← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

BY logoByline Bancorp, Inc.(BY)Earnings, Financials & Key Ratios

BY•NYSE•Banking & Credit
$33.22
$1.51B mkt cap·11.5× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutByline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. It operates through 43 branch locations in the Chicago metropolitan area and one branch in Brookfield, Wisconsin. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.Show more
  • Net Interest Income$385M+10.7%
  • Total Revenue$629M+1.3%
  • Net Income$130M+7.7%
  • Return on Equity11.02%-5.0%
  • Net Interest Margin3.99%+8.9%
  • Efficiency Ratio37.06%+6.9%
  • ROA1.36%+3.4%
  • Equity / Assets13.14%+14.3%
  • Book Value per Share27.91+12.2%
  • Tangible BV/Share23.50+15.3%
  • Debt/Equity0.45-37.2%
Technical→

BY Key Insights

Byline Bancorp, Inc. (BY) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 28.3%
  • ✓Strong NIM of 4.0%
  • ✓Efficient operations: 37.1% efficiency ratio
  • ✓Well capitalized: 13.1% equity/assets
  • ✓Trading near 52-week high
  • ✓Trading at only 1.2x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BY Price & Volume

Byline Bancorp, Inc. (BY) stock price & volume — 10-year historical chart

Loading chart...

BY Growth Metrics

Byline Bancorp, Inc. (BY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years20.65%
5 Years16.49%
3 Years20.87%
TTM-

Profit CAGR

10 Years-
5 Years28.26%
3 Years13.93%
TTM7.69%

EPS CAGR

10 Years-
5 Years24.66%
3 Years7.29%
TTM4.71%

Return on Capital

10 Years6.17%
5 Years7.91%
3 Years7.83%
Last Year5.32%

BY Recent Earnings

Byline Bancorp, Inc. (BY) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (100%)●Beat Revenue 7/12 qtrs (70%)
Q2 2026Latest
Apr 23, 2026
EPS
$0.83
Est $0.74
+12.2%
Revenue
$112M
Est $114M
-1.5%
Q1 2026
Feb 27, 2026
EPS
$0.76
Revenue
$160M
Q1 2026
Jan 22, 2026
EPS
$0.76
Est $0.72
+5.6%
Revenue
$117M
Est $112M
+4.2%
Q4 2025
Oct 23, 2025
EPS
$0.83
Est $0.71
+16.9%
Revenue
$116M
Est $112M
+3.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.83vs $0.74+12.2%
$112Mvs $114M-1.5%
Q1 2026Feb 27, 2026
$0.76
$160M
Q1 2026Jan 22, 2026
$0.76vs $0.72+5.6%
$117Mvs $112M+4.2%
Q4 2025Oct 23, 2025
$0.83vs $0.71+16.9%
$116Mvs $112M+3.8%
Based on last 12 quarters of dataView full earnings history →

BY Peer Comparison

Byline Bancorp, Inc. (BY) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
MBWM logoMBWMMercantile Bank CorporationDirect Competitor901.38M52.189.562.74%13.54%1.14
MGYR logoMGYRMagyar Bancorp, Inc.Direct Competitor112.72M17.4011.1512.08%9.18%0.41
MOFG logoMOFGMidWestOne Financial Group, Inc.Direct Competitor1.02B49.31-13.93-23.13%10.02%0.21
FBIZ logoFBIZFirst Business Financial Services, Inc.Direct Competitor470.37M56.389.306.43%14.12%0.70
SBCF logoSBCFSeacoast Banking Corporation of FloridaProduct Competitor3.06B31.3619.857.49%5.83%0.44
TCBK logoTCBKTriCo BancsharesProduct Competitor1.63B50.8013.691.78%9.43%0.06
HAFC logoHAFCHanmi Financial CorporationProduct Competitor909.33M30.4212.123.55%9.85%0.35
CTBI logoCTBICommunity Trust Bancorp, Inc.Product Competitor1.2B66.2714.3815.23%11.22%0.42

Compare BY vs Peers

Byline Bancorp, Inc. (BY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MBWM

Most directly comparable listed peer for BY.

Scale Benchmark

vs FISV

Larger-name benchmark to compare BY against a more recognizable public peer.

Peer Set

Compare Top 5

vs MBWM, MGYR, MOFG, FBIZ

BY Income Statement

Byline Bancorp, Inc. (BY) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income122.91M178.6M216.28M214.98M236.39M265.33M330.62M348.05M385.31M
NII Growth %35.64%45.31%21.1%-0.6%9.96%12.24%24.61%5.27%10.71%
Net Interest Margin %3.65%3.61%3.92%3.36%3.53%3.6%3.72%3.66%3.99%
Interest Income136.8M206.95M264.81M239.23M248.93M301.56M479.48M565.93M572.18M
Interest Expense13.89M28.35M48.53M24.25M12.54M36.23M148.86M217.88M186.87M
Loan Loss Provision12.65M18.8M20.71M56.68M973K23.88M31.65M27.04M26.4M
Non-Interest Income45.64M43.23M46.87M54.29M67.22M54.9M52.99M55.49M57.31M
Non-Interest Income %25.02%17.28%15.04%18.5%21.26%15.4%9.95%8.93%9.1%
Total Revenue
182.44M▲ 0%
250.18M▲ 37.1%
311.68M▲ 24.6%
293.52M▼ 5.8%
316.14M▲ 7.7%
356.46M▲ 12.8%
532.47M▲ 49.4%
621.42M▲ 16.7%
629.49M▲ 1.3%
Revenue Growth %51.35%37.13%24.58%-5.83%7.71%12.75%49.38%16.71%1.3%
Non-Interest Expense115.1M147.6M165.15M160.92M178.42M181.67M206.28M215.42M233.26M
Efficiency Ratio63.09%59%52.99%54.82%56.44%50.96%38.74%34.67%37.06%
Operating Income
40.79M▲ 0%
55.44M▲ 35.9%
77.3M▲ 39.4%
51.67M▼ 33.2%
124.21M▲ 140.4%
114.68M▼ 7.7%
145.68M▲ 27.0%
161.08M▲ 10.6%
182.96M▲ 13.6%
Operating Margin %22.36%22.16%24.8%17.6%39.29%32.17%27.36%25.92%29.06%
Operating Income Growth %643.87%35.9%39.42%-33.16%140.41%-7.67%27.03%10.57%13.58%
Pretax Income
40.79M▲ 0%
55.44M▲ 35.9%
77.3M▲ 39.4%
51.67M▼ 33.2%
124.21M▲ 140.4%
114.68M▼ 7.7%
145.68M▲ 27.0%
161.08M▲ 10.6%
173.25M▲ 7.6%
Pretax Margin %22.36%22.16%24.8%17.6%39.29%32.17%27.36%25.92%27.52%
Income Tax19.1M14.25M20.29M14.2M31.43M26.73M37.8M40.32M43.2M
Effective Tax Rate %46.82%25.7%26.25%27.48%25.3%23.31%25.95%25.03%24.94%
Net Income
21.7M▲ 0%
41.19M▲ 89.9%
57M▲ 38.4%
37.47M▼ 34.3%
92.78M▲ 147.6%
87.95M▼ 5.2%
107.88M▲ 22.7%
120.76M▲ 11.9%
130.05M▲ 7.7%
Net Margin %11.89%16.47%18.29%12.76%29.35%24.67%20.26%19.43%20.66%
Net Income Growth %-67.49%89.87%38.38%-34.27%147.64%-5.21%22.65%11.94%7.69%
Net Income (Continuing)21.7M41.19M57M37.47M92.78M87.95M107.88M120.76M130.05M
EPS (Diluted)
0.38▲ 0%
1.18▲ 210.5%
1.48▲ 25.4%
0.96▼ 35.1%
2.40▲ 150.0%
2.34▼ 2.5%
2.67▲ 14.1%
2.75▲ 3.0%
2.89▲ 5.1%
EPS Growth %-85.71%210.53%25.42%-35.14%150%-2.5%14.1%3%5.09%
EPS (Basic)0.391.211.510.962.452.372.692.782.90
Diluted Shares Outstanding27.55M34.19M37.99M38.31M38.37M37.48M40.45M43.85M45.42M

BY Balance Sheet

Byline Bancorp, Inc. (BY) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments641.59M939.52M1.27B1.53B1.61B1.35B1.57B1.73B1.47B
Cash & Due from Banks58.35M121.86M80.74M83.42M157.93M179.35M226.14M563.14M60.18M
Short Term Investments583.24M817.66M1.19B1.45B1.45B1.17B1.34B1.17B1.41B
Total Investments2.82B4.26B4.82B5.55B5.69B6.08B7.32B7.55B1.41B
Investments Growth %1.37%50.74%13.26%15.18%2.53%6.87%20.31%3.16%-81.39%
Long-Term Investments2.24B3.44B3.63B4.11B4.24B4.91B5.98B6.39B0
Accounts Receivables7.67M10.86M13.28M20.68M18.88M29.82M43.92M40.65M0
Goodwill & Intangibles71.32M161.6M180.25M172.63M165.56M158.89M203.48M198.1M200.52M
Goodwill54.56M128.18M148.35M148.35M148.35M148.35M181.71M181.71M200.52M
Intangible Assets16.76M33.42M31.9M24.28M17.2M10.53M21.77M16.39M0
PP&E (Net)95.22M97.68M96.14M86.73M74.19M68.15M79.1M70.3M57.99M
Other Assets48.79M62.24M70.91M68.45M168.46M246.83M266.66M269.84M0
Total Current Assets863.24M1.15B1.5B1.92B2B1.91B2.31B2.52B1.47B
Total Non-Current Assets2.5B3.8B4.02B4.47B4.7B5.45B6.58B6.98B300.29M
Total Assets
3.37B▲ 0%
4.94B▲ 46.8%
5.52B▲ 11.7%
6.39B▲ 15.7%
6.7B▲ 4.8%
7.36B▲ 10.0%
8.88B▲ 20.6%
9.5B▲ 6.9%
9.65B▲ 1.6%
Asset Growth %2.13%46.83%11.72%15.73%4.78%9.96%20.63%6.92%1.64%
Return on Assets (ROA)0.65%0.99%1.09%0.63%1.42%1.25%1.33%1.31%1.36%
Accounts Payable1.31M3.48M3.68M1.48M262K4.49M22.23M21.11M0
Total Debt420.34M495.93M576.97M385.79M645.77M765.82M553.78M774.65M564.95M
Net Debt361.99M374.07M496.24M302.37M487.84M586.47M327.64M211.51M504.76M
Long-Term Debt389.15M461.77M527.33M343.79M600.42M736.03M487.65M731.6M564.95M
Short-Term Debt31.19M34.17M49.64M41.99M29.72M15.4M51.86M32.11M0
Other Liabilities000371.91M00138.81M150.64M3.06B
Total Current Liabilities2.52B3.83B4.24B4.87B5.24B5.85B7.25B7.51B4.76B
Total Non-Current Liabilities389.15M461.77M527.33M715.7M616.05M750.42M640.73M893.18M3.62B
Total Liabilities2.91B4.29B4.77B5.59B5.86B6.6B7.89B8.41B8.38B
Total Equity
458.58M▲ 0%
650.67M▲ 41.9%
750.12M▲ 15.3%
805.46M▲ 7.4%
836.38M▲ 3.8%
765.82M▼ 8.4%
990.15M▲ 29.3%
1.09B▲ 10.2%
1.27B▲ 16.2%
Equity Growth %19.84%41.89%15.28%7.38%3.84%-8.44%29.29%10.24%16.16%
Equity / Assets (Capital Ratio)13.62%13.16%13.58%12.6%12.49%10.4%11.15%11.49%13.14%
Return on Equity (ROE)5.16%7.43%8.14%4.82%11.3%10.98%12.29%11.6%11.02%
Book Value per Share16.6519.0319.7521.0221.8020.4324.4824.8927.91
Tangible BV per Share14.0614.3115.0016.5217.4816.2019.4520.3723.50
Common Stock292K361K379K384K387K389K451K455K471K
Additional Paid-in Capital391.59M546.85M580.97M587.16M593.75M598.3M710.49M717.76M760.7M
Retained Earnings61.35M102.52M159.03M191.1M271.68M335.79M429.04M533.9M645.72M
Accumulated OCI-5.09M-9.5M-700K18.05M-8.3M-117.55M-100.12M-113.69M-73.08M
Treasury Stock000-1.67M-31.57M-51.11M-49.71M-46.94M-65.91M
Preferred Stock10.44M10.44M10.44M10.44M10.44M0000

BY Cash Flow Statement

Byline Bancorp, Inc. (BY) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations26.85M79.94M29.31M109.02M74.43M220.33M166.07M175.16M140.32M
Operating CF Growth %533.92%197.68%-63.33%271.91%-31.73%196.04%-24.63%5.48%-19.89%
Net Income21.7M41.19M57M37.47M92.78M87.95M107.88M120.76M130.05M
Depreciation & Amortization8.27M5.58M6.39M6.48M5.99M4.29M4.53M5.03M4.55M
Deferred Taxes16.6M15.44M-882K-9.1M-60K25.56M26.58M-2.55M7.76M
Other Non-Cash Items-9.85M25.36M-16.15M38.92M17.3M60.36M28.74M-18.73M-38.09M
Working Capital Changes-11.37M-9.16M-18.72M32.67M-45.61M36.84M-8.37M62.76M26.76M
Cash from Investing-61.63M-369.4M-250.56M-886.36M-236.05M-819.86M-336.24M-330.92M-223.59M
Purchase of Investments-53.48M-206.05M-549.87M-977.83M-645.46M-104.08M-185.53M-352.37M-182.62M
Sale/Maturity of Investments97.65M107.59M319.86M645.61M681.88M190.6M277.75M274.91M357.51M
Net Investment Activity44.17M-98.46M-230.01M-332.21M36.42M86.51M92.22M-77.46M174.89M
Acquisitions020.37M4.31M0007.83M061.83M
Other Investing-103.26M-288.74M-20.59M-550.23M-270.23M-902.74M-432.44M-249.47M-456.32M
Cash from Financing46.6M352.98M180.13M780.01M236.13M620.95M216.96M492.76M-330.77M
Dividends Paid-11.28M-783K-783K-6.49M-12.05M-13.6M-14.59M-15.85M-18.16M
Share Repurchases-15.01M00-1.67M-28.87M-17.27M00-23.73M
Stock Issued76.83M2.54M3.73M3.63M2.14M1.51M1.79M4.52M1.9M
Net Stock Activity61.82M2.54M3.73M1.96M-26.73M-15.77M1.79M4.52M-21.83M
Debt Issuance (Net)1000K1000K1000K1000K-1000K1000K-1000K1000K-1000K
Other Financing-32.35M290.25M123.14M596.89M390.82M525.75M540.17M272M-43.01M
Net Change in Cash
11.82M▲ 0%
63.51M▲ 437.5%
-41.12M▼ 164.7%
2.68M▲ 106.5%
74.51M▲ 2677.2%
21.42M▼ 71.2%
46.78M▲ 118.4%
337M▲ 620.4%
-414.04M▼ 222.9%
Exchange Rate Effect000000000
Cash at Beginning46.53M58.35M121.86M80.74M83.42M157.93M179.35M226.14M563.14M
Cash at End58.35M121.86M80.74M83.42M157.93M179.35M226.14M563.14M149.09M
Interest Paid15.28M25.97M48.01M25.85M13.05M31.18M128.64M217.41M196.96M
Income Taxes Paid2.85M3.51M19.38M14.44M34.82M28.65M12.24M12.5M36.18M
Free Cash Flow
24.32M▲ 0%
77.36M▲ 218.1%
25.05M▼ 67.6%
105.11M▲ 319.6%
72.19M▼ 31.3%
216.7M▲ 200.2%
162.21M▼ 25.1%
171.17M▲ 5.5%
136.32M▼ 20.4%
FCF Growth %1520.27%218.15%-67.62%319.64%-31.32%200.18%-25.15%5.53%-20.36%

BY Banking Ratios

Byline Bancorp, Inc. (BY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)23.38%5.16%7.43%8.14%4.82%11.3%10.98%12.29%11.6%11.02%
Return on Assets (ROA)2.31%0.65%0.99%1.09%0.63%1.42%1.25%1.33%1.31%1.36%
Net Interest Margin2.75%3.65%3.61%3.92%3.36%3.53%3.6%3.72%3.66%3.99%
Efficiency Ratio80.44%63.09%59%52.99%54.82%56.44%50.96%38.74%34.67%37.06%
Equity / Assets11.61%13.62%13.16%13.58%12.6%12.49%10.4%11.15%11.49%13.14%
Book Value / Share15.2416.6519.0319.7521.0221.820.4324.4824.8927.91
NII Growth18.25%35.64%45.31%21.1%-0.6%9.96%12.24%24.61%5.27%10.71%
Dividend Payout----15.24%12.15%15.24%13.52%13.12%13.97%

BY SEC Filings & Documents

Byline Bancorp, Inc. (BY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Jan 22, 2026·SEC

Material company update

Dec 11, 2025·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Mar 4, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 7, 2025·SEC

FY 2025

May 2, 2025·SEC

BY Frequently Asked Questions

Byline Bancorp, Inc. (BY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Byline Bancorp, Inc. (BY) grew revenue by 1.3% over the past year. Growth has been modest.

Yes, Byline Bancorp, Inc. (BY) is profitable, generating $130.1M in net income for fiscal year 2025 (20.7% net margin).

Dividend & Returns

Yes, Byline Bancorp, Inc. (BY) pays a dividend with a yield of 1.20%. This makes it attractive for income-focused investors.

Byline Bancorp, Inc. (BY) has a return on equity (ROE) of 11.0%. This is reasonable for most industries.

Industry Metrics

Byline Bancorp, Inc. (BY) has a net interest margin (NIM) of 4.0%. This indicates healthy earnings from lending activities.

Byline Bancorp, Inc. (BY) has an efficiency ratio of 37.1%. This is excellent, indicating strong cost control.

Explore More BY

Byline Bancorp, Inc. (BY) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.