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Byline Bancorp (BY) Financials

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$25.61 +0.26 (+1.03%)
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Annual Income Statements for Byline Bancorp

Annual Income Statements for Byline Bancorp

This table shows Byline Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders		 -15 67 10 40 56 37 92 88 108 121
Consolidated Net Income / (Loss)		 -15 67 22 41 57 37 93 88 108 121
Net Income / (Loss) Continuing Operations		 -15 67 22 34 57 37 93 88 108 121
Total Pre-Tax Income 		-15 5.48 41 55 77 52 124 115 146 161
Total Revenue		 97 117 172 221 272 277 311 323 387 407
Net Interest Income / (Expense)		 77 91 123 179 216 215 236 265 331 348
Total Interest Income		 83 98 137 207 265 239 249 302 479 566
Loans and Leases Interest Income		 70 83 120 185 236 209 223 273 441 502
Investment Securities Interest Income		 13 15 16 20 27 29 24 25 31 43
Other Interest Income		 0.19 0.39 0.87 1.85 2.29 1.57 2.33 2.76 7.69 20
Total Interest Expense		 6.63 7.75 14 28 49 24 13 36 149 218
Deposits Interest Expense		 4.31 4.58 7.74 19 36 17 4.50 20 121 192
Long-Term Debt Interest Expense		 2.30 2.46 2.86 9.02 12 7.63 8.04 16 27 26
Total Non-Interest Income		 21 26 49 50 56 62 74 57 56 59
Trust Fees by Commissions		 - - 0.00 1.55 2.58 2.68 3.07 3.81 4.16 4.31
Other Service Charges		 15 18 16 8.87 19 8.68 11 34 33 36
Net Realized & Unrealized Capital Gains on Investments		 6.22 7.55 33 32 34 39 48 20 19 18
Provision for Credit Losses		 6.97 10 13 19 21 57 0.97 24 32 27
Total Non-Interest Expense		 105 101 118 154 174 169 185 184 210 219
Salaries and Employee Benefits		 46 51 67 80 95 90 101 118 127 140
Net Occupancy & Equipment Expense		 25 25 26 36 34 34 32 30 38 36
Marketing Expense		 1.57 0.62 1.04 1.72 3.40 1.29 1.80 2.83 3.80 4.98
Property & Liability Insurance Claims		 7.09 5.86 7.03 11 11 8.14 10 10 13 13
Other Operating Expenses		 22 14 14 18 21 21 19 15 20 19
Amortization Expense		 2.98 3.00 3.07 5.63 7.74 7.62 7.07 6.67 6.01 5.38
Impairment Charge		 - - - - 0.57 4.77 12 0.37 2.00 0.00
Income Tax Expense		 0.31 -61 19 14 20 14 31 27 38 40
Preferred Stock Dividends Declared		 - - 11 0.78 0.78 0.78 0.78 0.20 0.00 0.00
Basic Earnings per Share		 ($0.86) $3.31 $0.39 $1.21 $1.51 $0.96 $2.45 $2.37 $2.69 $2.78
Weighted Average Basic Shares Outstanding		 - 20.20M 26.70M 36.37M 38.44M 38.75M 37.83M 37.72M 44.38M 44.68M
Diluted Earnings per Share		 ($0.86) $3.27 $0.38 $1.18 $1.48 $0.96 $2.40 $2.34 $2.67 $2.75
Weighted Average Diluted Shares Outstanding		 - 20.20M 26.70M 36.37M 38.44M 38.75M 37.83M 37.72M 44.38M 44.68M
Weighted Average Basic & Diluted Shares Outstanding		 - 20.20M 26.70M 36.37M 38.44M 38.75M 37.83M 37.72M 44.38M 44.68M
Cash Dividends to Common per Share		 - - - - - $0.12 $0.30 $0.36 $0.36 $0.36

Quarterly Income Statements for Byline Bancorp

This table shows Byline Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders		 23 23 24 26 28 30 30 30 30 30
Consolidated Net Income / (Loss)		 23 23 24 26 28 30 30 30 30 30
Net Income / (Loss) Continuing Operations		 23 23 24 26 28 30 30 30 30 30
Total Pre-Tax Income 		31 29 32 35 38 40 41 40 40 40
Total Revenue		 81 88 91 90 105 101 101 99 102 105
Net Interest Income / (Expense)		 69 76 76 76 92 86 86 87 87 89
Total Interest Income		 80 93 100 107 137 136 138 142 146 140
Loans and Leases Interest Income		 73 85 92 99 125 124 124 127 128 124
Investment Securities Interest Income		 6.40 6.57 6.60 6.56 8.42 9.23 9.73 11 11 12
Other Interest Income		 0.68 1.24 1.06 1.58 2.71 2.35 4.80 4.53 6.84 4.19
Total Interest Expense		 11 17 24 31 44 49 53 55 59 51
Deposits Interest Expense		 5.97 11 16 25 37 43 46 48 52 47
Long-Term Debt Interest Expense		 5.06 6.59 7.99 6.38 6.98 6.08 6.82 7.44 6.91 4.35
Total Non-Interest Income		 12 12 15 14 12 15 15 13 14 16
Trust Fees by Commissions		 1.00 0.86 0.92 1.04 0.94 1.26 1.16 0.94 1.10 1.11
Other Service Charges		 8.34 8.07 8.07 8.22 8.92 8.16 8.39 8.72 7.03 12
Net Realized & Unrealized Capital Gains on Investments		 2.66 2.80 6.15 5.03 2.51 5.09 5.93 3.18 6.25 2.90
Provision for Credit Losses		 4.18 8.80 9.83 5.79 8.80 7.24 6.64 6.05 7.48 6.88
Total Non-Interest Expense		 46 50 49 49 58 54 54 53 54 57
Salaries and Employee Benefits		 30 32 30 30 35 32 34 34 35 37
Net Occupancy & Equipment Expense		 7.29 6.94 8.23 8.68 12 9.33 9.43 8.68 8.59 8.88
Property & Liability Insurance Claims		 2.73 3.20 3.11 3.68 3.81 2.35 2.72 3.71 3.64 3.36
Other Operating Expenses		 4.96 2.83 5.59 5.88 5.78 2.60 6.36 5.57 5.78 1.59
Amortization Expense		 1.61 1.60 1.46 1.46 1.55 1.55 1.35 1.35 1.35 1.35
Income Tax Expense		 7.86 6.75 8.29 9.23 9.91 10 10 10 9.71 10
Basic Earnings per Share		 $0.61 $0.61 $0.65 $0.70 $0.66 $0.68 $0.70 $0.68 $0.70 $0.70
Weighted Average Basic Shares Outstanding		 37.48M 37.72M 37.71M 43.69M 43.72M 44.38M 44.12M 44.26M 44.39M 44.68M
Diluted Earnings per Share		 $0.61 $0.61 $0.64 $0.70 $0.65 $0.68 $0.70 $0.68 $0.69 $0.68
Weighted Average Diluted Shares Outstanding		 37.48M 37.72M 37.71M 43.69M 43.72M 44.38M 44.12M 44.26M 44.39M 44.68M
Weighted Average Basic & Diluted Shares Outstanding		 37.48M 37.72M 37.71M 43.69M 43.72M 44.38M 44.12M 44.26M 44.39M 44.68M

Annual Cash Flow Statements for Byline Bancorp

This table details how cash moves in and out of Byline Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents		 -112 1.65 12 64 -41 2.68 75 21 47 337
Net Cash From Operating Activities		 -43 4.24 27 80 29 109 74 220 166 175
Net Cash From Continuing Operating Activities		 -43 4.24 27 80 29 109 74 220 166 175
Net Income / (Loss) Continuing Operations		 -15 67 22 41 57 37 93 88 108 121
Consolidated Net Income / (Loss)		 -15 67 22 41 57 37 93 88 108 121
Provision For Loan Losses		 6.97 10 13 19 21 57 0.97 24 32 27
Depreciation Expense		 5.80 5.06 5.19 5.58 6.39 6.48 5.99 4.29 4.53 5.03
Amortization Expense		 -32 6.63 -1.92 -12 -13 16 15 6.56 9.05 4.62
Non-Cash Adjustments to Reconcile Net Income		 -0.03 -73 0.91 34 -23 -40 4.79 56 21 -45
Changes in Operating Assets and Liabilities, net		 -9.04 -12 -12 -7.45 -18 33 -46 41 -8.37 63
Net Cash From Investing Activities		 -189 -302 -62 -369 -251 -886 -236 -820 -336 -331
Net Cash From Continuing Investing Activities		 -189 -302 -62 -369 -251 -886 -236 -820 -336 -331
Purchase of Property, Leasehold Improvements and Equipment		 -4.02 -5.95 -2.54 -2.58 -4.27 -3.92 -2.24 -3.63 -3.86 -3.99
Purchase of Investment Securities		 -1,026 -1,074 -206 -508 -576 -1,532 -933 -1,011 -631 -610
Sale of Property, Leasehold Improvements and Equipment		 1.35 3.72 5.37 1.44 0.00 0.03 0.30 0.03 0.00 0.62
Divestitures		 - - - 20 4.31 0.00 0.00 0.00 7.83 0.00
Sale and/or Maturity of Investments		 840 786 141 119 325 649 699 194 291 282
Net Cash From Financing Activities		 121 299 47 353 180 780 236 621 217 493
Net Cash From Continuing Financing Activities		 121 299 47 353 180 780 236 621 217 493
Net Change in Deposits		 81 -51 -46 285 108 605 403 540 515 281
Issuance of Debt		 1,944 6,542 3,037 5,932 8,516 9,542 13,337 22,270 17,730 2,775
Issuance of Common Equity		 - 50 77 2.54 3.73 3.63 2.14 1.51 1.79 4.52
Repayment of Debt		 -1,906 -6,255 -3,010 -5,868 -8,462 -9,804 -13,650 -22,135 -18,041 -2,743
Repurchase of Preferred Equity		 - - -15 - - 0.00 0.00 -10 0.00 0.00
Repurchase of Common Equity		 - - - 0.00 0.00 -1.67 -29 -17 0.00 0.00
Payment of Dividends		 - - -11 -0.78 -0.78 -6.49 -12 -14 -15 -16
Other Financing Activities, Net		 1.93 4.59 14 2.98 15 442 184 -14 25 191
Cash Interest Paid		 10 6.15 15 26 48 26 13 31 129 217
Cash Income Taxes Paid		 - -0.25 2.85 3.51 19 14 35 29 12 12

Quarterly Cash Flow Statements for Byline Bancorp

This table details how cash moves in and out of Byline Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents		 74 -37 105 36 109 -203 411 94 -278 111
Net Cash From Operating Activities		 33 35 49 43 79 -4.97 62 40 20 53
Net Cash From Continuing Operating Activities		 33 35 49 43 79 -4.97 62 40 20 53
Net Income / (Loss) Continuing Operations		 23 23 24 26 28 30 30 30 30 30
Consolidated Net Income / (Loss)		 23 23 24 26 28 30 30 30 30 30
Provision For Loan Losses		 4.18 8.80 9.83 5.79 8.80 7.24 6.64 6.05 7.48 6.88
Depreciation Expense		 1.04 1.01 0.98 0.95 1.26 1.34 1.31 1.28 1.25 1.20
Amortization Expense		 5.48 -2.00 2.36 2.32 -9.22 14 1.19 1.21 -9.69 12
Non-Cash Adjustments to Reconcile Net Income		 -9.83 27 -14 17 9.37 9.02 -54 6.27 24 -22
Changes in Operating Assets and Liabilities, net		 9.22 -23 26 -8.34 40 -66 77 -4.32 -34 24
Net Cash From Investing Activities		 -81 -138 -81 -21 -135 -99 -147 -138 -47 -0.19
Net Cash From Continuing Investing Activities		 -81 -138 -81 -21 -135 -99 -147 -138 -47 -0.19
Purchase of Property, Leasehold Improvements and Equipment		 -0.66 -0.30 -0.28 -1.26 -1.32 -1.01 -0.51 -0.73 -0.65 -2.10
Purchase of Investment Securities		 -125 -169 -106 -53 -343 -128 -209 -230 -92 -78
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 - - - 0.36 0.00 - 0.26
Sale and/or Maturity of Investments		 45 31 26 33 201 30 62 94 47 80
Net Cash From Financing Activities		 122 66 137 14 165 -99 495 191 -251 58
Net Cash From Continuing Financing Activities		 122 66 137 14 165 -99 495 191 -254 61
Net Change in Deposits		 224 83 118 104 71 222 173 -3.30 150 -40
Issuance of Debt		 4,168 5,714 6,100 3,623 5,955 2,052 570 1,130 670 405
Issuance of Common Equity		 - 0.58 - - 0.35 0.84 - - 2.32 1.33
Repayment of Debt		 -4,263 -5,689 -6,100 -3,708 -5,860 -2,372 -438 -932 -872 -502
Payment of Dividends		 -3.32 -3.32 -3.32 -3.33 -4.05 -3.88 -3.89 -4.12 -3.92 -3.93
Other Financing Activities, Net		 0.86 -39 22 -2.89 2.86 2.37 194 -0.77 -201 199
Cash Interest Paid		 8.66 15 19 27 36 46 53 50 65 50
Cash Income Taxes Paid		 13 0.60 0.31 2.72 3.32 5.89 0.41 0.57 2.26 9.27

Annual Balance Sheets for Byline Bancorp

This table presents Byline Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets		 3,296 3,366 4,943 5,522 6,391 6,696 7,363 8,882 9,497
Cash and Due from Banks		 18 19 30 48 41 35 62 60 59
Interest Bearing Deposits at Other Banks		 29 39 92 33 42 123 117 166 504
Trading Account Securities		 771 706 937 1,210 1,468 1,533 1,233 1,370 1,429
Loans and Leases, Net of Allowance		 2,137 2,261 3,476 3,754 4,274 4,482 5,339 6,583 6,809
Loans and Leases		 2,148 2,277 3,502 3,786 4,341 4,537 5,421 6,684 6,907
Allowance for Loan and Lease Losses		 11 17 25 32 66 55 82 102 98
Customer and Other Receivables		 - - - 43 141 12 12 35 39
Premises and Equipment, Net		 102 95 98 96 87 63 57 67 61
Goodwill		 52 55 128 148 148 148 148 182 182
Intangible Assets		 20 17 33 32 24 17 11 22 16
Other Assets		 167 175 148 157 164 282 384 397 398
Total Liabilities & Shareholders' Equity		 3,296 3,366 4,943 5,522 6,391 6,696 7,363 8,882 9,497
Total Liabilities		 2,913 2,908 4,292 4,772 5,585 5,860 6,597 7,892 8,405
Non-Interest Bearing Deposits		 724 761 1,193 1,280 1,763 2,158 2,139 1,906 1,756
Interest Bearing Deposits		 1,766 1,682 2,557 2,868 2,989 2,997 3,556 5,271 5,703
Short-Term Debt		 38 31 34 50 42 30 15 52 32
Accrued Interest Payable		 2.43 1.31 3.48 3.68 1.48 0.26 4.49 22 21
Long-Term Debt		 341 389 462 527 344 600 736 488 732
Other Long-Term Liabilities		 42 43 43 43 446 74 146 153 162
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 383 459 651 750 771 836 766 990 1,091
Total Preferred & Common Equity		 383 459 651 750 805 836 766 990 1,091
Preferred Stock		 25 10 10 10 10 10 0.00 0.00 0.00
Total Common Equity		 357 448 640 740 761 826 766 990 1,091
Common Stock		 314 392 547 581 588 594 599 711 718
Retained Earnings		 51 61 103 159 191 272 336 429 534
Treasury Stock		 - - - 0.00 0.00 -32 -51 -50 -47
Accumulated Other Comprehensive Income / (Loss)		 -7.27 -5.09 -9.50 -0.70 -18 -8.30 -118 -100 -114

Quarterly Balance Sheets for Byline Bancorp

This table presents Byline Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets		 7,278 7,530 7,576 8,943 9,411 9,634 9,424
Cash and Due from Banks		 57 53 60 71 59 68 77
Interest Bearing Deposits at Other Banks		 160 231 261 358 578 662 376
Trading Account Securities		 1,227 1,204 1,172 1,256 1,413 1,410 1,532
Loans and Leases, Net of Allowance		 5,211 5,425 5,478 6,508 6,676 6,791 6,781
Loans and Leases		 5,275 5,515 5,571 6,613 6,778 6,891 6,879
Allowance for Loan and Lease Losses		 65 90 93 106 102 100 99
Premises and Equipment, Net		 59 56 56 67 64 64 63
Intangible Assets		 160 157 156 205 202 201 199
Other Assets		 404 404 393 478 418 438 397
Total Liabilities & Shareholders' Equity		 7,278 7,530 7,576 8,943 9,411 9,634 9,424
Total Liabilities		 6,530 6,735 6,762 8,023 8,401 8,601 8,328
Non-Interest Bearing Deposits		 2,142 1,952 1,794 1,960 1,852 1,763 1,730
Interest Bearing Deposits		 3,470 3,861 4,123 4,994 5,498 5,584 5,768
Short-Term Debt		 654 - 575 713 721 - 519
Accrued Interest Payable		 153 148 158 212 186 190 167
Long-Term Debt		 111 774 111 144 144 1,063 145
Commitments & Contingencies		 - - - 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 748 796 814 920 1,009 1,033 1,096
Total Preferred & Common Equity		 748 796 814 920 1,009 1,033 1,096
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 748 798 814 920 1,009 1,035 1,096
Common Stock		 597 598 600 709 709 711 715
Retained Earnings		 327 356 379 403 456 481 508
Treasury Stock		 -52 -49 -50 -50 -49 -46 -48
Accumulated Other Comprehensive Income / (Loss)		 -125 -108 -115 -142 -107 -111 -79

Annual Metrics and Ratios for Byline Bancorp

This table displays calculated financial ratios and metrics derived from Byline Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.00% 19.55% 47.56% 28.38% 23.15% 1.91% 12.13% 3.86% 19.93% 5.16%
EBITDA Growth		 0.00% 141.83% 156.56% -6.12% 70.47% 5.06% 96.63% -13.84% 26.87% 7.20%
EBIT Growth		 0.00% 137.39% 643.87% 17.64% 61.06% -33.16% 140.41% -7.67% 27.03% 10.57%
NOPAT Growth		 0.00% 749.94% -67.49% 89.87% 38.38% -34.27% 147.64% -5.21% 22.65% 11.94%
Net Income Growth		 0.00% 545.63% -67.49% 89.87% 38.38% -34.27% 147.64% -5.21% 22.65% 11.94%
EPS Growth		 0.00% 480.23% -88.38% 210.53% 25.42% -35.14% 150.00% -2.50% 14.10% 3.00%
Operating Cash Flow Growth		 0.00% 109.74% 533.92% 197.68% -63.33% 271.91% -31.73% 196.04% -24.63% 5.48%
Free Cash Flow Firm Growth		 0.00% 0.00% 86.17% -135.87% 45.48% 240.35% -205.30% 120.41% 156.36% -314.51%
Invested Capital Growth		 0.00% 0.00% 15.47% 30.46% 15.74% -10.24% 23.11% 3.46% 0.82% 21.28%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 7.49% 7.06% -14.03% 18.56% 2.33% 3.47% 0.96%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% -28.76% 25.49% -32.78% 39.00% -3.23% 15.93% -0.83%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 11.75% 19.86% -51.26% 63.44% 6.15% 7.78% 0.25%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 76.75% -2.18% -8.68% 5.57% 6.69% 6.83% 0.60%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 76.75% -2.18% -8.68% 5.57% 6.69% 6.83% 0.60%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 73.53% -5.13% -9.43% 6.19% 7.34% 2.69% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -8.52% 4.87% -2.07% 439.69% -51.06% 2.98% -19.28% 49.32%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 9.98% 166.02% -179.70% -15.07% 158.22% -248.93%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 2.75% 1.20% -26.23% -0.49% 0.32% -13.94% 5.42%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 -42.12% 14.74% 25.63% 18.74% 25.94% 26.74% 46.90% 38.91% 41.16% 41.96%
EBIT Margin		 -15.05% 4.71% 23.73% 21.74% 28.43% 18.65% 39.99% 35.54% 37.65% 39.59%
Profit (Net Income) Margin		 -15.36% 57.27% 12.62% 18.66% 20.97% 13.52% 29.87% 27.26% 27.88% 29.68%
Tax Burden Percent		 102.09% 1,216.79% 53.18% 74.30% 73.75% 72.52% 74.70% 76.69% 74.05% 74.97%
Interest Burden Percent		 100.00% 100.00% 100.00% 115.52% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 0.00% -1,116.79% 46.82% 25.70% 26.25% 27.48% 25.30% 23.31% 25.95% 25.03%
Return on Invested Capital (ROIC)		 0.00% 17.53% 2.65% 4.07% 4.61% 2.98% 6.98% 5.90% 7.08% 7.14%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 17.53% 2.65% 4.07% 4.61% 2.98% 6.98% 5.90% 7.08% 7.14%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 17.34% 2.51% 3.36% 3.53% 1.95% 4.56% 5.08% 5.21% 4.47%
Return on Equity (ROE)		 0.00% 34.88% 5.16% 7.43% 8.14% 4.93% 11.54% 10.98% 12.29% 11.60%
Cash Return on Invested Capital (CROIC)		 0.00% -182.47% -11.71% -22.36% -9.98% 13.76% -13.73% 2.50% 6.27% -12.10%
Operating Return on Assets (OROA)		 0.00% 0.17% 1.22% 1.16% 1.48% 0.87% 1.90% 1.63% 1.79% 1.75%
Return on Assets (ROA)		 0.00% 2.02% 0.65% 0.99% 1.09% 0.63% 1.42% 1.25% 1.33% 1.31%
Return on Common Equity (ROCE)		 0.00% 32.56% 4.94% 7.29% 8.02% 4.86% 11.39% 10.91% 12.29% 11.60%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 17.44% 4.73% 6.33% 7.60% 4.65% 11.09% 11.49% 10.90% 11.06%
Net Operating Profit after Tax (NOPAT)		 -10 67 22 41 57 37 93 88 108 121
NOPAT Margin		 -10.53% 57.27% 12.62% 18.66% 20.97% 13.52% 29.87% 27.26% 27.88% 29.68%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 74.81% 64.99% 54.90% 53.73% 48.64% 45.08% 43.59% 46.87% 43.62% 44.40%
Operating Expenses to Revenue		 107.90% 86.41% 68.92% 69.74% 63.95% 60.89% 59.70% 57.05% 54.17% 53.77%
Earnings before Interest and Taxes (EBIT)		 -15 5.48 41 48 77 52 124 115 146 161
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 -41 17 44 41 71 74 146 126 159 171
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 1.40 0.88 0.94 0.74 1.20 1.08 1.02 1.18
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.67 1.18 1.25 0.96 1.50 1.37 1.29 1.44
Price to Revenue (P/Rev)		 0.00 0.00 3.66 2.56 2.57 2.03 3.18 2.58 2.61 3.15
Price to Earnings (P/E)		 0.00 0.00 60.37 13.98 12.43 15.36 10.73 9.47 9.37 10.62
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.16% 0.82% 1.26% 1.62% 1.56% 1.25%
Earnings Yield		 0.00% 0.00% 1.66% 7.15% 8.04% 6.51% 9.32% 10.56% 10.67% 9.41%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 1.14 0.83 0.91 0.74 1.00 0.92 0.87 0.80
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 5.82 4.30 4.43 3.16 4.73 4.35 3.42 3.65
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 22.72 22.95 17.09 11.83 10.09 11.18 8.32 8.69
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 24.55 19.79 15.60 16.96 11.83 12.23 9.09 9.21
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 46.15 23.05 21.15 23.39 15.84 15.95 12.28 12.28
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 37.29 11.88 41.13 8.04 19.75 6.37 7.98 8.47
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 5.06 0.00 37.67 13.87 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.00 0.99 0.92 0.76 0.77 0.50 0.75 0.98 0.54 0.70
Long-Term Debt to Equity		 0.00 0.89 0.85 0.71 0.70 0.45 0.72 0.96 0.49 0.67
Financial Leverage		 0.00 0.99 0.95 0.83 0.77 0.66 0.65 0.86 0.74 0.63
Leverage Ratio		 0.00 8.61 7.92 7.49 7.47 7.83 8.14 8.77 9.25 8.83
Compound Leverage Factor		 0.00 8.61 7.92 8.65 7.47 7.83 8.14 8.77 9.25 8.83
Debt to Total Capital		 0.00% 49.73% 47.82% 43.25% 43.48% 33.35% 42.97% 49.53% 35.27% 41.17%
Short-Term Debt to Total Capital		 0.00% 4.98% 3.55% 2.98% 3.74% 3.63% 2.03% 1.01% 3.39% 1.73%
Long-Term Debt to Total Capital		 0.00% 44.75% 44.28% 40.27% 39.74% 29.72% 40.94% 48.51% 31.88% 39.43%
Preferred Equity to Total Capital		 0.00% 3.34% 1.19% 0.91% 0.79% 0.90% 0.71% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 46.93% 50.99% 55.84% 55.74% 65.75% 56.32% 50.47% 64.73% 58.83%
Debt to EBITDA		 0.00 22.04 9.54 11.99 8.18 5.21 4.33 5.99 3.39 4.47
Net Debt to EBITDA		 0.00 19.33 8.21 9.04 7.04 4.08 3.24 4.56 1.97 1.17
Long-Term Debt to EBITDA		 0.00 19.83 8.83 11.16 7.48 4.64 4.12 5.86 3.06 4.29
Debt to NOPAT		 0.00 5.67 19.38 12.04 10.12 10.30 6.79 8.54 5.00 6.32
Net Debt to NOPAT		 0.00 4.98 16.69 9.08 8.71 8.07 5.09 6.50 2.90 1.66
Long-Term Debt to NOPAT		 0.00 5.10 17.94 11.21 9.25 9.18 6.47 8.37 4.52 6.06
Noncontrolling Interest Sharing Ratio		 0.00% 6.65% 4.27% 1.88% 1.49% 1.37% 1.30% 0.65% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 -694 -96 -226 -123 173 -182 37 95 -205
Operating Cash Flow to CapEx		 -1,631.26% 190.30% 0.00% 7,024.17% 687.64% 2,807.70% 3,836.39% 6,111.87% 4,301.14% 5,199.17%
Free Cash Flow to Firm to Interest Expense		 0.00 -89.64 -6.91 -7.99 -2.54 7.15 -14.55 1.03 0.64 -0.94
Operating Cash Flow to Interest Expense		 -6.56 0.55 1.93 2.82 0.60 4.50 5.94 6.08 1.12 0.80
Operating Cash Flow Less CapEx to Interest Expense		 -6.96 0.26 2.14 2.78 0.52 4.34 5.78 5.98 1.09 0.79
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.00 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04
Fixed Asset Turnover		 0.00 1.14 1.74 2.29 2.81 3.03 4.16 5.41 6.27 6.40
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 0.00 761 879 1,147 1,327 1,191 1,467 1,517 1,530 1,855
Invested Capital Turnover		 0.00 0.31 0.21 0.22 0.22 0.22 0.23 0.22 0.25 0.24
Increase / (Decrease) in Invested Capital		 0.00 761 118 268 180 -136 275 51 12 326
Enterprise Value (EV)		 0.00 0.00 1,001 950 1,206 876 1,470 1,403 1,324 1,483
Market Capitalization		 0.00 0.00 629 565 699 563 987 831 1,011 1,283
Book Value per Share		 $0.00 $17.68 $15.29 $17.63 $19.38 $19.71 $21.90 $20.43 $22.65 $24.59
Tangible Book Value per Share		 $0.00 $14.13 $12.86 $13.18 $14.65 $15.24 $17.51 $16.19 $17.99 $20.13
Total Capital		 0.00 761 879 1,147 1,327 1,157 1,467 1,517 1,530 1,855
Total Debt		 0.00 379 420 496 577 386 630 751 540 764
Total Long-Term Debt		 0.00 341 389 462 527 344 600 736 488 732
Net Debt		 0.00 332 362 374 496 302 472 572 313 201
Capital Expenditures (CapEx)		 2.67 2.23 -2.84 1.14 4.26 3.88 1.94 3.61 3.86 3.37
Net Nonoperating Expense (NNE)		 4.71 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 379 420 496 577 420 630 751 540 764
Total Depreciation and Amortization (D&A)		 -26 12 3.27 -6.62 -6.77 22 21 11 14 9.65
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.86) $3.31 $0.39 $1.21 $1.51 $0.96 $2.45 $2.37 $2.69 $2.78
Adjusted Weighted Average Basic Shares Outstanding		 0.00 20.20M 29.40M 36.37M 38.44M 38.75M 37.83M 37.72M 44.38M 44.68M
Adjusted Diluted Earnings per Share		 ($0.86) $3.27 $0.38 $1.18 $1.48 $0.96 $2.40 $2.34 $2.67 $2.75
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 20.20M 29.40M 36.37M 38.44M 38.75M 37.83M 37.72M 44.38M 44.68M
Adjusted Basic & Diluted Earnings per Share		 ($0.86) $3.31 $0.39 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 20.20M 29.40M 36.37M 38.44M 38.75M 37.83M 37.72M 44.38M 44.68M
Normalized Net Operating Profit after Tax (NOPAT)		 -10 5.04 22 41 58 42 103 88 109 121
Normalized NOPAT Margin		 -10.53% 4.33% 12.62% 18.66% 21.30% 15.25% 33.09% 27.35% 28.26% 29.68%
Pre Tax Income Margin		 -15.05% 4.71% 23.73% 25.12% 28.43% 18.65% 39.99% 35.54% 37.65% 39.59%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 -2.21 0.71 2.94 1.69 1.59 2.13 9.91 3.17 0.98 0.74
NOPAT to Interest Expense		 -1.55 8.61 1.56 1.45 1.17 1.54 7.40 2.43 0.72 0.55
EBIT Less CapEx to Interest Expense		 -2.61 0.42 3.14 1.65 1.50 1.97 9.75 3.07 0.95 0.72
NOPAT Less CapEx to Interest Expense		 -1.95 8.33 1.77 1.41 1.09 1.38 7.25 2.33 0.70 0.54
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 51.98% 1.90% 1.37% 17.33% 12.99% 15.46% 13.52% 13.12%
Augmented Payout Ratio		 0.00% 0.00% 51.98% 1.90% 1.37% 21.78% 44.10% 35.10% 13.52% 13.12%

Quarterly Metrics and Ratios for Byline Bancorp

This table displays calculated financial ratios and metrics derived from Byline Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 3.23% 9.12% 16.25% 19.36% 29.63% 14.76% 11.17% 9.85% -2.85% 3.85%
EBITDA Growth		 -1.29% -12.83% 14.04% 33.82% -18.51% 92.92% 21.04% 10.33% 4.70% -2.60%
EBIT Growth		 -9.75% 29.12% 12.67% 35.36% 24.98% 35.71% 25.82% 13.51% 4.99% 0.99%
NOPAT Growth		 -10.47% 32.08% 7.32% 28.71% 24.57% 30.39% 27.12% 13.65% 7.46% 2.42%
Net Income Growth		 -10.47% 32.08% 7.32% 28.71% 24.57% 30.39% 27.12% 13.65% 7.46% 2.42%
EPS Growth		 -7.58% 35.56% 10.34% 29.63% 6.56% 11.48% 9.38% -2.86% 6.15% 0.00%
Operating Cash Flow Growth		 250.70% 22.53% -47.03% -27.92% 139.96% -114.31% 26.87% -7.36% -74.81% 1,164.94%
Free Cash Flow Firm Growth		 -109.58% 89.15% -172.03% 165.26% -1,385.32% 161.36% 18.02% -477.96% 120.19% -1,817.50%
Invested Capital Growth		 2.62% 3.46% 29.65% -7.62% 17.52% 0.82% 19.44% 39.74% -0.98% 21.28%
Revenue Q/Q Growth		 6.70% 8.61% 3.46% -0.45% 15.89% -3.85% 0.22% -1.63% 2.49% 2.78%
EBITDA Q/Q Growth		 28.33% -23.14% 7.75% 8.53% -21.85% 81.95% -0.53% -1.07% -25.84% 69.28%
EBIT Q/Q Growth		 16.88% -3.48% 9.46% 9.62% 7.91% 4.81% 1.48% -1.10% -0.19% 0.81%
NOPAT Q/Q Growth		 11.70% 0.21% 5.47% 9.03% 8.10% 4.90% 2.82% -2.53% 2.21% -0.03%
Net Income Q/Q Growth		 11.70% 0.21% 5.47% 9.03% 8.10% 4.90% 2.82% -2.53% 2.21% -0.03%
EPS Q/Q Growth		 12.96% 0.00% 4.92% 9.38% -7.14% 4.62% 2.94% -2.86% 1.47% -1.45%
Operating Cash Flow Q/Q Growth		 -45.55% 6.00% 41.58% -11.80% 81.29% -106.32% 1,355.26% -35.60% -50.70% 167.19%
Free Cash Flow Firm Q/Q Growth		 93.06% -75.77% -1,095.92% 144.74% -257.93% 107.26% -1,697.66% -106.29% 108.44% -717.80%
Invested Capital Q/Q Growth		 -6.87% 0.32% 3.45% -4.42% 18.47% -13.94% 22.56% 11.82% -16.05% 5.42%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 45.79% 32.40% 39.15% 42.68% 28.78% 54.47% 42.62% 42.87% 31.02% 51.09%
EBIT Margin		 37.73% 33.53% 35.48% 39.07% 36.38% 39.66% 40.15% 40.37% 39.31% 38.56%
Profit (Net Income) Margin		 28.02% 25.85% 26.35% 28.86% 26.92% 29.37% 30.13% 29.86% 29.78% 28.97%
Tax Burden Percent		 74.25% 77.09% 74.28% 73.88% 74.01% 74.07% 75.05% 73.96% 75.75% 75.12%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.75% 22.91% 25.72% 26.12% 25.99% 25.93% 24.95% 26.04% 24.25% 24.88%
Return on Invested Capital (ROIC)		 5.92% 5.59% 6.36% 6.47% 6.12% 7.46% 6.95% 6.74% 6.79% 6.96%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.92% 5.59% 6.36% 6.47% 6.12% 7.46% 6.95% 6.74% 6.79% 6.96%
Return on Net Nonoperating Assets (RNNOA)		 5.32% 4.82% 4.80% 6.33% 5.95% 5.48% 6.31% 6.39% 5.12% 4.36%
Return on Equity (ROE)		 11.24% 10.41% 11.16% 12.79% 12.08% 12.94% 13.26% 13.13% 11.90% 11.32%
Cash Return on Invested Capital (CROIC)		 2.94% 2.50% -19.38% 14.03% -9.97% 6.27% -11.07% -26.59% 7.77% -12.10%
Operating Return on Assets (OROA)		 1.70% 1.54% 1.66% 1.86% 1.68% 1.89% 1.88% 1.90% 1.73% 1.71%
Return on Assets (ROA)		 1.26% 1.19% 1.23% 1.37% 1.24% 1.40% 1.41% 1.41% 1.31% 1.28%
Return on Common Equity (ROCE)		 11.16% 10.34% 11.18% 12.79% 12.08% 12.94% 13.28% 13.14% 11.90% 11.32%
Return on Equity Simple (ROE_SIMPLE)		 11.03% 0.00% 11.26% 11.72% 10.98% 0.00% 11.33% 11.42% 10.95% 0.00%
Net Operating Profit after Tax (NOPAT)		 23 23 24 26 28 30 30 30 30 30
NOPAT Margin		 28.02% 25.85% 26.35% 28.86% 26.92% 29.37% 30.13% 29.86% 29.78% 28.97%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 45.60% 44.12% 42.50% 42.36% 44.60% 40.98% 42.95% 42.86% 42.77% 44.10%
Operating Expenses to Revenue		 57.10% 56.45% 53.71% 54.53% 55.22% 53.17% 53.27% 53.55% 53.35% 54.87%
Earnings before Interest and Taxes (EBIT)		 31 29 32 35 38 40 41 40 40 40
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 37 28 36 39 30 55 43 43 32 53
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.98 1.08 1.00 0.82 0.92 1.02 0.95 1.01 1.08 1.18
Price to Tangible Book Value (P/TBV)		 1.25 1.37 1.24 1.02 1.19 1.29 1.19 1.25 1.32 1.44
Price to Revenue (P/Rev)		 2.33 2.58 2.37 1.91 2.27 2.61 2.41 2.57 2.94 3.15
Price to Earnings (P/E)		 8.96 9.47 8.88 7.01 8.39 9.37 8.37 8.85 9.87 10.62
Dividend Yield		 1.84% 1.62% 1.71% 2.03% 1.86% 1.56% 1.67% 1.52% 1.34% 1.25%
Earnings Yield		 11.16% 10.56% 11.27% 14.27% 11.92% 10.67% 11.95% 11.30% 10.13% 9.41%
Enterprise Value to Invested Capital (EV/IC)		 0.85 0.92 0.82 0.69 0.72 0.87 0.63 0.66 0.79 0.80
Enterprise Value to Revenue (EV/Rev)		 4.07 4.35 3.83 2.96 3.41 3.42 2.99 3.39 3.46 3.65
Enterprise Value to EBITDA (EV/EBITDA)		 9.90 11.18 9.56 7.17 9.29 8.32 7.11 8.06 8.11 8.69
Enterprise Value to EBIT (EV/EBIT)		 11.88 12.23 10.86 8.11 9.44 9.09 7.70 8.67 8.69 9.21
Enterprise Value to NOPAT (EV/NOPAT)		 15.57 15.95 14.34 10.84 12.64 12.28 10.37 11.67 11.63 12.28
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.00 6.37 7.27 6.47 6.20 7.98 6.61 7.82 11.90 8.47
Enterprise Value to Free Cash Flow (EV/FCFF)		 29.28 37.67 0.00 4.72 0.00 13.87 0.00 0.00 10.15 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.02 0.98 0.97 0.84 0.93 0.54 0.86 1.03 0.61 0.70
Long-Term Debt to Equity		 0.15 0.96 0.97 0.14 0.16 0.49 0.14 1.03 0.13 0.67
Financial Leverage		 0.90 0.86 0.75 0.98 0.97 0.74 0.91 0.95 0.75 0.63
Leverage Ratio		 8.89 8.77 9.07 9.31 9.73 9.25 9.39 9.32 9.11 8.83
Compound Leverage Factor		 8.89 8.77 9.07 9.31 9.73 9.25 9.39 9.32 9.11 8.83
Debt to Total Capital		 50.57% 49.53% 49.31% 45.74% 48.24% 35.27% 46.18% 50.72% 37.71% 41.17%
Short-Term Debt to Total Capital		 43.24% 1.01% 0.00% 38.32% 40.13% 3.39% 38.47% 0.00% 29.48% 1.73%
Long-Term Debt to Total Capital		 7.33% 48.51% 49.31% 7.42% 8.11% 31.88% 7.71% 50.72% 8.23% 39.43%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 49.43% 50.47% 50.82% 54.26% 51.76% 64.73% 53.82% 49.36% 62.29% 58.83%
Debt to EBITDA		 5.90 5.99 5.76 4.76 6.24 3.39 5.19 6.23 3.85 4.47
Net Debt to EBITDA		 4.23 4.56 3.64 2.54 3.12 1.97 1.37 1.95 1.23 1.17
Long-Term Debt to EBITDA		 0.85 5.86 5.76 0.77 1.05 3.06 0.87 6.23 0.84 4.29
Debt to NOPAT		 9.28 8.54 8.64 7.19 8.49 5.00 7.57 9.02 5.53 6.32
Net Debt to NOPAT		 6.65 6.50 5.47 3.84 4.24 2.90 2.00 2.82 1.76 1.66
Long-Term Debt to NOPAT		 1.35 8.37 8.64 1.17 1.43 4.52 1.26 9.02 1.21 6.06
Noncontrolling Interest Sharing Ratio		 0.66% 0.65% -0.24% 0.00% 0.00% 0.00% -0.11% -0.10% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -16 -28 -335 150 -237 17 -275 -567 48 -295
Operating Cash Flow to CapEx		 4,990.70% 11,415.79% 17,485.77% 3,444.83% 5,965.22% -494.13% 41,836.24% 5,507.00% 3,049.77% 2,871.06%
Free Cash Flow to Firm to Interest Expense		 -1.45 -1.63 -13.80 4.82 -5.36 0.35 -5.20 -10.29 0.81 -5.78
Operating Cash Flow to Interest Expense		 2.97 2.02 2.02 1.39 1.78 -0.10 1.18 0.73 0.34 1.04
Operating Cash Flow Less CapEx to Interest Expense		 2.91 2.00 2.01 1.35 1.75 -0.12 1.18 0.72 0.32 1.00
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04
Fixed Asset Turnover		 4.64 5.41 5.67 5.98 5.93 6.27 6.59 6.75 6.19 6.40
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,512 1,517 1,570 1,500 1,777 1,530 1,875 2,096 1,760 1,855
Invested Capital Turnover		 0.21 0.22 0.24 0.22 0.23 0.25 0.23 0.23 0.23 0.24
Increase / (Decrease) in Invested Capital		 39 51 359 -124 265 12 305 596 -17 326
Enterprise Value (EV)		 1,284 1,403 1,285 1,035 1,276 1,324 1,186 1,377 1,396 1,483
Market Capitalization		 735 831 795 669 847 1,011 957 1,044 1,185 1,283
Book Value per Share		 $19.93 $20.43 $21.15 $21.58 $21.05 $22.65 $22.74 $23.45 $24.77 $24.59
Tangible Book Value per Share		 $15.65 $16.19 $16.97 $17.45 $16.36 $17.99 $18.18 $18.90 $20.26 $20.13
Total Capital		 1,512 1,517 1,570 1,500 1,777 1,530 1,875 2,096 1,760 1,855
Total Debt		 765 751 774 686 857 540 866 1,063 664 764
Total Long-Term Debt		 111 736 774 111 144 488 144 1,063 145 732
Net Debt		 549 572 490 366 429 313 229 333 211 201
Capital Expenditures (CapEx)		 0.66 0.30 0.28 1.26 1.32 1.01 0.15 0.73 0.65 1.84
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 765 751 774 686 857 540 866 1,063 664 764
Total Depreciation and Amortization (D&A)		 6.52 -0.99 3.34 3.27 -7.96 15 2.50 2.48 -8.45 13
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.61 $0.61 $0.65 $0.70 $0.66 $0.68 $0.70 $0.68 $0.70 $0.70
Adjusted Weighted Average Basic Shares Outstanding		 37.48M 37.72M 37.71M 43.69M 43.72M 44.38M 44.12M 44.26M 44.39M 44.68M
Adjusted Diluted Earnings per Share		 $0.61 $0.61 $0.64 $0.70 $0.65 $0.68 $0.70 $0.68 $0.69 $0.68
Adjusted Weighted Average Diluted Shares Outstanding		 37.48M 37.72M 37.71M 43.69M 43.72M 44.38M 44.12M 44.26M 44.39M 44.68M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 37.48M 37.72M 37.71M 43.69M 43.72M 44.38M 44.12M 44.26M 44.39M 44.68M
Normalized Net Operating Profit after Tax (NOPAT)		 23 23 24 26 28 31 30 30 30 30
Normalized NOPAT Margin		 28.02% 26.18% 26.37% 28.86% 26.92% 30.83% 30.13% 29.86% 29.78% 28.97%
Pre Tax Income Margin		 37.73% 33.53% 35.48% 39.07% 36.38% 39.66% 40.15% 40.37% 39.31% 38.56%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 2.77 1.71 1.33 1.14 0.86 0.81 0.77 0.73 0.68 0.79
NOPAT to Interest Expense		 2.05 1.32 0.99 0.84 0.64 0.60 0.58 0.54 0.51 0.59
EBIT Less CapEx to Interest Expense		 2.71 1.69 1.32 1.10 0.83 0.79 0.77 0.72 0.67 0.75
NOPAT Less CapEx to Interest Expense		 1.99 1.30 0.97 0.80 0.61 0.58 0.57 0.53 0.50 0.56
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 16.76% 15.46% 14.93% 13.93% 13.89% 13.52% 13.25% 13.51% 13.16% 13.12%
Augmented Payout Ratio		 37.71% 35.10% 14.93% 13.93% 13.89% 13.52% 13.25% 13.51% 13.16% 13.12%

Frequently Asked Questions About Byline Bancorp's Financials

When does Byline Bancorp's fiscal year end?

According to the most recent income statement we have on file, Byline Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Byline Bancorp's net income changed over the last 9 years?

Byline Bancorp's net income appears to be on an upward trend, with a most recent value of $120.76 million in 2024, falling from -$14.97 million in 2015. The previous period was $107.88 million in 2023.

How has Byline Bancorp revenue changed over the last 9 years?

Over the last 9 years, Byline Bancorp's total revenue changed from $97.47 million in 2015 to $406.90 million in 2024, a change of 317.5%.

How much debt does Byline Bancorp have?

Byline Bancorp's total liabilities were at $8.41 billion at the end of 2024, a 6.5% increase from 2023, and a 188.5% increase since 2016.

How much cash does Byline Bancorp have?

In the past 8 years, Byline Bancorp's cash and equivalents has ranged from $17.74 million in 2016 to $62.27 million in 2022, and is currently $58.76 million as of their latest financial filing in 2024.

How has Byline Bancorp's book value per share changed over the last 9 years?

Over the last 9 years, Byline Bancorp's book value per share changed from 0.00 in 2015 to 24.59 in 2024, a change of 2,459.2%.


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This page (NYSE:BY) was last updated on 4/24/2025 by MarketBeat.com Staff
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Feds Just Admitted It—They Can Take Your Cash
Here’s the cold truth: If your money is sitting idle in a bank account, it’s vulnerable. That’s why thousan...
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URGENT: Someone's Moving Gold Out of London...
People who don’t understand the gold market are about to lose a lot of money. Unfortunately, most so-called “g...
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Trump Makes Major Crypto Announcement
Trump Ends the “War on Crypto” I expect it to pump the market, which is why I'm recommending ONE coin to al...
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James Altucher: Do not invest in AI unless…
I made millions during the crypto boom. Many “experts” are now saying… Artificial Intelligence opportuni...
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The Exact July Date the AI Correction Will End?
AI stocks have cooled off—but Jeff Brown, the tech expert who picked Nvidia before it soared 222x, says one da...
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This Is The Moment You Betray Trump (Or Prove Them Wrong)
They said you wouldn’t last—that Bidenflation, Wall Street selloffs, and DEI funds would break your loyalty to...
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Virtually Limitless Energy?
A radical energy breakthrough could change everything. Scientists at MIT and a stealth startup may have discov...
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Musk’s real agenda in D.C.
In this urgent exposé, you’ll discover… How Elon and Donald Trump are quietly drawing a radical new map of ...
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