8-K Announcements
6Apr 23, 2026·SEC
Jan 22, 2026·SEC
Dec 11, 2025·SEC
Byline Bancorp, Inc. (BY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Byline Bancorp, Inc. (BY) stock price & volume — 10-year historical chart
Byline Bancorp, Inc. (BY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Byline Bancorp, Inc. (BY) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.83vs $0.74+12.2% | $112Mvs $114M-1.5% |
| Q1 2026 | Feb 27, 2026 | $0.76 | $160M |
| Q1 2026 | Jan 22, 2026 | $0.76vs $0.72+5.6% | $117Mvs $112M+4.2% |
| Q4 2025 | Oct 23, 2025 | $0.83vs $0.71+16.9% | $116Mvs $112M+3.8% |
Byline Bancorp, Inc. (BY) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Byline Bancorp, Inc. (BY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Byline Bancorp, Inc. (BY) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 122.91M | 178.6M | 216.28M | 214.98M | 236.39M | 265.33M | 330.62M | 348.05M | 385.31M |
| 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 Income | 136.8M | 206.95M | 264.81M | 239.23M | 248.93M | 301.56M | 479.48M | 565.93M | 572.18M |
| Interest Expense | 13.89M | 28.35M | 48.53M | 24.25M | 12.54M | 36.23M | 148.86M | 217.88M | 186.87M |
| Loan Loss Provision | 12.65M | 18.8M | 20.71M | 56.68M | 973K | 23.88M | 31.65M | 27.04M | 26.4M |
| Non-Interest Income | 45.64M | 43.23M | 46.87M | 54.29M | 67.22M | 54.9M | 52.99M | 55.49M | 57.31M |
| 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 Expense | 115.1M | 147.6M | 165.15M | 160.92M | 178.42M | 181.67M | 206.28M | 215.42M | 233.26M |
| Efficiency Ratio | 63.09% | 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 Tax | 19.1M | 14.25M | 20.29M | 14.2M | 31.43M | 26.73M | 37.8M | 40.32M | 43.2M |
| 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) | 21.7M | 41.19M | 57M | 37.47M | 92.78M | 87.95M | 107.88M | 120.76M | 130.05M |
| 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) | 0.39 | 1.21 | 1.51 | 0.96 | 2.45 | 2.37 | 2.69 | 2.78 | 2.90 |
| Diluted Shares Outstanding | 27.55M | 34.19M | 37.99M | 38.31M | 38.37M | 37.48M | 40.45M | 43.85M | 45.42M |
Byline Bancorp, Inc. (BY) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 641.59M | 939.52M | 1.27B | 1.53B | 1.61B | 1.35B | 1.57B | 1.73B | 1.47B |
| Cash & Due from Banks | 58.35M | 121.86M | 80.74M | 83.42M | 157.93M | 179.35M | 226.14M | 563.14M | 60.18M |
| Short Term Investments | 583.24M | 817.66M | 1.19B | 1.45B | 1.45B | 1.17B | 1.34B | 1.17B | 1.41B |
| Total Investments | 2.82B | 4.26B | 4.82B | 5.55B | 5.69B | 6.08B | 7.32B | 7.55B | 1.41B |
| Investments Growth % | 1.37% | 50.74% | 13.26% | 15.18% | 2.53% | 6.87% | 20.31% | 3.16% | -81.39% |
| Long-Term Investments | 2.24B | 3.44B | 3.63B | 4.11B | 4.24B | 4.91B | 5.98B | 6.39B | 0 |
| Accounts Receivables | 7.67M | 10.86M | 13.28M | 20.68M | 18.88M | 29.82M | 43.92M | 40.65M | 0 |
| Goodwill & Intangibles | 71.32M | 161.6M | 180.25M | 172.63M | 165.56M | 158.89M | 203.48M | 198.1M | 200.52M |
| Goodwill | 54.56M | 128.18M | 148.35M | 148.35M | 148.35M | 148.35M | 181.71M | 181.71M | 200.52M |
| Intangible Assets | 16.76M | 33.42M | 31.9M | 24.28M | 17.2M | 10.53M | 21.77M | 16.39M | 0 |
| PP&E (Net) | 95.22M | 97.68M | 96.14M | 86.73M | 74.19M | 68.15M | 79.1M | 70.3M | 57.99M |
| Other Assets | 48.79M | 62.24M | 70.91M | 68.45M | 168.46M | 246.83M | 266.66M | 269.84M | 0 |
| Total Current Assets | 863.24M | 1.15B | 1.5B | 1.92B | 2B | 1.91B | 2.31B | 2.52B | 1.47B |
| Total Non-Current Assets | 2.5B | 3.8B | 4.02B | 4.47B | 4.7B | 5.45B | 6.58B | 6.98B | 300.29M |
| 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 Payable | 1.31M | 3.48M | 3.68M | 1.48M | 262K | 4.49M | 22.23M | 21.11M | 0 |
| Total Debt | 420.34M | 495.93M | 576.97M | 385.79M | 645.77M | 765.82M | 553.78M | 774.65M | 564.95M |
| Net Debt | 361.99M | 374.07M | 496.24M | 302.37M | 487.84M | 586.47M | 327.64M | 211.51M | 504.76M |
| Long-Term Debt | 389.15M | 461.77M | 527.33M | 343.79M | 600.42M | 736.03M | 487.65M | 731.6M | 564.95M |
| Short-Term Debt | 31.19M | 34.17M | 49.64M | 41.99M | 29.72M | 15.4M | 51.86M | 32.11M | 0 |
| Other Liabilities | 0 | 0 | 0 | 371.91M | 0 | 0 | 138.81M | 150.64M | 3.06B |
| Total Current Liabilities | 2.52B | 3.83B | 4.24B | 4.87B | 5.24B | 5.85B | 7.25B | 7.51B | 4.76B |
| Total Non-Current Liabilities | 389.15M | 461.77M | 527.33M | 715.7M | 616.05M | 750.42M | 640.73M | 893.18M | 3.62B |
| Total Liabilities | 2.91B | 4.29B | 4.77B | 5.59B | 5.86B | 6.6B | 7.89B | 8.41B | 8.38B |
| 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 Share | 16.65 | 19.03 | 19.75 | 21.02 | 21.80 | 20.43 | 24.48 | 24.89 | 27.91 |
| Tangible BV per Share | 14.06 | 14.31 | 15.00 | 16.52 | 17.48 | 16.20 | 19.45 | 20.37 | 23.50 |
| Common Stock | 292K | 361K | 379K | 384K | 387K | 389K | 451K | 455K | 471K |
| Additional Paid-in Capital | 391.59M | 546.85M | 580.97M | 587.16M | 593.75M | 598.3M | 710.49M | 717.76M | 760.7M |
| Retained Earnings | 61.35M | 102.52M | 159.03M | 191.1M | 271.68M | 335.79M | 429.04M | 533.9M | 645.72M |
| Accumulated OCI | -5.09M | -9.5M | -700K | 18.05M | -8.3M | -117.55M | -100.12M | -113.69M | -73.08M |
| Treasury Stock | 0 | 0 | 0 | -1.67M | -31.57M | -51.11M | -49.71M | -46.94M | -65.91M |
| Preferred Stock | 10.44M | 10.44M | 10.44M | 10.44M | 10.44M | 0 | 0 | 0 | 0 |
Byline Bancorp, Inc. (BY) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 26.85M | 79.94M | 29.31M | 109.02M | 74.43M | 220.33M | 166.07M | 175.16M | 140.32M |
| Operating CF Growth % | 533.92% | 197.68% | -63.33% | 271.91% | -31.73% | 196.04% | -24.63% | 5.48% | -19.89% |
| Net Income | 21.7M | 41.19M | 57M | 37.47M | 92.78M | 87.95M | 107.88M | 120.76M | 130.05M |
| Depreciation & Amortization | 8.27M | 5.58M | 6.39M | 6.48M | 5.99M | 4.29M | 4.53M | 5.03M | 4.55M |
| Deferred Taxes | 16.6M | 15.44M | -882K | -9.1M | -60K | 25.56M | 26.58M | -2.55M | 7.76M |
| Other Non-Cash Items | -9.85M | 25.36M | -16.15M | 38.92M | 17.3M | 60.36M | 28.74M | -18.73M | -38.09M |
| Working Capital Changes | -11.37M | -9.16M | -18.72M | 32.67M | -45.61M | 36.84M | -8.37M | 62.76M | 26.76M |
| 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 Investments | 97.65M | 107.59M | 319.86M | 645.61M | 681.88M | 190.6M | 277.75M | 274.91M | 357.51M |
| Net Investment Activity | 44.17M | -98.46M | -230.01M | -332.21M | 36.42M | 86.51M | 92.22M | -77.46M | 174.89M |
| Acquisitions | 0 | 20.37M | 4.31M | 0 | 0 | 0 | 7.83M | 0 | 61.83M |
| Other Investing | -103.26M | -288.74M | -20.59M | -550.23M | -270.23M | -902.74M | -432.44M | -249.47M | -456.32M |
| Cash from Financing | 46.6M | 352.98M | 180.13M | 780.01M | 236.13M | 620.95M | 216.96M | 492.76M | -330.77M |
| Dividends Paid | -11.28M | -783K | -783K | -6.49M | -12.05M | -13.6M | -14.59M | -15.85M | -18.16M |
| Share Repurchases | -15.01M | 0 | 0 | -1.67M | -28.87M | -17.27M | 0 | 0 | -23.73M |
| Stock Issued | 76.83M | 2.54M | 3.73M | 3.63M | 2.14M | 1.51M | 1.79M | 4.52M | 1.9M |
| Net Stock Activity | 61.82M | 2.54M | 3.73M | 1.96M | -26.73M | -15.77M | 1.79M | 4.52M | -21.83M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | -1000K |
| Other Financing | -32.35M | 290.25M | 123.14M | 596.89M | 390.82M | 525.75M | 540.17M | 272M | -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 Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 46.53M | 58.35M | 121.86M | 80.74M | 83.42M | 157.93M | 179.35M | 226.14M | 563.14M |
| Cash at End | 58.35M | 121.86M | 80.74M | 83.42M | 157.93M | 179.35M | 226.14M | 563.14M | 149.09M |
| Interest Paid | 15.28M | 25.97M | 48.01M | 25.85M | 13.05M | 31.18M | 128.64M | 217.41M | 196.96M |
| Income Taxes Paid | 2.85M | 3.51M | 19.38M | 14.44M | 34.82M | 28.65M | 12.24M | 12.5M | 36.18M |
| 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% |
Byline Bancorp, Inc. (BY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 2.75% | 3.65% | 3.61% | 3.92% | 3.36% | 3.53% | 3.6% | 3.72% | 3.66% | 3.99% |
| Efficiency Ratio | 80.44% | 63.09% | 59% | 52.99% | 54.82% | 56.44% | 50.96% | 38.74% | 34.67% | 37.06% |
| Equity / Assets | 11.61% | 13.62% | 13.16% | 13.58% | 12.6% | 12.49% | 10.4% | 11.15% | 11.49% | 13.14% |
| Book Value / Share | 15.24 | 16.65 | 19.03 | 19.75 | 21.02 | 21.8 | 20.43 | 24.48 | 24.89 | 27.91 |
| NII Growth | 18.25% | 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% |
Byline Bancorp, Inc. (BY) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 23, 2026·SEC
Jan 22, 2026·SEC
Dec 11, 2025·SEC
Byline Bancorp, Inc. (BY) stock FAQ — growth, dividends, profitability & financials explained
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).
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.
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.
Byline Bancorp, Inc. (BY) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates