.34M | |
| Cash Acquisitions | 61.83M | 7.83M | ||||
| Investment in Securities | 174.89M | -77.46M | 92.22M | 86.51M | 36.42M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -468.00M | -246.19M | -453.51M | -900.33M | -203.81M | |
| Other Investing Activities | 7.87M | -11.15M | 14.96M | -6.20M | -80.04M | |
| Investing Cash Flow | -223.59M | -330.92M | -336.24M | -819.86M | -236.05M | |
| Short-Term Debt Issued | 7.46B | 2.98B | 17.73B | 22.27B | 13.34B | |
| Long-Term Debt Issued | 73.90M | 20.00M | 196.68M | |||
| Total Debt Issued | 7.53B | 2.98B | 17.75B | 22.27B | 13.53B | |
| Short-Term Debt Repaid | -7.64B | -2.74B | -18.04B | -22.15B | -13.09B | |
| Long-Term Debt Repaid | -86.67M | -6.67M | -1.67M | -568.59M | ||
| Total Debt Repaid | -7.73B | -2.75B | -18.04B | -22.15B | -13.66B | |
| Net Debt Issued (Repaid) | -200.28M | 223.58M | -285.66M | 120.68M | -128.18M | |
| Issuance of Common Stock | 1.90M | 4.52M | 1.79M | 1.51M | 2.14M | |
| Repurchase of Common Stock | -23.73M | -17.27M | -28.87M | |||
| Preferred Share Repurchases | -10.44M | |||||
| Common Dividends Paid | -18.16M | -15.85M | -14.59M | -13.40M | -11.27M | |
| Preferred Dividends Paid | -196.00K | -783.00K | ||||
| Total Dividends Paid | -18.16M | -15.85M | -14.59M | -13.60M | -12.05M | |
| Net Increase (Decrease) in Deposit Accounts | -90.50M | 280.51M | 515.41M | 540.07M | 403.09M | |
| Financing Cash Flow | -330.77M | 492.76M | 216.96M | 620.95M | 236.13M | |
| Net Cash Flow | -414.04M | 337.00M | 46.78M | 21.42M | 74.51M | |
| Free Cash Flow | 136.32M | 171.17M | 162.21M | 216.70M | 72.19M | |
| Free Cash Flow Margin | 33.25% | 45.06% | 45.91% | 72.62% | 24.28% | |
| Free Cash Flow Per Share | 3.02 | 3.90 | 4.01 | 5.78 | 1.88 | |
| Cash Interest Paid | 196.96M | 217.41M | 128.64M | 31.18M | 13.05M | |
| Cash Income Tax Paid | 36.18M | 12.50M | 12.24M | 28.65M | 34.82M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 1.75B | 1.34B | 1.29B | 1.03B | 860.86M | 1.03B |
| Last Close Price | 38.50 | 28.83 | 28.26 | 22.61 | 21.68 | 25.43 |
| PE Ratio | 11.37 | 10.27 | 10.66 | 9.55 | 9.81 | 11.21 |
| PS Ratio | 4.02 | 3.26 | 3.39 | 2.92 | 2.88 | 3.47 |
| PB Ratio | 1.35 | 1.05 | 1.18 | 1.04 | 1.12 | 1.23 |
| P/FCF Ratio | 10.85 | 9.80 | 7.52 | 6.35 | 3.97 | 14.29 |
| P/OCF Ratio | 10.70 | 9.52 | 7.35 | 6.20 | 3.91 | 13.86 |
| Debt / Equity Ratio | 0.33 | 0.46 | 0.73 | 0.58 | 1.02 | 0.78 |
| Debt / FCF Ratio | 4.32 | 4.63 | 3.53 | 3.62 | 9.08 | |
| Net Debt / Equity Ratio | 0.16 | 0.33 | 0.17 | 0.29 | 0.70 | 0.58 |
| Net Debt / FCF Ratio | 3.02 | 1.08 | 1.79 | 2.49 | 6.71 | |
| Return on Equity (ROE) | 12.26% | 11.02% | 11.60% | 12.29% | 10.98% | 11.30% |
| Return on Assets (ROA) | 1.56% | 1.36% | 1.31% | 1.33% | 1.25% | 1.42% |
| Earnings Yield | 8.79% | 9.74% | 9.38% | 10.47% | 10.22% | 9.00% |
| FCF Yield | 9.22% | 10.21% | 13.30% | 15.75% | 25.17% | 7.00% |
| Dividend Yield | 1.43% | 1.36% | 1.24% | 1.53% | 1.57% | 1.10% |
| Payout Ratio | 15.13% | 13.97% | 13.12% | 13.52% | 15.46% | 12.99% |
| Buyback Yield / Dilution | -0.31% | -2.76% | -8.43% | -7.92% | 2.33% | -0.15% |
| Total Shareholder Return | 1.11% | -1.39% | -7.18% | -6.39% | 3.90% | 0.95% |