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

Byline Bancorp, Inc. (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 (BY) Financials

BY NYSE

Trailing 12 months to June 30, 2026

Revenue $462.9M +10.2% YoY

Net Income $149.5M +25.6% YoY

EPS (Diluted) $3.32 +24.3% YoY

Free Cash Flow $162.3M +46.0% YoY

Market Cap $1.7B as of Oct 26, 2026

Price / Sales 3.7x on $462.9M revenue, trailing 12 months to June 30, 2026

Price / Earnings 11.5x on $149.5M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $1.3B equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 26, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BY SEC filings page.

Byline Bancorp, Inc. (BY) reported $462.9M in revenue over the twelve months to Jun 30, 2026, up 10.2% from the prior twelve months. This page shows its 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).

Rhea AI BY FY2025 2026-10-26

Byline grows earnings while cash generation weakens, and its larger equity base is gradually reducing reliance on balance-sheet leverage.

In FY2025, net income rose 7.7% while operating cash flow fell 19.9%, so accounting earnings were not converting into cash at the prior year's pace. Equity rose 16.2% while liabilities edged down 0.2%, indicating that recent balance-sheet growth was supported more by equity than by additional obligations.

With FY2025 assets of $9.7B against $446M of revenue, this is an asset-heavy financial model where balance-sheet deployment matters more than conventional gross-margin analysis. ROA of 1.4% captures that economics better: modest returns on a large asset base can still produce substantial reported earnings.

Physical reinvestment was modest at 0.9% of revenue, yet free cash flow fell 20.4% in FY2025; softer cash generation therefore was not explained by heavier capital spending. Meanwhile, dividends increased 14.6% and the company repurchased $23.7M of shares, showing distributions continued as cash conversion weakened.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 71/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Byline Bancorp, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Byline Bancorp, Inc. earned a return on assets of 1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.3% the prior year. Earnings ranks banks on that return over three years, and Byline Bancorp, Inc. scores 78/100 among other banks.

Growth

Byline Bancorp, Inc. reported revenue of $446.3M in fiscal year 2025, against $406.9M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Byline Bancorp, Inc. scores 47/100 among other banks.

Capital

Byline Bancorp, Inc. funded 13.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $1.3B of equity against $9.7B of assets. Capital ranks banks on that cushion, and Byline Bancorp, Inc. scores 71/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Byline Bancorp, Inc. scores 83/100 on it among other banks.

Credit Quality

n/a

Not available for Byline Bancorp, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Stability

Byline Bancorp, Inc. reported net income of $130.1M in fiscal year 2025, against $120.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Byline Bancorp, Inc. scores 74/100 among other banks.

Piotroski F-Score Partial

5/6

Byline Bancorp, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$117.7M

YoY+6.6%

QoQ+4.7%

5Y CAGR+8.3%

10Y CAGR+16.0%

Byline Bancorp, Inc. generated $117.7M in revenue in Q2 2026. This represents an increase of 6.6% from the same quarter a year earlier. Against the prior quarter it is up 4.7%.

Net Income

$40.2M

YoY+33.6%

QoQ+6.9%

5Y CAGR+7.1%

10Y CAGR+31.5%

Byline Bancorp, Inc. reported $40.2M in net income in Q2 2026. This represents an increase of 33.6% from the same quarter a year earlier. Against the prior quarter it is up 6.9%.

EPS (Diluted)

$0.90

YoY+36.4%

QoQ+8.4%

5Y CAGR+4.3%

10Y CAGR+21.3%

Byline Bancorp, Inc. earned $0.90 per diluted share (EPS) in Q2 2026. This represents an increase of 36.4% from the same quarter a year earlier. Against the prior quarter it is up 8.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$13.2M

YoY-14.9%

QoQ-75.7%

5Y CAGR-24.1%

Byline Bancorp, Inc. generated $13.2M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 14.9% from the same quarter a year earlier. Against the prior quarter it is down 75.7%.

Cash & Debt

$193.6M

YoY-11.4%

QoQ-2.4%

5Y CAGR+13.5%

10Y CAGR+12.4%

Byline Bancorp, Inc. held $193.6M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Dividends Per Share

$0.12

YoY+20.0%

QoQ0.0%

5Y CAGR+14.9%

Byline Bancorp, Inc. paid $0.12 per share in dividends in Q2 2026. This represents an increase of 20.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

45M

YoY-1.5%

QoQ-0.5%

5Y CAGR+3.7%

Byline Bancorp, Inc. had 45M shares outstanding in Q2 2026. This represents a decrease of 1.5% from the same quarter a year earlier. Against the prior quarter it is down 0.5%.

Margins & Returns

Net Margin

34.1%

YoY+6.9pp

QoQ+0.7pp

5Y change-1.9pp

10Y change+24.3pp

Byline Bancorp, Inc.'s net profit margin was 34.1% in Q2 2026, showing the share of revenue converted to profit. This is up 6.9 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.

Return on Equity

3.1%

YoY+0.6pp

QoQ+0.1pp

5Y change-0.4pp

10Y change+2.0pp

Byline Bancorp, Inc.'s quarterly ROE was 3.1% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$9.1M

YoY-30.9%

QoQ-7.7%

5Y CAGR-5.6%

Byline Bancorp, Inc. spent $9.1M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 30.9% from the same quarter a year earlier. Against the prior quarter it is down 7.7%.

Capital Expenditures

$1.0M

YoY-7.3%

QoQ+120.3%

5Y CAGR+8.9%

Byline Bancorp, Inc. invested $1.0M in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 7.3% from the same quarter a year earlier. Against the prior quarter it is up 120.3%.

R&D Spending

Not reported for Q2 2026.

BY Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BY quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Revenue	$462.9M	$446.3M+9.7%	$406.9M+5.2%	$386.9M+19.9%	$322.6M+3.9%	$310.6M+12.1%	$277.0M+1.9%	$271.8M+19.1%	$228.2M+32.7%	$171.9M+47.6%	$116.5M+19.5%	$97.5M
Interest Expense	$176.9M	$186.9M-14.2%	$217.9M+46.4%	$148.9M+310.9%	$36.2M+188.9%	$12.5M-48.3%	$24.3M-50.0%	$48.5M+71.2%	$28.3M+104.1%	$13.9M+79.3%	$7.7M+16.8%	$6.6M
Income Tax	$51.1M	$43.2M+7.1%	$40.3M+6.7%	$37.8M+41.4%	$26.7M-14.9%	$31.4M+121.3%	$14.2M-30.0%	$20.3M+42.4%	$14.2M-25.4%	$19.1Mn/m	-$61.2M-20049.5%	$307K
Net Income	$149.5M	$130.1M+7.7%	$120.8M+11.9%	$107.9M+22.7%	$88.0M-5.2%	$92.8M+147.6%	$37.5M-34.3%	$57.0M+38.4%	$41.2M+89.9%	$21.7M-67.5%	$66.7Mn/m	-$15.0M
EPS (Basic)	N/A	$2.90+4.3%	$2.78+3.3%	$2.69+13.5%	$2.37-3.3%	$2.45+155.2%	$0.96-36.4%	$1.51+24.8%	$1.21	$0.39	$3.31n/m	-$0.86
EPS (Diluted)	$3.32	$2.89+5.1%	$2.75+3.0%	$2.67+14.1%	$2.34-2.5%	$2.40+150.0%	$0.96-35.1%	$1.48+25.4%	$1.18	$0.38	$3.27n/m	-$0.86
Diluted Shares (Avg)	N/A	45M+2.8%	44M+8.4%	40M+7.9%	37M-2.3%	38M+0.1%	38M+0.9%	38M+11.1%	34M	28M	20M+17.9%	17M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$117.7M+6.6%	$112.4M+9.0%	$117.0M+11.8%	$115.7M+13.6%	$110.5M+11.2%	$103.1M+2.0%	$104.7M+3.9%	$101.8M-2.9%
Interest Expense	$43.5M-10.5%	$41.8M-10.4%	$42.9M-15.9%	$48.7M-17.4%	$48.6M-11.8%	$46.6M-11.6%	$51.1M+3.5%	$59.0M+33.6%
Income Tax	$13.9M+57.0%	$12.1M+31.1%	$12.4M+23.6%	$12.7M+31.0%	$8.8M-15.3%	$9.2M-8.9%	$10.0M-3.1%	$9.7M-2.0%
Net Income	$40.2M+33.6%	$37.6M+33.0%	$34.5M+13.9%	$37.2M+22.7%	$30.1M+1.4%	$28.2M-7.2%	$30.3M+2.4%	$30.3M+7.5%
EPS (Basic)	$0.90+36.4%	$0.84+29.2%	$0.76+8.6%	$0.82+17.1%	$0.66-2.9%	$0.65-7.1%	$0.70+2.9%	$0.70+6.1%
EPS (Diluted)	$0.90+36.4%	$0.83+29.7%	$0.77+13.2%	$0.82+18.8%	$0.66-2.9%	$0.64-8.6%	$0.68-1.4%	$0.69+6.2%
Diluted Shares (Avg)	45M-1.5%	45M+1.7%	N/A	45M+3.2%	45M+4.0%	44M+1.3%	N/A	44M+1.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

BY Balance Sheet

BY quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Total Assets	$9.7B+1.6%	$9.5B+6.9%	$8.9B+20.6%	$7.4B+10.0%	$6.7B+4.8%	$6.4B+15.7%	$5.5B+11.7%	$4.9B+46.8%	$3.4B+2.1%	$3.3B	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+3.3%	$80.7M-33.7%	$121.9M+108.8%	$58.3M+25.4%	$46.5M+3.7%	$44.9M
Goodwill	$181.9M+0.1%	$181.7M0.0%	$181.7M+22.5%	$148.4M0.0%	$148.4M0.0%	$148.4M0.0%	$148.4M+15.7%	$128.2M+134.9%	$54.6M+5.0%	$52.0M+102.3%	$25.7M
Total Liabilities	$8.4B-0.2%	$8.4B+6.5%	$7.9B+19.6%	$6.6B+12.6%	$5.9B+4.9%	$5.6B+17.0%	$4.8B+11.2%	$4.3B+47.6%	$2.9B-0.2%	$2.9B	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+7.4%	$750.1M+15.3%	$650.7M+41.9%	$458.6M+19.8%	$382.7M+103.2%	$188.3M
Retained Earnings	$645.7M+20.9%	$533.9M+24.4%	$429.0M+27.8%	$335.8M+23.6%	$271.7M+42.2%	$191.1M+20.2%	$159.0M+55.1%	$102.5M+67.1%	$61.3M+20.5%	$50.9M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$9.9B+2.2%	$9.9B+3.4%	$9.7B+1.6%	$9.8B+4.1%	$9.7B+0.9%	$9.6B+1.9%	$9.5B+6.9%	$9.4B+5.4%
Cash & Equivalents	$193.6M-11.4%	$198.4M-52.9%	$149.1M-73.5%	$259.0M-42.8%	$218.3M-70.1%	$421.3M-33.8%	$563.1M+149.0%	$452.6M+5.5%
Goodwill	$181.9M0.0%	$181.9M+0.1%	$181.9M+0.1%	$181.9M+0.1%	$181.9M+0.1%	$181.7M0.0%	$181.7M0.0%	$181.7M0.0%
Total Liabilities	$8.6B+1.2%	$8.6B+2.1%	$8.4B-0.2%	$8.6B+3.0%	$8.5B-0.8%	$8.5B+0.6%	$8.4B+6.5%	$8.3B+3.8%
Total Equity	$1.3B+9.4%	$1.3B+13.2%	$1.3B+16.2%	$1.2B+12.9%	$1.2B+15.4%	$1.1B+12.1%	$1.1B+10.2%	$1.1B+19.2%
Retained Earnings	$712.6M+22.2%	$677.9M+21.5%	$645.7M+20.9%	$615.8M+21.3%	$583.2M+21.2%	$557.7M+22.4%	$533.9M+24.4%	$507.6M+25.8%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

BY Cash Flow Statement

BY quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Operating Cash Flow	$164.7M	$140.3M-19.9%	$175.2M+5.5%	$166.1M-24.6%	$220.3M+196.0%	$74.4M-31.7%	$109.0M+271.9%	$29.3M-63.3%	$79.9M+197.7%	$26.9M+533.9%	$4.2Mn/m	-$43.5M
Depreciation & Amortization	N/A	$4.6M-9.5%	$5.0M+11.1%	$4.5M+5.6%	$4.3M-28.4%	$6.0M-7.6%	$6.5M+1.5%	$6.4M+14.5%	$5.6M+7.4%	$5.2M+2.6%	$5.1M-12.8%	$5.8M
Stock-Based Compensation	N/A	$9.3M+17.6%	$7.9M+17.5%	$6.7M+25.9%	$5.3M+32.8%	$4.0M+55.8%	$2.6M+54.2%	$1.7M+10.5%	$1.5M+1.1%	$1.5M+66.5%	$899K-14.0%	$1.0M
Capital Expenditures	$2.4M	$4.0M+0.1%	$4.0M+3.4%	$3.9M+6.3%	$3.6M+62.5%	$2.2M-42.9%	$3.9M-8.2%	$4.3M+65.5%	$2.6M+1.6%	$2.5M-57.3%	$5.9M+48.0%	$4.0M
Free Cash Flow	$162.3M	$136.3M-20.4%	$171.2M+5.5%	$162.2M-25.1%	$216.7M+200.2%	$72.2M-31.3%	$105.1M+319.6%	$25.0M-67.6%	$77.4M+218.1%	$24.3Mn/m	-$1.7Mn/m	-$47.5M
Investing Cash Flow	-$248.8M	-$223.6Mn/m	-$330.9Mn/m	-$336.2Mn/m	-$819.9Mn/m	-$236.0Mn/m	-$886.4Mn/m	-$250.6Mn/m	-$369.4Mn/m	-$61.6Mn/m	-$301.8M	N/A
Financing Cash Flow	$58.3M	-$330.8M-167.1%	$492.8M+127.1%	$217.0M-65.1%	$620.9M+163.0%	$236.1M-69.7%	$780.0M+333.0%	$180.1M-49.0%	$353.0M+657.5%	$46.6M-84.4%	$299.2M	N/A
Dividends Paid	$20.1M	$18.2M+14.6%	$15.8M+8.7%	$14.6M+8.8%	$13.4M+18.9%	$11.3M+97.3%	$5.7Mn/m	$0	N/A	N/A	N/A	N/A
Share Buybacks	$28.8M	$23.7Mn/m	$0n/m	$0-100.0%	$17.3M-40.2%	$28.9M+1630.6%	$1.7Mn/m	$0	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$14.2M-14.4%	$54.6M+96.2%	$58.6M+10.9%	$37.3M+88.6%	$16.5M-58.8%	$27.8M-55.4%	$52.9Mn/m	$19.8M-74.8%
Depreciation & Amortization	$1.1M-3.0%	$1.1M-2.5%	$1.1M-5.1%	$1.1M-8.6%	$1.1M-12.8%	$1.2M-11.4%	$1.2M-10.4%	$1.2M-0.7%
Stock-Based Compensation	N/A	$2.2M+9.5%	N/A	N/A	N/A	$2.0M+8.7%	N/A	N/A
Capital Expenditures	$1.0M-7.3%	$458K-77.2%	$516K-75.4%	$381K-41.3%	$1.1M+48.8%	$2.0M+293.0%	$2.1M+109.0%	$649K-50.7%
Free Cash Flow	$13.2M-14.9%	$54.1M+109.7%	$58.1M+14.5%	$36.9M+93.0%	$15.5M-60.8%	$25.8M-58.3%	$50.8Mn/m	$19.1M-75.2%
Investing Cash Flow	-$29.9Mn/m	-$229.5Mn/m	$42.5Mn/m	-$31.9Mn/m	-$16.2Mn/m	-$218.0Mn/m	-$188Kn/m	-$46.5Mn/m
Financing Cash Flow	$10.9Mn/m	$224.2M+356.9%	-$211.1M-464.9%	$34.3Mn/m	-$203.0M-206.3%	$49.1M-90.1%	$57.8Mn/m	-$251.1M-251.9%
Dividends Paid	$5.7M+19.2%	$5.4M+22.6%	$4.5M+14.7%	$4.5M+15.2%	$4.8M+16.0%	$4.4M+12.4%	$3.9M+1.3%	$3.9M-3.4%
Share Buybacks	$9.1M-30.9%	$9.8M+1328.2%	$9.8Mn/m	$193Kn/m	$13.1Mn/m	$687Kn/m	$0n/m	$0n/m

BY Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

BY quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K
Net Margin	29.1%-0.5pp	29.7%+1.8pp	27.9%+0.6pp	27.3%-2.6pp	29.9%+16.4pp	13.5%-7.5pp	21.0%+2.9pp	18.1%+5.4pp	12.6%-44.6pp	57.3%+72.6pp	-15.4%
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%-2.9pp	7.6%+1.3pp	6.3%+1.6pp	4.7%-12.7pp	17.4%+25.4pp	-8.0%
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%-0.4pp	1.0%+0.2pp	0.8%+0.2pp	0.6%-1.4pp	2.0%	N/A
Liabilities-to-Equity	6.61-1.1x	7.70-0.3x	7.97-0.6x	8.61+1.6x	7.01+0.1x	6.93+0.6x	6.36-0.2x	6.60+0.3x	6.34-1.3x	7.61	N/A
Asset Turnover	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.04	N/A
FCF Margin	30.6%-11.5pp	42.1%+0.2pp	41.9%-25.2pp	67.2%+43.9pp	23.2%-14.7pp	37.9%+28.7pp	9.2%-24.7pp	33.9%+19.8pp	14.1%+15.6pp	-1.5%+47.3pp	-48.7%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	34.1%+6.9pp	33.4%+6.0pp	29.5%+0.5pp	32.1%+2.4pp	27.2%-2.6pp	27.4%-2.7pp	29.0%-0.4pp	29.8%+2.9pp
Return on Equity	3.1%+0.6pp	2.9%+0.4pp	2.7%-0.1pp	3.0%+0.2pp	2.5%-0.3pp	2.5%-0.5pp	2.8%-0.2pp	2.8%-0.3pp
Return on Assets	0.4%+0.1pp	0.4%+0.1pp	0.4%0.0pp	0.4%+0.1pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp	0.3%0.0pp
Liabilities-to-Equity	6.62-0.5x	6.74-0.7x	6.61-1.1x	6.93-0.7x	7.15-1.2x	7.47-0.9x	7.70-0.3x	7.60-1.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	11.2%-2.8pp	48.1%+23.1pp	49.7%+1.2pp	31.9%+13.1pp	14.0%-25.7pp	25.0%-36.2pp	48.5%+54.4pp	18.8%-54.9pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Byline Bancorp, Inc. BY	FY2025	$446.3M	$130.1M	29.1%	$1.7B	71/100
NATIONAL BANK HOLDINGS CORP. NBHC	FY2025	$416.1M	$109.6M	26.3%	$1.7B	53/100
Hope Bancorp, Inc. HOPE	FY2025	$498.7M	$61.6M	12.3%	$1.8B	33/100
Dime Commercial Bancshares, Inc. DCOM	FY2025	$452.9M	$110.7M	24.4%	$1.9B	44/100
Westamerica Bancorporation WABC	FY2025	$258.1M	$116.2M	45.0%	$1.4B	70/100
Bank First Corporation BFC	FY2025	$173.9M	$71.5M	41.1%	$1.6B	69/100

Where Byline Bancorp, Inc. Ranks

Frequently Asked Questions

What is Byline Bancorp, Inc.'s annual revenue?

Byline Bancorp, Inc. (BY) reported $446.3M in total revenue for fiscal year 2025. This represents a 9.7% 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, Inc.'s revenue growing?

Byline Bancorp, Inc. (BY) revenue grew by 9.7% year-over-year, from $406.9M to $446.3M in fiscal year 2025.

Is Byline Bancorp, Inc. profitable?

Yes, Byline Bancorp, Inc. (BY) reported a net income of $149.5M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $130.1M, with a net profit margin of 29.1%.

What is Byline Bancorp, Inc.'s net profit margin?

Byline Bancorp, Inc. (BY) had a net profit margin of 29.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Byline Bancorp, Inc. pay dividends?

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

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

Byline Bancorp, Inc. (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, Inc.'s free cash flow?

Byline Bancorp, Inc. (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, Inc.'s operating cash flow?

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

What are Byline Bancorp, Inc.'s total assets?

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

What are Byline Bancorp, Inc.'s capital expenditures?

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

Does Byline Bancorp, Inc. buy back shares?

Yes, Byline Bancorp, Inc. (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, Inc. have outstanding?

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

What is Byline Bancorp, Inc.'s liabilities-to-equity ratio?

Byline Bancorp, Inc. (BY) had a liabilities-to-equity ratio of 6.61 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

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

Byline Bancorp, Inc. (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, Inc.'s P/E ratio?

Byline Bancorp, Inc. (BY) trades at 11.5x earnings, its market capitalization divided by $149.5M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Byline Bancorp, Inc.'s price-to-sales ratio?

Byline Bancorp, Inc. (BY) trades at 3.7x sales, its market capitalization divided by $462.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.7B as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Byline Bancorp, Inc.'s Piotroski F-Score?

Byline Bancorp, Inc. (BY) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is Byline Bancorp, Inc.?

Byline Bancorp, Inc. (BY) scores 71 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Byline Bancorp, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.