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) Data as of Mar 31, 2026 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).

Rhea AI BY FY2025 2026-05-01

Byline’s earnings engine is shifting toward a better-capitalized balance sheet, with less leverage doing noticeably less of the work.

By FY2025, equity had climbed to $1.27B and debt-to-equity had eased to 6.6x, a quiet but important shift in how the balance sheet is financed. With return on assets at 1.4% and return on equity at 10.3%, the company is earning similar profit per asset with less leverage amplifying the shareholder result.

FY2025 revenue was nearly flat at $572M, but net income still reached $130M. That suggests the year’s earnings lift came less from adding assets and more from the income-statement mix, helped by lower funding costs even as operating expenses continued to climb.

Cash fell from $563M to $149M while financing cash flow turned negative, even though the bank stayed profitable. In this kind of balance-sheet-heavy model, cash can move sharply when management repays funding or repositions assets, so liquidity swings should be read alongside capital strength rather than as a stand-alone earnings signal.

Financial Health Signals

Financial Health Score 59/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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'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

Growth

Capital

Efficiency

Stability

Piotroski F-Score Partial

4/6

Byline Bancorp passes 4 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), 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	$150.4M+7.3%	$140.1M+10.3%	$127.0M+7.6%	$118.1M+16.6%	$101.2M+12.8%	$89.8M
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+12.0%	$107.9M+22.6%	$88.0M-5.2%	$92.8M+147.7%	$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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$141.7M-1.8%	$144.2M-2.9%	$148.6M+2.8%	$144.5M+7.2%	$134.9M-3.4%	$139.6M-4.7%	$146.4M+3.4%	$141.6M
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	$36.2M-6.6%	$38.8M+3.5%	$37.5M-0.9%	$37.8M+4.3%	$36.3M-2.8%	$37.3M+6.6%	$35.0M+3.1%	$33.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$41.8M-2.7%	$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
Income Tax	$12.1M-2.6%	$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
Net Income	$37.6M+8.7%	$34.6M-7.1%	$37.2M+23.7%	$30.1M+6.5%	$28.2M-7.0%	$30.4M+0.1%	$30.3M+2.2%	$29.7M
EPS (Diluted)	$0.83	N/A	$0.82+24.2%	$0.66+3.1%	$0.64	N/A	$0.69+1.5%	$0.68

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$9.9B+2.7%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$198.4M+33.0%	$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
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%	$181.9M0.0%	$181.9M+0.1%	$181.7M0.0%	$181.7M0.0%	$181.7M0.0%	$181.7M
Total Liabilities	$8.6B+2.9%	$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
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+1.0%	$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
Retained Earnings	$677.9M+5.0%	$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

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$54.6M-7.0%	$58.6M+52.9%	$38.3M+147.0%	$15.5M-44.2%	$27.8M-47.4%	$52.9M+167.2%	$19.8M-50.7%	$40.1M
Capital Expenditures	$458K-11.2%	$516K+35.4%	$381K-65.0%	$1.1M-45.9%	$2.0M-4.2%	$2.1M+223.6%	$649K-11.2%	$731K
Free Cash Flow	$54.1M-6.9%	$58.1M+53.1%	$38.0M+163.0%	$14.4M-44.0%	$25.8M-49.2%	$50.8M+165.3%	$19.1M-51.4%	$39.4M
Investing Cash Flow	-$229.5M-640.0%	$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
Financing Cash Flow	$224.2M+206.2%	-$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
Dividends Paid	$5.4M+19.0%	$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
Share Buybacks	$9.8M+0.6%	$9.8M+4953.4%	$193K-98.5%	$13.1M+1806.3%	$687K	$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%+6.5pp	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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	26.5%+2.6pp	24.0%-1.1pp	25.0%+4.2pp	20.8%-0.1pp	20.9%-0.8pp	21.8%+1.0pp	20.7%-0.3pp	21.0%
Return on Equity	2.9%+0.2pp	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%
Return on Assets	0.4%+0.0pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.74+0.1	6.61-0.3	6.93-0.2	7.15-0.3	7.47-0.2	7.70+0.1	7.60-0.7	8.33
FCF Margin	38.2%-2.1pp	40.3%+14.8pp	25.6%+15.6pp	10.0%-9.1pp	19.1%-17.3pp	36.4%+23.3pp	13.1%-14.8pp	27.8%

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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 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.

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 59 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite 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. 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.