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Friday 6 November 2026 Export BY’s income statement to Excel — free account

Byline Bancorp, Inc.

BY Financial Banks Regional

Byline Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $633.1 million, up 1.34% from fiscal 2024.

Revenue
+1.37%
EPS
+36.4%
Free cash flow
−32.5%

Quarter to June 2026, against a year earlier

38.19 0.15 +0.39%
Market cap
$1.7B
P/E
11.5×
Fwd P/E
11.0×
Dividend yield
1.36%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.10
Sold, $m 25.10
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 1 1 1 — 1 — — 2 — 1 —
Sell — — 1 — — — — — 4 — 1 —
Insider Ownership 28.18%

Capital & Financial Ratios $m

Size
Market Cap 1,700.00
Revenue ttm 639.80
Net income ttm 149.48
Free cash flow ttm 157.09
Net debt Q (193.56)
Valuation
P/E 11.48
Forward P/E 11.00
Price / sales 2.66
Forward P/S Powerpack
Price / FCF 10.85
Price / book 1.31
Financial health
Current ratio Q 0.91
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +1.37% (above 0%: growing)
Operating income growth Q +38.90% (above 0%: growing)
EPS, this year +16.83% (at or above 15%: strong)
EPS, next year A +2.57%
Revenue, next year A −25.70% (below 0%: weak)
EPS, past 5 yrs +24.66% (at or above 15%: strong)
EPS, next 5 yrs A +8.39%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 58.02%
10-year low 10-year high
P/S against its own 10 years 68.31%
10-year low 10-year high
P/B against its own 10 years 90.77%
10-year low 10-year high

Dividends raised 2 years running

Yield
1.36%
Annual rate
0.52
Payout ratio
15.7%
Growth, 2019–26
+50.3%/yr
  1. 0.03 ’19
  2. 0.12 ’20 +300
  3. 0.30 ’21 +150
  4. 0.36 ’22 +20
  5. 0.36 ’23 +0
  6. 0.36 ’24 +0
  7. 0.40 ’25 +11
  8. 0.52 ’26 +30
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 226 563 149 194
Receivables — — — —
Inventory — — — —
Other — — — —
6,906 7,455 7,635 7,863
2023 2024 2025 Q'26
Payables 7,177 7,459 7,647 7,871
ST’ Debt — — — —
Other — — — —
7,534 7,807 8,035 8,628

Compound Annual Growth %

10y 5y 3y
Sales 19.79% 16.01% 20.83%
Cash Flow 0.00% 5.18% (13.96%)
Earnings 0.00% 28.80% 14.01%
Book Value 0.00% 9.50% 18.30%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.82 Actual 0.94

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.72 0.76 Beat by 0.04
Q1 FY26 0.74 0.83 Beat by 0.09
Q2 FY26 0.79 0.91 Beat by 0.12
Q3 FY26 0.82 0.94 Beat by 0.12
Q4 FY26 0.83 — Reports 28 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.83 0.90 — — —
’25 0.64 0.66 0.82 0.76 2.89
’24 0.70 0.68 0.69 0.69 2.75
’23 0.64 0.70 0.65 0.68 2.67
’22 0.58 0.54 0.61 0.65 2.34
’21 0.56 0.73 0.66 0.45 2.40
’20 0.07 0.24 0.34 0.31 0.96
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 154 161 — — —
’25 150 159 164 160 633
’24 154 154 161 156 625
’23 115 122 149 150 536
’22 81 81 92 105 359
’21 76 82 81 84 323
’20 72 71 80 78 301
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 55 14 — — —
’25 28 17 37 59 140
’24 62 40 20 53 175
’23 49 43 79 (5) 166
’22 93 60 33 35 220
’21 15 53 (22) 28 74
’20 26 17 (40) 106 109
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 54 20 — — —
’25 26 30 37 46 138
’24 63 40 20 55 178
’23 49 42 79 (5) 165
’22 92 61 33 35 220
’21 16 54 (20) 32 82
’20 24 16 (41) 108 107
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 124 186 257 320 301 323 359 536 625 633 640 +19.8% 470 510 532 (5.7%)
Gross margin, % 93.77 92.53 88.95 84.85 91.95 96.12 89.90 72.22 65.13 70.49 72.34 (23.3) pt
EBT 5 41 55 77 52 124 115 146 161 173 201 +46.8%
EBT margin, % 4.41 21.95 21.61 24.13 17.15 38.43 31.96 27.19 25.78 27.36 31.35 +23.0 pt
Net income 67 22 41 57 37 93 88 108 121 130 149 +7.7%
Per share, $
Per share, $ Revenue 6.17 6.89 7.71 8.59 7.92 8.59 9.71 13.38 14.38 14.13 14.35 +9.6%
Earnings 3.31 0.39 1.21 1.51 0.96 2.45 2.37 2.69 2.78 2.90 3.33 (1.5%)
Cash flow 0.21 1.00 2.40 0.79 2.87 1.98 5.96 4.15 4.03 3.13 3.69 +35.0%
Capex (0.11) 0.11 0.10 (0.08) (0.06) 0.19 (0.01) (0.03) 0.06 (0.04) (0.17) (10.4%)
Free cash flow 0.10 1.10 2.50 0.71 2.80 2.17 5.95 4.11 4.09 3.09 3.52 +46.4%
Book value 19.00 17.01 19.54 20.12 21.18 22.24 20.71 24.73 25.12 28.30 29.24 +4.5%
Shares, m 20 27 33 37 38 38 37 40 43 45 45 +9.3%
Valuation, ×
Valuation, × P/E 66.77 61.47 14.24 13.05 15.93 11.12 9.39 8.71 10.47 10.05 11.48 22.1
P/S 3.36 3.32 2.16 2.28 1.95 3.18 2.34 1.76 2.02 2.06 2.66 2.4
P/B 1.13 1.38 0.87 0.99 0.74 1.25 1.10 0.95 1.15 1.03 1.31 1.1
EV/Sales 4.32 4.95 3.34 3.56 2.45 4.21 3.58 1.98 2.05 2.36 — 3.3
EV/FCF 113.18 30.97 10.31 43.11 6.93 16.69 5.85 6.43 7.22 10.81 — 25.1
Cash, $m
Cash, $m Operating cash flow 4 27 80 29 109 74 220 166 175 140 165 +47.5%
Capex (2) 3 3 (3) (2) 7 0 (1) 3 (2) (8) (2.0%)
Free cash flow 2 30 83 26 107 82 220 165 178 138 157 +60.0%
Balance, $m
Balance, $m Working capital (385) (174) (233) (379) (452) (618) (350) (628) (353) (400) (765) +0.4%
Net debt 267 303 303 409 151 332 446 117 24 191 (194) (3.7%)
Shareholders’ equity 383 459 651 750 805 836 766 990 1,091 1,268 1,304 +14.2%
Returns, %
Returns, % ROA 4.05 0.31 0.97 1.07 0.62 1.41 1.25 1.33 1.31 1.36 1.52 (2.7) pt
ROIC 0.53 3.35 3.63 4.17 3.38 6.64 5.92 8.22 9.03 7.42 11.29 +6.9 pt
ROE 16.57 2.59 7.43 8.15 4.78 11.35 11.03 12.29 11.60 11.02 11.97 (5.5) pt
People
People Employees 791 844 943 1,001 931 970 977 1,055 1,027 1,027 — +2.9%
Revenue/emp, $m 0.16 0.22 0.27 0.32 0.32 0.33 0.37 0.51 0.61 0.62 — +16.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Byline Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BLX Bladex Inc. $2.3B 8.1× 7.6× +12.12% (above 0%: growing) +13.49% (above 0%: growing) −117.11% (below 0%: shrinking) 42.29% 0.00% Compare
BY Byline Bancorp, Inc. $1.7B 11.5× 11.0× +1.37% (above 0%: growing) +36.36% (above 0%: growing) −32.50% (below 0%: shrinking) 73.03% 0.00%
TCBK TriCo Bancshares $1.7B 12.5× 11.9× +4.33% (above 0%: growing) +27.38% (above 0%: growing) −17.30% (below 0%: shrinking) 80.35% 0.00% Compare
OBK Origin Bancorp, Inc. $1.7B 16.8× 12.3× +11.11% (above 0%: growing) +134.04% (above 0%: growing) +57.26% (above 0%: growing) 71.20% 0.00% Compare
HOPE Hope Bancorp, Inc. $1.7B 13.1× 13.1× +2.73% (above 0%: growing) +218.18% (above 0%: growing) +727.66% (above 0%: growing) 58.92% 0.00% Compare
INTR Inter & Co. Inc. $1.7B 5.8× 5.2× +45.51% (above 0%: growing) +46.15% (above 0%: growing) −253.49% (below 0%: shrinking) 59.27% 0.00% Compare
QCRH QCR Holdings, Inc. $1.7B 11.9× 11.6× +5.68% (above 0%: growing) +28.65% (above 0%: growing) +1,791.78% (above 0%: growing) 64.70% 0.00% Compare
NBHC National Bank Holdings Corporation $1.6B 29.6× 20.5× +18.27% (above 0%: growing) n/m +33.48% (above 0%: growing) 69.90% 0.00% Compare
CNOB ConnectOne Bancorp, Inc. $1.6B 11.3× 10.8× −10.37% (below 0%: shrinking) −24.36% (below 0%: shrinking) +162.97% (above 0%: growing) 55.38% 0.00% Compare
Median of peers $1.7B 12.2× 11.8× +8.40% +28.65% +45.37% 61.99% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 20 April 2026

Ownership

Directors and executive officers, together 29.09%
MBG Investors I, L.P. 26.15%
Antonio del Valle Perochena 26.15%
Dimensional Fund Advisors LP 5.11%
BlackRock, Inc. 5.06%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Byline Bancorp, Inc. (BY) Latest News

4 Nov

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stockrow.com/BY · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com