BYLINE BANCORP, INC.
BYLINE BANCORP, INC.
BYLINE BANCORP, INC. (BY) — SEC Financial Statements & Analysis
BYLINE BANCORP, INC. (BY) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 62 | 60 | 70 | 75 | 73 | 59 | 77 | 68 | 59 | 60 | 71 | 60 | |||||
Interest Bearing Deposits In Banks | 136 | 89 | 189 | 143 | 348 | 504 | 376 | 662 | 578 | 166 | 358 | 261 | |||||
Cash And Cash Equivalents At Carrying Value | 198 | 149 | 259 | 218 | 421 | 563 | 453 | 730 | 637 | 226 | 429 | 320 | |||||
Available For Sale Securities Debt Securities | 1,656 | 1,405 | 1,512 | 1,575 | 1,538 | 1,416 | 1,502 | 1,387 | 1,379 | 1,342 | 1,240 | 1,126 | |||||
Held To Maturity Securities | - | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | |||||
Restricted Investments | 21 | 21 | 16 | 19 | 26 | 27 | 23 | 32 | 23 | 16 | 31 | 24 | |||||
Loans Receivable Held For Sale Net Not Part Of Dis… | 10 | 14 | 21 | 26 | 21 | 3 | 20 | 13 | 24 | 18 | 7 | 26 | |||||
Loans And Leases Receivab… | |||||||||||||||||
Loans And Leases Receivable Gross Carrying Amount | - | - | - | - | - | - | - | - | 6,778 | 6,684 | 6,613 | 5,571 | |||||
Notes Receivable Gross | 7,475 | 7,509 | 7,441 | 7,328 | 7,026 | 6,907 | 6,879 | 6,891 | 6,778 | 6,684 | 6,613 | 5,571 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | -102 | -102 | -106 | -93 | |||||
Loans And Leases Receivable Allowance Covered | -109 | -109 | -106 | -108 | -100 | -98 | -99 | -100 | -102 | -102 | -106 | -93 | |||||
Loans And Leases Receivable Net Reported Amount Co… | 7,366 | 7,401 | 7,335 | 7,220 | 6,925 | 6,809 | 6,781 | 6,791 | 6,676 | 6,583 | 6,508 | 5,478 | |||||
Servicing Asset At Fair Value Amount | 19 | 19 | 19 | 19 | 20 | 19 | 19 | 20 | 21 | 20 | 20 | 22 | |||||
Assets | |||||||||||||||||
Assets | 9,910 | 9,653 | 9,812 | 9,720 | 9,585 | 9,497 | 9,424 | 9,634 | 9,411 | 8,882 | 8,943 | 7,576 | |||||
Interest Receivable | - | 40 | - | - | - | 41 | - | - | - | 44 | - | - | |||||
Property Plant And Equipment Net | 57 | 58 | 59 | 60 | 60 | 61 | 63 | 64 | 64 | 67 | 67 | 56 | |||||
Operating Lease Right Of Use Asset | - | 9 | - | - | - | 10 | - | - | - | 12 | - | - | |||||
Foreclosed Assets | 3 | 3 | 4 | 5 | 6 | 5 | - | - | - | 1 | 2 | 2 | |||||
Goodwill | - | 182 | - | - | - | 182 | - | - | - | 182 | - | - | |||||
Finite Lived Intangible Assets Net | - | 19 | - | - | - | 16 | - | - | - | 22 | - | - | |||||
Intangible Assets Net Including Goodwill | 199 | - | 202 | 204 | 197 | - | 199 | 201 | 202 | - | 205 | 156 | |||||
Bank Owned Life Insurance | 108 | 107 | 107 | 106 | 101 | 100 | 99 | 99 | 98 | 97 | 96 | 83 | |||||
Deferred Income Tax Assets Net | 46 | 42 | 50 | 57 | 51 | 56 | 38 | 49 | 53 | 50 | 90 | 67 | |||||
Accounts Receivable Gross | - | 32 | - | - | - | 39 | - | - | - | 35 | - | - | |||||
Other Assets | - | 139 | - | - | - | 137 | - | - | - | 152 | - | - | |||||
Interest Receivable And Other Assets | 216 | - | 219 | 201 | 208 | - | 218 | 239 | 224 | - | 240 | 195 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Noninterest Bearing Domestic Deposit Demand | 1,819 | 1,819 | 1,933 | 1,773 | 1,716 | 1,756 | 1,730 | 1,763 | 1,852 | 1,906 | 1,960 | 1,794 | |||||
Interest Bearing Deposit … | |||||||||||||||||
Interest Bearing Domestic Deposit Time Deposits | - | 1,517 | - | - | - | 1,933 | - | - | - | 1,885 | - | - | |||||
Interest Bearing Deposit Liabilities | 5,983 | - | 5,895 | 6,037 | 5,838 | - | 5,768 | 5,584 | 5,498 | - | 4,994 | 4,123 | |||||
Deposits | 7,802 | 7,647 | 7,828 | 7,810 | 7,553 | 7,459 | 7,498 | 7,347 | 7,350 | 7,177 | 6,954 | 5,917 | |||||
Advances From Federal Home Loan Banks | - | 340 | - | - | - | 575 | - | - | - | 325 | - | - | |||||
Liabilities | |||||||||||||||||
Liabilities | 8,629 | 8,385 | 8,575 | 8,528 | 8,454 | 8,405 | 8,328 | 8,601 | 8,401 | 7,892 | 8,023 | 6,762 | |||||
Other Borrowings | 505 | - | 361 | 414 | 578 | - | 519 | 919 | 721 | - | 713 | 575 | |||||
Subordinated Debt | 74 | 74 | 149 | 74 | 74 | 74 | 74 | 74 | 74 | 74 | 74 | 74 | |||||
Line Of Credit | - | 0 | - | - | - | 0 | - | - | - | 11 | - | - | |||||
Securities Sold Under Agreements To Repurchase | - | 80 | - | - | - | 32 | - | - | - | 41 | - | - | |||||
Junior Subordinated Debenture Owed To Unconsolidat… | 72 | 71 | 71 | 71 | 71 | 71 | 71 | 71 | 71 | 70 | 70 | 38 | |||||
Interest Payable Current And Noncurrent | - | 12 | - | - | - | 21 | - | - | - | 22 | - | - | |||||
Operating Lease Liability Current | - | 10 | - | - | - | 11 | - | - | - | 14 | - | - | |||||
Accrued Liabilities And Other Liabilities | - | 151 | - | - | - | 151 | - | - | - | 139 | - | - | |||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital | 755 | 761 | 758 | 756 | 713 | 718 | 715 | 711 | 709 | 710 | 709 | 600 | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 1,280 | 1,268 | 1,238 | 1,192 | 1,131 | 1,091 | 1,096 | 1,033 | 1,009 | 990 | 920 | 814 | |||||
Retained Earnings Accumulated Deficit | 678 | 646 | 616 | 583 | 558 | 534 | 508 | 481 | 456 | 429 | 403 | 379 | |||||
Treasury Stock Value | -71 | -66 | -57 | -57 | -44 | -47 | -48 | -48 | -49 | -50 | -50 | -50 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -82 | -73 | -80 | -90 | -96 | -114 | -79 | -111 | -107 | -100 | -142 | -115 | |||||
Liabilities And Stockholders Equity | 9,910 | 9,653 | 9,812 | 9,720 | 9,585 | 9,497 | 9,424 | 9,634 | 9,411 | 8,882 | 8,943 | 7,576 | |||||
Preferred Stock No Par Value | 0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | - | 0 | 0 | |||||
Preferred Stock Shares Authorized | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | |||||
Preferred Stock Shares Issued | 0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | - | 0 | 0 | |||||
Preferred Stock Shares Outstanding | 0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | - | 0 | 0 | |||||
Treasury Stock Preferred Shares | 0 | - | 0 | 0 | 0 | - | 0 | 0 | 0 | - | 0 | 0 | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Common Stock Shares Authorized | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | |||||
Common Stock Shares Issued | 48 | 48 | 48 | 48 | 46 | 46 | 46 | 46 | 46 | 46 | 46 | 40 | |||||
Shares Outstanding | 45 | - | 46 | 46 | 45 | - | 44 | 44 | 44 | - | 44 | 38 | |||||
Treasury Stock Common Shares | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Available For Sale Debt Securities Amortized Cost … | 1,777 | 1,516 | 1,636 | 1,716 | 1,691 | 1,596 | 1,635 | 1,573 | 1,562 | 1,517 | 1,480 | 1,329 | |||||
Preferred Stock Par Or Stated Value Per Share | - | 0.01 | - | - | - | 0.01 | - | - | - | 0.01 | - | - | |||||
Held To Maturity Securities Fair Value | 0 | - | - | - | - | 1 | 1 | 1 | 1 | 1 | 1 | 2 | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.26% | 8.36% | - | - | - | - | - | - | - | - | - | - |
| 2025 | -1.74% | -4.86% | 5.32% | 13.42% | 11.22% | 10.44% | 2.42% | 8.99% | 13.54% | -3.01% | 8.08% | 2.56% |
| 2024 | 0.39% | -2.63% | 18.97% | 9.51% | 3.24% | 6.04% | 19.81% | 9.61% | 6.94% | -6.66% | -15.28% | -4.71% |
| 2023 | -0.44% | -0.44% | 7.33% | -4.42% | -10.07% | -13.38% | 2.20% | 19.96% | 12.87% | 4.67% | 4.96% | 12.63% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.53 | -0.55 | -0.55 | -0.56 | -0.16 | 0.33 | 0.94 | 1.79 | 1.87 | 1.98 | 2.16 | 2.53 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 3.09 | 2.89 | 2.77 | 2.62 | 2.68 | 2.75 | 2.73 | 2.70 | 2.62 | 2.67 | 2.32 | 2.56 | |||||
| Free Cash Flow Per Share TTM | 3.68 | 3.04 | 2.86 | 2.43 | 3.09 | 3.94 | 2.63 | 3.98 | 4.05 | 4.05 | 4.71 | 4.25 | |||||
| Dividend Per Share TTM | 0.43 | 0.41 | 0.39 | 0.38 | 0.37 | 0.36 | 0.36 | 0.37 | 0.35 | 0.36 | 0.33 | 0.36 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 68.56% | 67.34% | 65.64% | 63.70% | 62.36% | 61.50% | 51.68% | 53.51% | 55.05% | 57.40% | 73.30% | 78.02% | |||||
| Operating Profit Margin TTM | 32.03% | 30.28% | 29.37% | 27.73% | 28.09% | 28.46% | 28.59% | 28.76% | 29.74% | 30.38% | 30.92% | 33.52% | |||||
| Net Profit Margin TTM | 24.07% | 22.73% | 22.17% | 21.04% | 21.08% | 21.34% | 21.36% | 21.36% | 22.09% | 22.50% | 23.10% | 25.08% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 2.94% | 1.11% | 1.01% | 2.41% | 8.63% | 18.03% | 28.54% | 45.11% | 52.41% | 59.00% | 60.16% | 48.73% | |||||
| Net Income Growth (1Y) | 17.56% | 7.69% | 4.84% | 0.88% | 3.67% | 11.94% | 18.88% | 23.61% | 27.67% | 22.65% | 23.66% | 13.17% | |||||
| EPS Growth (1Y) | 15.06% | 4.45% | 1.15% | -3.45% | 2.41% | 3.17% | 17.54% | 5.57% | 9.06% | 13.24% | 5.92% | 13.27% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 10.10 | 9.97 | 9.83 | 10.03 | 9.48 | 10.20 | 9.46 | 8.48 | 7.95 | 8.42 | 8.05 | 6.71 | |||||
| P/B | 1.10 | 1.02 | 1.00 | 1.00 | 0.99 | 1.13 | 1.04 | 0.97 | 0.90 | 0.92 | 0.88 | 0.79 | |||||
| P/S TTM | 2.43 | 2.27 | 2.18 | 2.11 | 2.00 | 2.18 | 2.02 | 1.81 | 1.76 | 1.90 | 1.86 | 1.68 | |||||
| Market Cap | 1.41B | 1.30B | 1.24B | 1.19B | 1.12B | 1.23B | 1.14B | 999.68M | 908.91M | 908.80M | 813.23M | 639.86M | |||||
| Enterprise Value | 1.21B | 1.15B | 977.82M | 974.62M | 702.02M | 669.02M | 682.71M | 269.22M | 272.07M | 682.67M | 384.34M | 319.67M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 164.63M | 136.32M | 128.98M | 110.16M | 135.13M | 171.17M | 114.41M | 172.51M | 175.18M | 162.21M | 202.58M | 157.42M | |||||
| Net Debt | -198.37M | -149.10M | -259.02M | -218.35M | -422.06M | -563.14M | -452.60M | -730.46M | -636.84M | -226.14M | -428.89M | -320.19M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
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Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
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| Debt to EBITDA TTM | |||||||||||||||||
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| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
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Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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