Byline Bancorp, Inc.(BY)

$31.91▲0.00 (0.00%)

Byline Bancorp, Inc.(BY)

NYSE

$31.91▲0.00 (0.00%)

Overview Intelligence Chart Fundamentals Key Metrics Earnings Growth Analysts Financials Insiders Institutional

Revenue (LTM)

$629M

+1.3% YoY

Net Income (LTM)

$130M

+7.7% YoY

Free Cash Flow

$136M

Revenue CAGR (5Y)

+18.8%

Marginsdeclining

FCF$0.1B

Profitable

Watch on earnings:Net interest margin (NIM) - typically 3.0-3.5% range for regional commercial banksLoan growth rate - commercial loan originations and pipeline visibilityEfficiency ratio - non-interest expense as percentage of revenue, target sub-60%Credit metrics - NPL ratio, criticized/classified asset trends, provision coverageTangible book value per share growth - key metric for value-oriented bank investors

Key metrics:Federal Funds Rate and 10-year Treasury yield - primary drivers of net interest margin and loan demand · Chicago-area commercial real estate vacancy rates and property values - leading indicators of CRE credit quality · Midwest manufacturing PMI and industrial production - proxy for C&I loan demand and credit performance · Regional unemployment rates (Illinois/Wisconsin) - early warning for small business loan stress

Income Statement

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	316	356↑12.8%	532↑49.4%	621↑16.7%	629↑1.3%
Gross Profit	303	296↓2.1%	352↑18.8%	376↑7.0%	416↑10.5%
Operating Income	124	115↓7.7%	146↑27.0%	161↑10.6%	183↑13.6%
Net Income	93	88↓5.2%	108↑22.7%	121↑11.9%	130↑7.7%
EBITDA	130	119↓8.6%	150↑26.3%	166↑10.6%	188↑13.1%
EPS Diluted	2.40	2.34↓2.5%	2.67↑14.1%	2.75↑3.0%	2.89↑5.1%

Balance Sheet

⚠ Commercial real estate concentration risk - CRE loans likely represent 30-40% of portfolio, creating vulnerability to Chicago-area property market corrections

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	158	179↑13.6%	226↑26.1%	563↑149.0%	60↓89.3%
Total Current Assets	1,999	1,911↓4.4%	2,305↑20.6%	2,517↑9.2%	1,465↓41.8%
Total Assets	6,696	7,363↑10.0%	8,882↑20.6%	9,497↑6.9%	9,653↑1.6%
Total Current Liabilities	5,244	5,847↑11.5%	7,251↑24.0%	7,512↑3.6%	4,762↓36.6%
Total Liabilities	5,860	6,597↑12.6%	7,892↑19.6%	8,405↑6.5%	8,385↓0.2%
Total Equity	836	766↓8.4%	990↑29.3%	1,091↑10.2%	1,268↑16.2%
Total Debt	646	766↑18.6%	554↓27.7%	775↑39.9%	565↓27.1%
Net Debt	488	586↑20.2%	328↓44.1%	212↓35.4%	505↑138.6%

Cash Flow Statement

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	74	220↑196.0%	166↓24.6%	175↑5.5%	140↓19.9%
Capital Expenditure	-2	-4↓62.5%	-4↓6.3%	-4↓3.4%	-4↓0.1%
Free Cash Flow	72	217↑200.2%	162↓25.1%	171↑5.5%	136↓20.4%
Stock-Based Comp	4	5↑32.8%	7↑25.9%	8↑17.5%	0
Net Change in Cash	75	21↓71.2%	47↑118.4%	337↑620.4%	3↓99.0%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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