Saturday 17 October 2026
Export BY’s income statement to Excel — free account
Byline Bancorp, Inc.
Byline Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $633.1 million, up 1.34% from fiscal 2024. In the quarter to June 2026, revenue grew 1.37%, EPS grew 36.4% and free cash flow fell 32.5%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.
37.28
0.38
+1.03%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | 7 | 4 | 5 | 5 | 6 | 6 | 5 | 6 |
P/E ratio |
66.77 | 61.47 | 14.24 | 13.05 | 15.93 | 11.12 | 9.39 | 8.71 | 10.47 | 10.05 |
P/S ratio |
3.36 | 3.32 | 2.16 | 2.28 | 1.95 | 3.18 | 2.34 | 1.76 | 2.02 | 2.06 |
P/FCF ratio |
88.24 | 20.76 | 6.67 | 27.62 | 5.51 | 12.62 | 3.82 | 5.72 | 7.09 | 9.43 |
P/Operating CF |
20.82 | 43.86 | 31.21 | 42.56 | 5.54 | 36.32 | 24.22 | (189.66) | 23.83 | 22.27 |
P/B ratio |
1.13 | 1.38 | 0.87 | 0.99 | 0.74 | 1.25 | 1.10 | 0.95 | 1.15 | 1.03 |
Price to Tangible BV |
1.43 | 1.73 | 1.21 | 1.35 | 0.98 | 1.62 | 1.43 | 1.23 | 1.44 | 1.25 |
EV/Sales |
4.32 | 4.95 | 3.34 | 3.56 | 2.45 | 4.21 | 3.58 | 1.98 | 2.05 | 2.36 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
133.67 | 34.24 | 10.73 | 38.86 | 6.77 | 18.28 | 5.84 | 6.38 | 7.33 | 10.67 |
EV/FCF |
113.18 | 30.97 | 10.31 | 43.11 | 6.93 | 16.69 | 5.85 | 6.43 | 7.22 | 10.81 |
Quick Ratio |
0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.07 | 0.02 |
Current Ratio |
0.85 | 0.93 | 0.94 | 0.91 | 0.91 | 0.88 | 0.94 | 0.92 | 0.95 | 0.95 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
9.52% | 10.74% | 8.60% | 8.87% | 3.66% | 7.32% | 8.49% | 3.87% | 6.18% | 3.52% |
Debt/Equity |
0.82 | 0.79 | 0.65 | 0.65 | 0.29 | 0.59 | 0.82 | 0.35 | 0.54 | 0.27 |
Asset Turnover |
0.08 | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.07 | 0.07 | 0.07 |
Operating CF/Net income |
0.06 | 2.58 | 1.98 | 0.52 | 2.97 | 0.81 | 2.51 | 1.54 | 1.45 | 1.08 |
Capex/Depreciation |
(0.17) | 0.71 | (0.55) | 0.47 | (0.25) | 0.36 | (0.03) | 0.58 | (1.24) | 0.35 |
| 16.57% | 2.59% | 7.43% | 8.15% | 4.78% | 11.35% | 11.03% | 12.29% | 11.60% | 11.02% | |
| 4.05% | 0.31% | 0.97% | 1.07% | 0.62% | 1.41% | 1.25% | 1.33% | 1.31% | 1.36% | |
ROIC |
0.53% | 3.35% | 3.63% | 4.17% | 3.38% | 6.64% | 5.92% | 8.22% | 9.03% | 7.42% |
Return on Tangible Assets |
(23.59%) | (13.19%) | (29.95%) | (19.87%) | (10.04%) | (16.55%) | (29.95%) | (19.21%) | (41.32%) | (38.08%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
86.94% | 68.92% | 65.14% | 58.31% | 72.27% | 55.50% | 56.09% | 43.91% | 38.48% | 42.24% |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 | 0.02 | 0.03 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.72% | 0.81% | 0.59% | 0.52% | 0.86% | 1.24% | 1.49% | 1.25% | 1.26% | 1.47% |
Graham Net Nets |
(1.18) | (0.87) | (1.19) | (1.19) | (1.80) | (1.09) | (1.18) | (1.05) | (0.75) | (0.46) |
Graham Number |
0.00 | 11.79 | 22.50 | 25.87 | 21.36 | 34.86 | 33.58 | 38.76 | 39.57 | 42.97 |
Earnings Yield |
1.50% | 1.63% | 7.02% | 7.66% | 6.28% | 8.99% | 10.65% | 11.48% | 9.55% | 9.95% |
Free Cash Flow Yield |
1.13% | 4.82% | 15.00% | 3.62% | 18.14% | 7.93% | 26.18% | 17.49% | 14.11% | 10.60% |
Revenue per Share |
6.17 | 6.89 | 7.71 | 8.59 | 7.92 | 8.59 | 9.71 | 13.38 | 14.38 | 14.13 |
Operating CF per Share |
0.21 | 1.00 | 2.40 | 0.79 | 2.87 | 1.98 | 5.96 | 4.15 | 4.03 | 3.13 |
Capex per Share |
(0.11) | 0.11 | 0.10 | (0.08) | (0.06) | 0.19 | (0.01) | (0.03) | 0.06 | (0.04) |
Free Cash Flow per Share |
0.10 | 1.10 | 2.50 | 0.71 | 2.80 | 2.17 | 5.95 | 4.11 | 4.09 | 3.09 |
Cash per Share |
2.31 | 2.16 | 3.66 | 2.17 | 2.19 | 4.20 | 4.85 | 5.65 | 12.96 | 3.33 |
Shareholders Equity per Share |
19.00 | 17.01 | 19.54 | 20.12 | 21.18 | 22.24 | 20.71 | 24.73 | 25.12 | 28.30 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
19.00 | 17.01 | 19.54 | 20.12 | 21.18 | 22.24 | 20.71 | 24.73 | 25.12 | 28.30 |
Free Cash Flow |
2.01 | 29.69 | 83.21 | 26.42 | 106.57 | 81.53 | 220.01 | 164.74 | 177.84 | 138.47 |
Working Capital |
(384.99) | (174.20) | (232.59) | (379.07) | (452.07) | (618.43) | (349.84) | (628.25) | (352.72) | (399.55) |
Capital Expenditures |
(2.23) | 2.84 | 3.28 | (2.89) | (2.45) | 7.10 | (0.33) | (1.32) | 2.68 | (1.85) |
Net Current Asset Value |
(698.71) | (535.71) | (657.59) | (869.07) | (1,057.98) | (1,124.06) | (989.23) | (985.86) | (950.34) | (749.40) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | (0.02) | (0.01) | 0.01 | 0.01 | (0.02) | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
19.37 | 15.11 | 10.00 | 9.44 | 11.37 | 8.28 | 7.33 | 6.47 | 7.82 | 7.54 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.13 | 0.04 | (0.06) | (0.06) | 0.11 | 0.31 | 0.20 | (0.03) | (0.04) | (0.09) |
Cash ROIC |
0.27% | 3.38% | 6.95% | 2.00% | 9.49% | 5.49% | 14.01% | 10.56% | 7.93% | 7.88% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
117,334.94 | 64,200.93 | 48,286.15 | 31,195.07 | 71,519.52 | 150,059.19 | 57,377.22 | 17,598.13 | 12,494.78 | 14,937.05 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
2,466.86 | 2,466.86 | 3,096.62 | 3,948.75 | 4,449.80 | 4,953.54 | 5,425.08 | 6,436.06 | 7,317.81 | 7,553.04 |
Average Assets |
1,647.92 | 3,330.98 | 4,154.35 | 5,232.19 | 5,956.23 | 6,543.41 | 7,029.56 | 8,122.45 | 9,189.25 | 9,574.60 |
Average Common Equity |
402.61 | 402.68 | 544.19 | 689.96 | 767.35 | 810.48 | 795.88 | 877.98 | 1,040.82 | 1,179.70 |
Columns are period end dates