BYLINE BANCORP, INC.
BYLINE BANCORP, INC.
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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% | 17.33% | - | - | - | - | - | - | - | - | - |
| 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 TTM | 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 | 319.68M | |||||
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 | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| 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) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
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| Altman E | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
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| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
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| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
BYLINE BANCORP, INC. (BY) — SEC Financial Statements & Analysis
BYLINE BANCORP, INC. (BY) is a state commercial banks company, incorporated in DE. BYLINE BANCORP, INC. trades on BY: NYSE as: BY. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), BYLINE BANCORP, INC. reported a 2.94% year-over-year revenue growth, a Gross Profit Margin of 68.56% (TTM), a Price-to-Sales (P/S) ratio of 2.43x (TTM), a Price-to-Book (P/B) ratio of 1.1 (TTM), at a market cap of $1.41B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 2.94%
- Gross Profit Margin TTM
- 68.56%
- P/S TTM
- 2.43x
- P/B TTM
- 1.1
- Market Cap
- $1.41B
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is BYLINE BANCORP, INC. in?
BYLINE BANCORP, INC. (BY) operates in the State Commercial Banks industry.
What is BY's market cap?
BYLINE BANCORP, INC. (BY) has a market capitalization of $1.41B as of 2026-03-31.
What is BY's P/E ratio?
BYLINE BANCORP, INC. (BY)'s trailing twelve month P/E ratio is 10.10x as of 2026-03-31.
What exchange does BY trade on?
BYLINE BANCORP, INC. (BY) trades on the BY: NYSE.
Where is BYLINE BANCORP, INC. incorporated?
BYLINE BANCORP, INC. is incorporated in DE.