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. 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%
Market cap
$1.7B
P/E
11.2×
Fwd P/E
10.4×
Dividend yield
1.29%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18 Dec '17 Dec '16
Piotroski F-Score
6 5 6 6 5 5 4 7 — —
P/E ratio
10.05 10.47 8.71 9.39 11.12 15.93 13.05 14.24 61.47 66.77
P/S ratio
2.06 2.02 1.76 2.34 3.18 1.95 2.28 2.16 3.32 3.36
P/FCF ratio
9.43 7.09 5.72 3.82 12.62 5.51 27.62 6.67 20.76 88.24
P/Operating CF
22.27 23.83 (189.66) 24.22 36.32 5.54 42.56 31.21 43.86 20.82
P/B ratio
1.03 1.15 0.95 1.10 1.25 0.74 0.99 0.87 1.38 1.13
Price to Tangible BV
1.25 1.44 1.23 1.43 1.62 0.98 1.35 1.21 1.73 1.43
EV/Sales
2.36 2.05 1.98 3.58 4.21 2.45 3.56 3.34 4.95 4.32
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
10.67 7.33 6.38 5.84 18.28 6.77 38.86 10.73 34.24 133.67
EV/FCF
10.81 7.22 6.43 5.85 16.69 6.93 43.11 10.31 30.97 113.18
Quick Ratio
0.02 0.07 0.03 0.03 0.03 0.02 0.02 0.03 0.02 0.02
Current Ratio
0.95 0.95 0.92 0.94 0.88 0.91 0.91 0.94 0.93 0.85
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
3.52% 6.18% 3.87% 8.49% 7.32% 3.66% 8.87% 8.60% 10.74% 9.52%
Debt/Equity
0.27 0.54 0.35 0.82 0.59 0.29 0.65 0.65 0.79 0.82
Asset Turnover
0.07 0.07 0.07 0.05 0.05 0.05 0.06 0.06 0.06 0.08
Operating CF/Net income
1.08 1.45 1.54 2.51 0.81 2.97 0.52 1.98 2.58 0.06
Capex/Depreciation
0.35 (1.24) 0.58 (0.03) 0.36 (0.25) 0.47 (0.55) 0.71 (0.17)
ROE
11.02% 11.60% 12.29% 11.03% 11.35% 4.78% 8.15% 7.43% 2.59% 16.57%
ROA
1.36% 1.31% 1.33% 1.25% 1.41% 0.62% 1.07% 0.97% 0.31% 4.05%
ROIC
7.42% 9.03% 8.22% 5.92% 6.64% 3.38% 4.17% 3.63% 3.35% 0.53%
Return on Tangible Assets
(38.08%) (41.32%) (19.21%) (29.95%) (16.55%) (10.04%) (19.87%) (29.95%) (13.19%) (23.59%)
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
42.24% 38.48% 43.91% 56.09% 55.50% 72.27% 58.31% 65.14% 68.92% 86.94%
Intangible Assets out of Total Assets
0.02 0.02 0.03 0.02 0.03 0.03 0.04 0.04 0.03 0.03
Share Based Compensation of Revenue
1.47% 1.26% 1.25% 1.49% 1.24% 0.86% 0.52% 0.59% 0.81% 0.72%
Graham Net Nets
(0.46) (0.75) (1.05) (1.18) (1.09) (1.80) (1.19) (1.19) (0.87) (1.18)
Graham Number
42.97 39.57 38.76 33.58 34.86 21.36 25.87 22.50 11.79 0.00
Earnings Yield
9.95% 9.55% 11.48% 10.65% 8.99% 6.28% 7.66% 7.02% 1.63% 1.50%
Free Cash Flow Yield
10.60% 14.11% 17.49% 26.18% 7.93% 18.14% 3.62% 15.00% 4.82% 1.13%
Revenue per Share
14.13 14.38 13.38 9.71 8.59 7.92 8.59 7.71 6.89 6.17
Operating CF per Share
3.13 4.03 4.15 5.96 1.98 2.87 0.79 2.40 1.00 0.21
Capex per Share
(0.04) 0.06 (0.03) (0.01) 0.19 (0.06) (0.08) 0.10 0.11 (0.11)
Free Cash Flow per Share
3.09 4.09 4.11 5.95 2.17 2.80 0.71 2.50 1.10 0.10
Cash per Share
3.33 12.96 5.65 4.85 4.20 2.19 2.17 3.66 2.16 2.31
Shareholders Equity per Share
28.30 25.12 24.73 20.71 22.24 21.18 20.12 19.54 17.01 19.00
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
28.30 25.12 24.73 20.71 22.24 21.18 20.12 19.54 17.01 19.00
Free Cash Flow
138.47 177.84 164.74 220.01 81.53 106.57 26.42 83.21 29.69 2.01
Working Capital
(399.55) (352.72) (628.25) (349.84) (618.43) (452.07) (379.07) (232.59) (174.20) (384.99)
Capital Expenditures
(1.85) 2.68 (1.32) (0.33) 7.10 (2.45) (2.89) 3.28 2.84 (2.23)
Net Current Asset Value
(749.40) (950.34) (985.86) (989.23) (1,124.06) (1,057.98) (869.07) (657.59) (535.71) (698.71)
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
0.00 0.00 0.00 0.00 (0.02) 0.01 0.01 (0.01) (0.02) 0.02
Price to Operating Income
7.54 7.82 6.47 7.33 8.28 11.37 9.44 10.00 15.11 19.37
Other line items
Depreciation/Fixed assets
(0.09) (0.04) (0.03) 0.20 0.31 0.11 (0.06) (0.06) 0.04 0.13
Cash ROIC
7.88% 7.93% 10.56% 14.01% 5.49% 9.49% 2.00% 6.95% 3.38% 0.27%
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
0.02 0.03 0.02 0.01 0.00 0.01 0.01 0.01 0.01 0.00
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
14,937.05 12,494.78 17,598.13 57,377.22 150,059.19 71,519.52 31,195.07 48,286.15 64,200.93 117,334.94
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
7,553.04 7,317.81 6,436.06 5,425.08 4,953.54 4,449.80 3,948.75 3,096.62 2,466.86 2,466.86
Average Assets
9,574.60 9,189.25 8,122.45 7,029.56 6,543.41 5,956.23 5,232.19 4,154.35 3,330.98 1,647.92
Average Common Equity
1,179.70 1,040.82 877.98 795.88 810.48 767.35 689.96 544.19 402.68 402.61

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