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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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.06

Total sells 24.47

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	1	1	1	—	1	—	—	2	—	—
Sell	—	—	—	1	—	—	—	—	—	4	—	—

Insider Ownership 27.35%

Capital & Financial Ratios $m

Market Cap 1,670.00

Revenue 639.80

Net Income 149.48

Free Cash Flow 157.09

Net Debt (193.56)

Current Ratio 0.91

Debt/Equity 0.00

P/E ratio 11.20

Fwd P/E 10.40

P/S ratio 2.60

P/B ratio 1.27

Past 5Y EPS Growth 24.66%

This Y EPS Growth 13.06%

Next Y EPS Growth 3.59%

Next Y revenue growth (26.43%)

Next 5Y EPS Growth 8.01%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 53.02%

10-year low 10-year high

P/S against its own 10 years 65.00%

10-year low 10-year high

P/B against its own 10 years 88.66%

10-year low 10-year high

Dividends

Payout Ratio 0.15

Annual Dividend Rate 0.48

Annual Dividend Yield 1.29%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.50	0.12 0.12 0.14
2025	0.40	0.10 0.10 0.10 0.10
2024	0.36	0.09 0.09 0.09 0.09
2023	0.36	0.09 0.09 0.09 0.09
2022	0.36	0.09 0.09 0.09 0.09
2021	0.30	0.06 0.06 0.09 0.09
2020	0.12	0.03 0.03 0.03 0.03
2019	0.03	0.03
2018	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

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%

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.

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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	19.02	15.39	16.45	8.13	14.59	20.15	16.40	19.70	22.63	Analyst estimates 2026–2028 Powerpack
	High	—	23.65	24.80	20.58	20.73	28.49	29.15	26.00	32.89	31.24
People
People	Employees	791	844	943	1,001	931	970	977	1,055	1,027	1,027
	Revenue/emp, $m	0.16	0.22	0.27	0.32	0.32	0.33	0.37	0.51	0.61	0.62
Income, $m
Income, $m	Revenue	124	186	257	320	301	323	359	536	625	633
	Gross margin, %	93.77	92.53	88.95	84.85	91.95	96.12	89.90	72.22	65.13	70.49
	EBT	5	41	55	77	52	124	115	146	161	173
	EBT margin, %	4.41	21.95	21.61	24.13	17.15	38.43	31.96	27.19	25.78	27.36
	Net income	67	22	41	57	37	93	88	108	121	130
	Depreciation	13	4	(6)	(6)	10	20	11	(2)	(2)	(5)
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
	Earnings	3.31	0.39	1.21	1.51	0.96	2.45	2.37	2.69	2.78	2.90
	Cash flow	0.21	1.00	2.40	0.79	2.87	1.98	5.96	4.15	4.03	3.13
	Capex	(0.11)	0.11	0.10	(0.08)	(0.06)	0.19	(0.01)	(0.03)	0.06	(0.04)
	Free cash flow	0.10	1.10	2.50	0.71	2.80	2.17	5.95	4.11	4.09	3.09
	Book value	19.00	17.01	19.54	20.12	21.18	22.24	20.71	24.73	25.12	28.30
	Shares, m	20	27	33	37	38	38	37	40	43	45
Valuation, ×
Valuation, ×	P/E	66.77	61.47	14.24	13.05	15.93	11.12	9.39	8.71	10.47	10.05
	P/S	3.36	3.32	2.16	2.28	1.95	3.18	2.34	1.76	2.02	2.06
	P/B	1.13	1.38	0.87	0.99	0.74	1.25	1.10	0.95	1.15	1.03
	EV/Sales	4.32	4.95	3.34	3.56	2.45	4.21	3.58	1.98	2.05	2.36
	EV/FCF	113.18	30.97	10.31	43.11	6.93	16.69	5.85	6.43	7.22	10.81
Cash, $m
Cash, $m	Operating cash flow	4	27	80	29	109	74	220	166	175	140
	Capex	(2)	3	3	(3)	(2)	7	0	(1)	3	(2)
	Free cash flow	2	30	83	26	107	82	220	165	178	138
Balance, $m
Balance, $m	Working capital	(385)	(174)	(233)	(379)	(452)	(618)	(350)	(628)	(353)	(400)
	Total debt	314	362	425	490	234	490	625	343	587	340
	Net debt	267	303	303	409	151	332	446	117	24	191
	Shareholders’ equity	383	459	651	750	805	836	766	990	1,091	1,268
Returns, %
Returns, %	ROA	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
	ROE	16.57	2.59	7.43	8.15	4.78	11.35	11.03	12.29	11.60	11.02

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
DCOM Dime Community Bancshares, Inc.	$1.7B	14.0×	11.2×	+4.11% (above 0%: growing)	+17.19% (above 0%: growing)	+159.40% (above 0%: growing)	67.80%	0.00%	Compare
HOPE Hope Bancorp, Inc.	$1.7B	13.4×	11.8×	+17.99% (above 0%: growing)	n/m	+727.66% (above 0%: growing)	57.96%	0.00%	Compare
STBA S&T Bancorp, Inc.	$1.7B	12.9×	12.2×	+0.36% (above 0%: growing)	+22.89% (above 0%: growing)	−0.50% (below 0%: shrinking)	73.64%	0.00%	Compare
HAPN Happen Inc.	$1.7B	8.5×	9.8×	+6.49% (above 0%: growing)	+51.52% (above 0%: growing)	+25.25% (above 0%: growing)	74.51%	0.00%	Compare
BY Byline Bancorp, Inc.	$1.7B	11.2×	10.4×	+1.37% (above 0%: growing)	+36.36% (above 0%: growing)	−32.50% (below 0%: shrinking)	73.03%	0.00%
FSUN FirstSun Capital Bancorp	$1.7B	19.0×	15.3×	+88.18% (above 0%: growing)	n/m	+8,383.96% (above 0%: growing)	67.96%	0.00%	Compare
NBHC National Bank Holdings Corporation	$1.7B	15.9×	13.3×	+22.58% (above 0%: growing)	−34.83% (below 0%: shrinking)	+394.28% (above 0%: growing)	71.00%	0.00%	Compare
TCBK TriCo Bancshares	$1.7B	12.4×	12.0×	+4.33% (above 0%: growing)	+27.38% (above 0%: growing)	−17.30% (below 0%: shrinking)	80.35%	0.00%	Compare
BFC Bank First National Corporation	$1.6B	19.2×	15.0×	+44.08% (above 0%: growing)	+29.24% (above 0%: growing)	+152.03% (above 0%: growing)	75.87%	0.00%	Compare
Median of peers	$1.7B	13.7×	12.1×	+12.24%	+25.13%	+155.72%	72.32%	0.00%

All 323 Banks Regional stocks →

Byline Bancorp, Inc. (BY) key facts

Strength: Byline Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $633.1 million, up 1.34% from fiscal 2024.
Byline Bancorp, Inc. (BY) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, BY traded at $37.28, a market capitalization of $1.7 billion.
Byline Bancorp, Inc. pays an annual dividend of $0.48 per share, a yield of 1.29%, with a payout ratio of 14.5%.
Return on equity was 11.0% and debt-to-equity 0.00.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.