No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| TCBITexas Capital Bancshares, Inc. | 4.38B | 95.86 | 74.89 | -1.72% | 4.4% | 7.92% | 9.51% | 0.46 |
| BANCBanc of California, Inc. | 3.05B | 20.25 | 38.94 | 24.65% | 6.78% | 6.01% | 2.11% | 0.67 |
| DBDeutsche Bank AG | 74.76B | 39.13 | 28.56 | 11.78% | 5.07% | 7.18% | 1.91 | |
| HTHHilltop Holdings Inc. | 2.15B | 35.02 | 20.13 | 2.5% | 7.35% | 7.2% | 12.42% | 0.61 |
| SFBSServisFirst Bancshares, Inc. | 4.1B | 75.12 | 18.06 | 17.89% | 23.26% | 14.33% | 6.05% | 1.27 |
| CMAComerica Incorporated | 11.45B | 89.61 | 17.85 | -4.95% | 13.98% | 10.57% | 3.91% | 1.02 |
| CUBICustomers Bancorp, Inc. | 2.64B | 77.26 | 15.18 | -4.22% | 13.33% | 7.92% | 3.03% | 0.77 |
| BOKFBOK Financial Corporation | 7.76B | 122.64 | 15.07 | 10.4% | 15.57% | 8.91% | 16.23% | 0.80 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 76.63M | 90.62M | 122.91M | 178.6M | 216.28M | 214.98M | 236.39M | 265.33M | 330.62M | 348.05M |
| NII Growth % | - | 0.18% | 0.36% | 0.45% | 0.21% | -0.01% | 0.1% | 0.12% | 0.25% | 0.05% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Income | 83.26M | 98.36M | 136.8M | 206.95M | 264.81M | 239.23M | 248.93M | 301.56M | 479.48M | 565.93M |
| Interest Expense | 6.63M | 7.75M | 13.89M | 28.35M | 48.53M | 24.25M | 12.54M | 36.23M | 148.86M | 217.88M |
| Loan Loss Provision | 6.97M | 10.35M | 12.65M | 18.8M | 20.71M | 56.68M | 973K | 23.88M | 31.65M | 27.04M |
| Non-Interest Income | 13.07M | 22.18M | 45.64M | 43.23M | 46.87M | 54.29M | 67.22M | 54.9M | 52.99M | 55.49M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - | - |
| Total Revenue | 96.33M | 120.55M | 182.44M | 250.18M | 311.68M | 293.52M | 316.14M | 356.46M | 532.47M | 621.42M |
| Revenue Growth % | - | 0.25% | 0.51% | 0.37% | 0.25% | -0.06% | 0.08% | 0.13% | 0.49% | 0.17% |
| Non-Interest Expense | 97.4M | 96.96M | 115.1M | 147.6M | 165.15M | 160.92M | 178.42M | 181.67M | 206.28M | 215.42M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -14.67M | 5.48M | 40.79M | 55.44M | 77.3M | 51.67M | 124.21M | 114.68M | 145.68M | 161.08M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 1.37% | 6.44% | 0.36% | 0.39% | -0.33% | 1.4% | -0.08% | 0.27% | 0.11% |
| Pretax Income | -14.67M | 5.48M | 40.79M | 55.44M | 77.3M | 51.67M | 124.21M | 114.68M | 145.68M | 161.08M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 307K | -61.24M | 19.1M | 14.25M | 20.29M | 14.2M | 31.43M | 26.73M | 37.8M | 40.32M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -14.97M | 66.73M | 21.7M | 41.19M | 57M | 37.47M | 92.78M | 87.95M | 107.88M | 120.76M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 5.46% | -0.67% | 0.9% | 0.38% | -0.34% | 1.48% | -0.05% | 0.23% | 0.12% |
| Net Income (Continuing) | -14.97M | 66.73M | 21.7M | 41.19M | 57M | 37.47M | 92.78M | 87.95M | 107.88M | 120.76M |
| EPS (Diluted) | -0.61 | 2.66 | 0.38 | 1.18 | 1.48 | 0.96 | 2.40 | 2.34 | 2.67 | 2.75 |
| EPS Growth % | - | 5.36% | -0.86% | 2.11% | 0.25% | -0.35% | 1.5% | -0.03% | 0.14% | 0.03% |
| EPS (Basic) | -0.61 | 2.71 | 0.39 | 1.21 | 1.51 | 0.96 | 2.45 | 2.37 | 2.69 | 2.78 |
| Diluted Shares Outstanding | 25.11M | 25.11M | 27.55M | 34.19M | 37.99M | 38.31M | 38.37M | 37.48M | 40.45M | 43.85M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 44.88M | 46.53M | 58.35M | 121.86M | 80.74M | 83.42M | 157.93M | 179.35M | 226.14M | 563.14M |
| Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 2.1B | 2.79B | 2.82B | 4.26B | 4.82B | 5.55B | 5.69B | 6.08B | 7.32B | 7.55B |
| Investments Growth % | - | 0.33% | 0.01% | 0.51% | 0.13% | 0.15% | 0.03% | 0.07% | 0.2% | 0.03% |
| Long-Term Investments | 1.33B | 2.18B | 2.24B | 3.44B | 3.63B | 4.11B | 4.24B | 4.91B | 5.98B | 6.39B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - | - |
| Goodwill | 25.69M | 51.98M | 54.56M | 128.18M | 148.35M | 148.35M | 148.35M | 148.35M | 181.71M | 181.71M |
| Intangible Assets | 22.33M | 19.83M | 16.76M | 33.42M | 31.9M | 24.28M | 17.2M | 10.53M | 21.77M | 16.39M |
| PP&E (Net) | 115.17M | 102.07M | 95.22M | 97.68M | 96.14M | 86.73M | 74.19M | 68.15M | 79.1M | 70.3M |
| Other Assets | 46.95M | 56.49M | 48.79M | 62.24M | 70.91M | 68.45M | 168.46M | 246.83M | 266.66M | 269.84M |
| Total Current Assets | 937.49M | 820.92M | 863.24M | 1.15B | 1.5B | 1.92B | 2B | 1.91B | 2.31B | 2.52B |
| Total Non-Current Assets | 1.54B | 2.47B | 2.5B | 3.8B | 4.02B | 4.47B | 4.7B | 5.45B | 6.58B | 6.98B |
| Total Assets | 2.48B | 3.3B | 3.37B | 4.94B | 5.52B | 6.39B | 6.7B | 7.36B | 8.88B | 9.5B |
| Asset Growth % | - | 0.33% | 0.02% | 0.47% | 0.12% | 0.16% | 0.05% | 0.1% | 0.21% | 0.07% |
| Return on Assets (ROA) | -0.01% | 0.02% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% |
| Accounts Payable | 1.07M | 2.43M | 1.31M | 3.48M | 3.68M | 1.48M | 262K | 4.49M | 22.23M | 21.11M |
| Total Debt | 75.37M | 378.54M | 420.34M | 495.93M | 576.97M | 385.79M | 645.77M | 765.82M | 553.78M | 774.65M |
| Net Debt | 30.49M | 332.01M | 361.99M | 374.07M | 496.24M | 302.37M | 487.84M | 586.47M | 327.64M | 211.51M |
| Long-Term Debt | 62.71M | 340.64M | 389.15M | 461.77M | 527.33M | 343.79M | 600.42M | 736.03M | 487.65M | 731.6M |
| Short-Term Debt | 12.66M | 37.9M | 31.19M | 34.17M | 49.64M | 41.99M | 29.72M | 15.4M | 51.86M | 32.11M |
| Other Liabilities | 0 | 0 | 0 | 0 | 0 | 371.91M | 0 | 0 | 138.81M | 150.64M |
| Total Current Liabilities | 2.23B | 2.57B | 2.52B | 3.83B | 4.24B | 4.87B | 5.24B | 5.85B | 7.25B | 7.51B |
| Total Non-Current Liabilities | 62.71M | 340.64M | 389.15M | 461.77M | 527.33M | 715.7M | 616.05M | 750.42M | 640.73M | 893.18M |
| Total Liabilities | 2.29B | 2.91B | 2.91B | 4.29B | 4.77B | 5.59B | 5.86B | 6.6B | 7.89B | 8.41B |
| Total Equity | 188.27M | 382.66M | 458.58M | 650.67M | 750.12M | 805.46M | 836.38M | 765.82M | 990.15M | 1.09B |
| Equity Growth % | - | 1.03% | 0.2% | 0.42% | 0.15% | 0.07% | 0.04% | -0.08% | 0.29% | 0.1% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -0.08% | 0.23% | 0.05% | 0.07% | 0.08% | 0.05% | 0.11% | 0.11% | 0.12% | 0.12% |
| Book Value per Share | 7.50 | 15.24 | 16.65 | 19.03 | 19.75 | 21.02 | 21.80 | 20.43 | 24.48 | 24.89 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Common Stock | 193.73M | 311.99M | 292K | 361K | 379K | 384K | 387K | 389K | 451K | 455K |
| Additional Paid-in Capital | 1.04M | 313.55M | 391.59M | 546.85M | 580.97M | 587.16M | 593.75M | 598.3M | 710.49M | 717.76M |
| Retained Earnings | -15.8M | 50.93M | 61.35M | 102.52M | 159.03M | 191.1M | 271.68M | 335.79M | 429.04M | 533.9M |
| Accumulated OCI | -5.71M | -7.27M | -5.09M | -9.5M | -700K | 18.05M | -8.3M | -117.55M | -100.12M | -113.69M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -1.67M | -31.57M | -51.11M | -49.71M | -46.94M |
| Preferred Stock | 15M | 25.44M | 10.44M | 10.44M | 10.44M | 10.44M | 10.44M | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -43.47M | 4.24M | 26.85M | 79.94M | 29.31M | 109.02M | 74.43M | 220.33M | 166.07M | 175.16M |
| Operating CF Growth % | - | 1.1% | 5.34% | 1.98% | -0.63% | 2.72% | -0.32% | 1.96% | -0.25% | 0.05% |
| Net Income | -14.97M | 66.73M | 21.7M | 41.19M | 57M | 37.47M | 92.78M | 87.95M | 107.88M | 120.76M |
| Depreciation & Amortization | 8.78M | 8.06M | 8.27M | 5.58M | 6.39M | 6.48M | 5.99M | 4.29M | 4.53M | 5.03M |
| Deferred Taxes | 0 | -61.5M | 16.6M | 15.44M | -882K | -9.1M | -60K | 25.56M | 26.58M | -2.55M |
| Other Non-Cash Items | -29.28M | 799K | -9.85M | 25.36M | -16.15M | 38.92M | 17.3M | 60.36M | 28.74M | -18.73M |
| Working Capital Changes | -9.04M | -10.75M | -11.37M | -9.16M | -18.72M | 32.67M | -45.61M | 36.84M | -8.37M | 62.76M |
| Cash from Investing | -188.93M | -301.78M | -61.63M | -369.4M | -250.56M | -886.36M | -236.05M | -819.86M | -336.24M | -330.92M |
| Purchase of Investments | -977.27M | -616.96M | -53.48M | -206.05M | -549.87M | -977.83M | -645.46M | -104.08M | -185.53M | -352.37M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | -11.27M | 0 | 20.37M | 4.31M | 0 | 0 | 0 | 7.83M | 0 |
| Other Investing | 18.74M | -433.74M | -103.26M | -288.74M | -20.59M | -550.23M | -270.23M | -902.74M | -432.44M | -249.47M |
| Cash from Financing | 120.64M | 299.2M | 46.6M | 352.98M | 180.13M | 780.01M | 236.13M | 620.95M | 216.96M | 492.76M |
| Dividends Paid | 0 | 0 | -11.28M | -783K | -783K | -6.49M | -12.05M | -13.6M | -14.59M | -15.85M |
| Share Repurchases | 0 | 0 | -15.01M | 0 | 0 | -1.67M | -28.87M | -17.27M | 0 | 0 |
| Stock Issued | 0 | 49.59M | 76.83M | 2.54M | 3.73M | 3.63M | 2.14M | 1.51M | 1.79M | 4.52M |
| Net Stock Activity | - | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K |
| Other Financing | 82.64M | -46.42M | -32.35M | 290.25M | 123.14M | 596.89M | 390.82M | 525.75M | 540.17M | 272M |
| Net Change in Cash | -111.77M | 1.65M | 11.82M | 63.51M | -41.12M | 2.68M | 74.51M | 21.42M | 46.78M | 337M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 156.65M | 44.88M | 46.53M | 58.35M | 121.86M | 80.74M | 83.42M | 157.93M | 179.35M | 226.14M |
| Cash at End | 44.88M | 46.53M | 58.35M | 121.86M | 80.74M | 83.42M | 157.93M | 179.35M | 226.14M | 563.14M |
| Interest Paid | 0 | 0 | 15.28M | 25.97M | 48.01M | 25.85M | 13.05M | 31.18M | 128.64M | 217.41M |
| Income Taxes Paid | 0 | 0 | 2.85M | 3.51M | 19.38M | 14.44M | 34.82M | 28.65M | 12.24M | 12.5M |
| Free Cash Flow | -47.49M | -1.71M | 24.32M | 77.36M | 25.05M | 105.11M | 72.19M | 216.7M | 162.21M | 171.17M |
| FCF Growth % | - | 0.96% | 15.2% | 2.18% | -0.68% | 3.2% | -0.31% | 2% | -0.25% | 0.06% |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -7.95% | 23.38% | 5.16% | 7.43% | 8.14% | 4.82% | 11.3% | 10.98% | 12.29% | 11.6% |
| Return on Assets (ROA) | -0.6% | 2.31% | 0.65% | 0.99% | 1.09% | 0.63% | 1.42% | 1.25% | 1.33% | 1.31% |
| Net Interest Margin | 3.09% | 2.75% | 3.65% | 3.61% | 3.92% | 3.36% | 3.53% | 3.6% | 3.72% | 3.66% |
| Efficiency Ratio | 101.11% | 80.44% | 63.09% | 59% | 52.99% | 54.82% | 56.44% | 50.96% | 38.74% | 34.67% |
| Equity / Assets | 7.59% | 11.61% | 13.62% | 13.16% | 13.58% | 12.6% | 12.49% | 10.4% | 11.15% | 11.49% |
| Book Value / Share | 7.5 | 15.24 | 16.65 | 19.03 | 19.75 | 21.02 | 21.8 | 20.43 | 24.48 | 24.89 |
| NII Growth | - | 18.25% | 35.64% | 45.31% | 21.1% | -0.6% | 9.96% | 12.24% | 24.61% | 5.27% |
| Dividend Payout | - | - | - | - | - | 15.24% | 12.15% | 15.24% | 13.52% | 13.12% |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| Bank Servicing | 10.27M | 10.7M | 11.3M | 12.7M | 13.5M | 13.5M | 12.9M |
| Bank Servicing Growth | - | 4.12% | 5.66% | 12.39% | 6.30% | 0.00% | -4.44% |
| Deposit Account | 6.45M | 6.46M | - | - | - | - | - |
| Deposit Account Growth | - | 0.20% | - | - | - | - | - |
| Loan Servicing Asset Revaluation | -9.27M | -6.64M | - | - | - | - | - |
| Loan Servicing Asset Revaluation Growth | - | 28.37% | - | - | - | - | - |
Byline Bancorp, Inc. (BY) has a price-to-earnings (P/E) ratio of 10.8x. This may indicate the stock is undervalued or faces growth challenges.
Byline Bancorp, Inc. (BY) grew revenue by 16.7% over the past year. This is strong growth.
Yes, Byline Bancorp, Inc. (BY) is profitable, generating $125.8M in net income for fiscal year 2024 (19.4% net margin).
Yes, Byline Bancorp, Inc. (BY) pays a dividend with a yield of 1.22%. This makes it attractive for income-focused investors.
Byline Bancorp, Inc. (BY) has a return on equity (ROE) of 11.6%. This is reasonable for most industries.
Byline Bancorp, Inc. (BY) has a net interest margin (NIM) of 3.7%. This indicates healthy earnings from lending activities.
Byline Bancorp, Inc. (BY) has an efficiency ratio of 34.7%. This is excellent, indicating strong cost control.