What is Byline Bancorp's earnings per share (EPS)?

Byline Bancorp (BY) reported diluted earnings per share of $2.89 for fiscal year 2025. This represents a 5.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Byline Bancorp Financials

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Byline Bancorp (BY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 11 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 38/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Byline Bancorp's revenue grew a modest 1.1% year-over-year to $572.2M. This slow but positive growth earns a score of 35/100.

Leverage

Byline Bancorp has elevated debt relative to equity (D/E of 6.61), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Byline Bancorp converts 23.8% of revenue into free cash flow ($136.3M). This strong cash generation earns a score of 85/100.

Returns

Byline Bancorp's ROE of 10.3% shows moderate profitability relative to equity, earning a score of 34/100. This is down from 11.1% the prior year.

Piotroski F-Score Neutral

4/9

Byline Bancorp passes 4 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

1.08x

For every $1 of reported earnings, Byline Bancorp generates $1.08 in operating cash flow ($140.3M OCF vs $130.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$572.2M

YoY+1.1%

5Y CAGR+19.1%

10Y CAGR+21.3%

Byline Bancorp generated $572.2M in revenue in fiscal year 2025. This represents an increase of 1.1% from the prior year.

EBITDA

N/A

Net Income

$130.1M

YoY+7.7%

5Y CAGR+28.3%

Byline Bancorp reported $130.1M in net income in fiscal year 2025. This represents an increase of 7.7% from the prior year.

EPS (Diluted)

$2.89

YoY+5.1%

5Y CAGR+24.7%

Byline Bancorp earned $2.89 per diluted share (EPS) in fiscal year 2025. This represents an increase of 5.1% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$136.3M

YoY-20.4%

5Y CAGR+5.3%

Byline Bancorp generated $136.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 20.4% from the prior year.

Cash & Debt

$149.1M

YoY-73.5%

5Y CAGR+12.3%

10Y CAGR+12.8%

Byline Bancorp held $149.1M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.40

YoY+11.1%

5Y CAGR+27.2%

Byline Bancorp paid $0.40 per share in dividends in fiscal year 2025. This represents an increase of 11.1% from the prior year.

Shares Outstanding

46M

YoY+2.4%

5Y CAGR+3.4%

Byline Bancorp had 46M shares outstanding in fiscal year 2025. This represents an increase of 2.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

22.7%

YoY+1.4pp

5Y CAGR+7.1pp

10Y CAGR+40.7pp

Byline Bancorp's net profit margin was 22.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.4 percentage points from the prior year.

Return on Equity

10.3%

YoY-0.8pp

5Y CAGR+5.6pp

10Y CAGR+18.2pp

Byline Bancorp's ROE was 10.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.8 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$23.7M

5Y CAGR+70.1%

Byline Bancorp spent $23.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$4.0M

YoY+0.1%

5Y CAGR+0.4%

10Y CAGR-0.1%

Byline Bancorp invested $4.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 0.1% from the prior year.

BY Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$572.2M+1.1%	$565.9M+18.0%	$479.5M+59.0%	$301.6M+21.1%	$248.9M+4.1%	$239.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$186.9M-14.2%	$217.9M+46.4%	$148.9M+310.9%	$36.2M+188.9%	$12.5M-48.3%	$24.3M
Income Tax	$43.2M+7.1%	$40.3M+6.7%	$37.8M+41.4%	$26.7M-14.9%	$31.4M+121.3%	$14.2M
Net Income	$130.1M+7.7%	$120.8M+11.9%	$107.9M+22.7%	$88.0M-5.2%	$92.8M+147.6%	$37.5M
EPS (Diluted)	$2.89+5.1%	$2.75+3.0%	$2.67+14.1%	$2.34-2.5%	$2.40+150.0%	$0.96

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$144.2M-2.9%	$148.6M+2.8%	$144.5M+7.2%	$134.8M-3.4%	$139.6M-4.7%	$146.4M+3.4%	$141.6M+2.3%	$138.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$42.9M-11.9%	$48.7M+0.4%	$48.6M+4.1%	$46.6M-8.7%	$51.1M-13.4%	$59.0M+7.2%	$55.0M+4.3%	$52.8M
Income Tax	$12.4M-2.4%	$12.7M+43.8%	$8.8M-4.1%	$9.2M-8.2%	$10.0M+3.4%	$9.7M-7.0%	$10.4M+3.2%	$10.1M
Net Income	$34.5M-7.2%	$37.2M+23.7%	$30.1M+6.5%	$28.2M-6.8%	$30.3M0.0%	$30.3M+2.2%	$29.7M-2.5%	$30.4M
EPS (Diluted)	N/A	$0.82+24.2%	$0.66+3.1%	$0.64	N/A	$0.69+1.5%	$0.68-2.9%	$0.70

BY Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$9.7B+1.6%	$9.5B+6.9%	$8.9B+20.6%	$7.4B+10.0%	$6.7B+4.8%	$6.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$149.1M-73.5%	$563.1M+149.0%	$226.1M+26.1%	$179.4M+13.6%	$157.9M+89.3%	$83.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$181.9M+0.1%	$181.7M0.0%	$181.7M+22.5%	$148.4M0.0%	$148.4M0.0%	$148.4M
Total Liabilities	$8.4B-0.2%	$8.4B+6.5%	$7.9B+19.6%	$6.6B+12.6%	$5.9B+4.9%	$5.6B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.3B+16.2%	$1.1B+10.2%	$990.2M+29.3%	$765.8M-8.4%	$836.4M+3.8%	$805.5M
Retained Earnings	$645.7M+20.9%	$533.9M+24.4%	$429.0M+27.8%	$335.8M+23.6%	$271.7M+42.2%	$191.1M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$9.7B-1.6%	$9.8B+0.9%	$9.7B+1.4%	$9.6B+0.9%	$9.5B+0.8%	$9.4B-2.2%	$9.6B+2.4%	$9.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$149.1M-42.4%	$259.0M+18.6%	$218.3M-48.2%	$421.3M-25.2%	$563.1M+24.4%	$452.6M-38.0%	$730.5M+14.7%	$636.8M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$181.9M0.0%	$181.9M0.0%	$181.9M+0.1%	$181.7M0.0%	$181.7M0.0%	$181.7M0.0%	$181.7M0.0%	$181.7M
Total Liabilities	$8.4B-2.2%	$8.6B+0.5%	$8.5B+0.9%	$8.5B+0.6%	$8.4B+0.9%	$8.3B-3.2%	$8.6B+2.4%	$8.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$1.3B+2.4%	$1.2B+3.8%	$1.2B+5.4%	$1.1B+3.6%	$1.1B-0.4%	$1.1B+6.1%	$1.0B+2.4%	$1.0B
Retained Earnings	$645.7M+4.9%	$615.8M+5.6%	$583.2M+4.6%	$557.7M+4.5%	$533.9M+5.2%	$507.6M+5.5%	$481.2M+5.6%	$455.5M

BY Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$140.3M-19.9%	$175.2M+5.5%	$166.1M-24.6%	$220.3M+196.0%	$74.4M-31.7%	$109.0M
Capital Expenditures	$4.0M+0.1%	$4.0M+3.4%	$3.9M+6.3%	$3.6M+62.5%	$2.2M-42.9%	$3.9M
Free Cash Flow	$136.3M-20.4%	$171.2M+5.5%	$162.2M-25.1%	$216.7M+200.2%	$72.2M-31.3%	$105.1M
Investing Cash Flow	-$223.6M+32.4%	-$330.9M+1.6%	-$336.2M+59.0%	-$819.9M-247.3%	-$236.0M+73.4%	-$886.4M
Financing Cash Flow	-$330.8M-167.1%	$492.8M+127.1%	$217.0M-65.1%	$620.9M+163.0%	$236.1M-69.7%	$780.0M
Dividends Paid	$18.2M+14.6%	$15.8M+8.7%	$14.6M+8.8%	$13.4M+18.9%	$11.3M+97.3%	$5.7M
Share Buybacks	$23.7M	$0	$0-100.0%	$17.3M-40.2%	$28.9M+1630.6%	$1.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$58.6M+52.9%	$38.3M+135.7%	$16.3M-39.9%	$27.1M-48.8%	$52.9M+167.2%	$19.8M-50.7%	$40.1M-35.6%	$62.3M
Capital Expenditures	$516K+35.4%	$381K-65.0%	$1.1M-45.9%	$2.0M-4.2%	$2.1M+223.6%	$649K-11.2%	$731K+42.8%	$512K
Free Cash Flow	$58.1M+53.1%	$38.0M+150.1%	$15.2M-39.4%	$25.0M-50.7%	$50.8M+165.3%	$19.1M-51.4%	$39.4M-36.2%	$61.8M
Investing Cash Flow	$42.5M+233.1%	-$31.9M-97.1%	-$16.2M+92.6%	-$218.0M-115837.8%	-$188K+99.6%	-$46.5M+66.2%	-$137.6M+6.2%	-$146.7M
Financing Cash Flow	-$211.1M-716.3%	$34.3M+116.9%	-$203.0M-513.7%	$49.1M-15.2%	$57.8M+123.0%	-$251.1M-231.5%	$191.0M-61.4%	$495.0M
Dividends Paid	$4.5M-0.1%	$4.5M-5.6%	$4.8M+9.3%	$4.4M+11.3%	$3.9M+0.3%	$3.9M-4.9%	$4.1M+5.9%	$3.9M
Share Buybacks	$9.8M+4953.4%	$193K-98.5%	$13.1M+1806.3%	$687K	$0	$0	$0	$0

BY Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	22.7%+1.4pp	21.3%-1.2pp	22.5%-6.7pp	29.2%-8.1pp	37.3%+21.6pp	15.7%
Return on Equity	10.3%-0.8pp	11.1%+0.2pp	10.9%-0.6pp	11.5%+0.4pp	11.1%+6.4pp	4.7%
Return on Assets	1.4%+0.1pp	1.3%+0.1pp	1.2%+0.0pp	1.2%-0.2pp	1.4%+0.8pp	0.6%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.61-1.1	7.70-0.3	7.97-0.6	8.61+1.6	7.01+0.1	6.93
FCF Margin	23.8%-6.4pp	30.3%-3.6pp	33.8%-38.0pp	71.9%+42.9pp	29.0%-14.9pp	43.9%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	23.9%-1.1pp	25.0%+4.2pp	20.8%-0.1pp	20.9%-0.8pp	21.7%+1.0pp	20.7%-0.3pp	21.0%-1.0pp	22.0%
Return on Equity	2.7%-0.3pp	3.0%+0.5pp	2.5%+0.0pp	2.5%-0.3pp	2.8%0.0pp	2.8%-0.1pp	2.9%-0.2pp	3.0%
Return on Assets	0.4%-0.0pp	0.4%+0.1pp	0.3%+0.0pp	0.3%-0.0pp	0.3%0.0pp	0.3%+0.0pp	0.3%-0.0pp	0.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.61-0.3	6.93-0.2	7.15-0.3	7.47-0.2	7.70+0.1	7.60-0.7	8.330.0	8.33
FCF Margin	40.3%+14.8pp	25.6%+15.1pp	10.5%-8.1pp	18.6%-17.8pp	36.4%+23.3pp	13.1%-14.8pp	27.8%-16.9pp	44.7%

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Frequently Asked Questions

What is Byline Bancorp's annual revenue?

Byline Bancorp (BY) reported $572.2M in total revenue for fiscal year 2025. This represents a 1.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Byline Bancorp's revenue growing?

Byline Bancorp (BY) revenue grew by 1.1% year-over-year, from $565.9M to $572.2M in fiscal year 2025.

Is Byline Bancorp profitable?

Yes, Byline Bancorp (BY) reported a net income of $130.1M in fiscal year 2025, with a net profit margin of 22.7%.

What is Byline Bancorp's net profit margin?

Byline Bancorp (BY) had a net profit margin of 22.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Byline Bancorp pay dividends?

Yes, Byline Bancorp (BY) paid $0.40 per share in dividends during fiscal year 2025.

What is Byline Bancorp's return on equity (ROE)?

Byline Bancorp (BY) has a return on equity of 10.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Byline Bancorp's free cash flow?

Byline Bancorp (BY) generated $136.3M in free cash flow during fiscal year 2025. This represents a -20.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Byline Bancorp's operating cash flow?

Byline Bancorp (BY) generated $140.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Byline Bancorp's total assets?

Byline Bancorp (BY) had $9.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Byline Bancorp's capital expenditures?

Byline Bancorp (BY) invested $4.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Byline Bancorp buy back shares?

Yes, Byline Bancorp (BY) spent $23.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Byline Bancorp have outstanding?

Byline Bancorp (BY) had 46M shares outstanding as of fiscal year 2025.

What is Byline Bancorp's debt-to-equity ratio?

Byline Bancorp (BY) had a debt-to-equity ratio of 6.61 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Byline Bancorp's return on assets (ROA)?

Byline Bancorp (BY) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Byline Bancorp's Piotroski F-Score?

Byline Bancorp (BY) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Byline Bancorp's earnings high quality?

Byline Bancorp (BY) has an earnings quality ratio of 1.08x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Byline Bancorp?

Byline Bancorp (BY) scores 38 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.