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Saturday 17 October 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. 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
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% (at or above 15%: strong)
This Y EPS Growth 13.06%
Next Y EPS Growth 3.59%
Next Y revenue growth (26.43%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Byline Bancorp, Inc. (BY) Latest News

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