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Financials · BY

Byline Bancorp Inc. (BY) financials

For the twelve months ended Jun 30, 2026, Byline Bancorp Inc. reported $462.85M of revenue and $149.48M of net income.

Revenue, TTM
$462.85M
Revenue growth, YoY
+10.2%
Net income, TTM
$149.48M
Net income growth, YoY
+25.6%
Net margin
32.3%
Free cash flow, TTM
$162.33M
EPS, diluted, TTM
$3.32
EPS growth, YoY
+24.3%
Cash
$193.56M
P/E
11.50
P/S
3.71
Market cap
$1.72B
Annual revenue$446.27M
FY2016FY2025
Annual net income$130.05M
FY2016FY2025
Annual free cash flow$136.32M
FY2016FY2025

BY revenue and earnings growth

BY revenueQ2 2026$117.71M

Quarter YoY
+6.6%
QoQ
+4.7%
FY YoY
+9.7%
5Y CAGR
+10.0%
10Y CAGR
+16.4%

BY revenue was $117.71M in fiscal Q2 2026 (ended Jun 30, 2026), up 6.6% from a year earlier and up 4.7% from the prior quarter. For the full fiscal 2025 it was $446.27M, up 9.7% from fiscal 2024. Compound annual growth was +10.0% over 5 years and +16.4% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 11 fiscal years on file.

BY net incomeQ2 2026$40.18M

Quarter YoY
+33.6%
QoQ
+6.9%
FY YoY
+7.7%
5Y CAGR
+28.3%

BY net income was $40.18M in fiscal Q2 2026 (ended Jun 30, 2026), up 33.6% from a year earlier and up 6.9% from the prior quarter. For the full fiscal 2025 it was $130.05M, up 7.7% from fiscal 2024. Compound annual growth was +28.3% over 5 years. It rose in 6 of the last 9 fiscal years. Fiscal 2025 is the highest of the 11 fiscal years on file.

BY EPSQ2 2026$0.90

Quarter YoY
+36.4%
QoQ
+8.4%
FY YoY
+5.1%
5Y CAGR
+24.7%

BY diluted EPS was $0.90 in fiscal Q2 2026 (ended Jun 30, 2026), up 36.4% from a year earlier and up 8.4% from the prior quarter. For the full fiscal 2025 it was $2.89, up 5.1% from fiscal 2024. Compound annual growth was +24.7% over 5 years.

BY free cash flowQ2 2026$13.16M

Quarter YoY
-14.9%
QoQ
-75.7%
FY YoY
-20.4%
5Y CAGR
+5.3%

BY free cash flow was $13.16M in fiscal Q2 2026 (ended Jun 30, 2026), down 14.9% from a year earlier and down 75.7% from the prior quarter. For the full fiscal 2025 it was $136.32M, down 20.4% from fiscal 2024. Compound annual growth was +5.3% over 5 years. It rose in 4 of the last 8 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$446.27M$406.90M$386.94M$322.64M$310.64M$277.04M$271.83M$228.18M$171.94M$116.52M
Interest expense--$148.86M$36.23M$12.54M$24.25M$48.53M$28.35M$13.89M$7.75M
Pre-tax income$173.25M$161.08M$145.68M$114.68M$124.21M$51.67M$77.30M$55.44M$40.79M$5.48M
Income tax$43.20M$40.32M$37.80M$26.73M$31.43M$14.20M$20.29M$14.25M$19.10M-$61.24M
Net income$130.05M$120.76M$107.88M$87.95M$92.78M$37.47M$57.00M$41.19M$21.70M$66.73M
EPS, basic$2.90$2.78$2.69$2.37$2.45$0.96$1.51$1.21$0.39$3.31
EPS, diluted$2.89$2.75$2.67$2.34$2.40$0.96$1.48$1.18$0.38$3.27
Diluted shares45.1M43.9M40.4M37.5M38.4M38.3M38.0M34.2M27.5M20.4M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$149.09M$563.14M$226.14M$179.35M$157.93M$83.42M$80.74M$121.86M$58.35M$46.53M
Goodwill$181.85M$181.71M$181.71M$148.35M$148.35M$148.35M$148.35M$128.18M$54.56M$51.98M
Total assets$9.65B$9.50B$8.88B$7.36B$6.70B$6.39B$5.52B$4.94B$3.37B$3.30B
Short-term debt$0$11.67M$18.33M$0--$539.64M---
Total liabilities$8.38B$8.41B$7.89B$6.60B$5.86B$5.59B$4.77B$4.29B$2.91B$2.91B
Shareholders' equity$1.27B$1.09B$990.15M$765.82M$836.38M$805.46M$750.12M$650.67M$458.58M$382.66M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$140.32M$175.16M$166.07M$220.33M$74.43M$109.02M$29.31M$79.94M$26.85M$4.24M
Capital expenditures$4.00M$3.99M$3.86M$3.63M$2.24M$3.92M$4.27M$2.58M$2.54M$5.95M
Free cash flow$136.32M$171.17M$162.21M$216.70M$72.19M$105.11M$25.05M$77.36M$24.32M-$1.71M
Investing cash flow-$223.59M-$330.92M-$336.24M-$819.86M-$236.05M-$886.36M-$250.56M-$369.40M-$61.63M-$301.78M
Financing cash flow-$330.77M$492.76M$216.96M$620.95M$236.13M$780.01M$180.13M$352.98M$46.60M$299.20M
Dividends paid$18.16M$15.85M$14.59M$13.40M$11.27M$5.71M$0---
Share repurchases$23.73M$0$0$17.27M$28.87M$1.67M$0---
Stock-based compensation$9.28M$7.89M$6.71M$5.33M$4.02M$2.58M$1.67M$1.51M$1.50M$899.0K
Depreciation and amortization$4.55M$5.03M$4.53M$4.29M$5.99M$6.48M$6.39M$5.58M$5.19M$5.06M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY9.7%5.2%19.9%3.9%12.1%1.9%19.1%32.7%47.6%19.5%
Net income growth, YoY7.7%11.9%22.7%-5.2%147.6%-34.3%38.4%89.9%-67.5%-
EPS growth, YoY5.1%3.0%14.1%-2.5%150.0%-35.1%25.4%210.5%-88.4%-
Net margin29.1%29.7%27.9%27.3%29.9%13.5%21.0%18.1%12.6%57.3%
Free cash flow margin30.5%42.1%41.9%67.2%23.2%37.9%9.2%33.9%14.1%-1.5%
Return on equity10.3%11.1%10.9%11.5%11.1%4.7%7.6%6.3%4.7%17.4%
Return on assets1.3%1.3%1.2%1.2%1.4%0.6%1.0%0.8%0.6%2.0%

Source: XBRL data Byline Bancorp Inc. files with the SEC, latest filing dated Aug 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

BY peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BY$462.85M+10.2%$149.48M32.3%$1.72B
JPM$203.15B+13.2%$65.98B32.5%$895.84B
BAC$120.16B+5.4%$32.24B26.8%$343.35B
WFC$87.23B+5.4%$22.97B26.3%$254.56B
C$85.22B+5.6%$14.31B16.8%$198.69B
UBS$49.57B+2.0%$7.80B15.7%$151.35B
COF$63.01B+31.2%$10.87B17.2%$122.62B
MFG¥8.79T+7.6%¥1.16T13.2%$116.90B
BNSC$37.74B+12.1%C$7.79B20.6%$112.58B

BY FAQ

8 questions
  • What is BY revenue?
    Byline Bancorp Inc. (BY) reported $462.85M of revenue for the twelve months ended Jun 30, 2026. That is up 10.2% from the year before. Revenue for fiscal 2025 was $446.27M.
  • Is BY profitable?
    Yes. Byline Bancorp Inc. earned $149.48M in net income for the twelve months ended Jun 30, 2026, a net margin of 32.3%.
  • How much cash and debt does BY have?
    Byline Bancorp Inc. reported $193.56M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is BY revenue growing?
    Byline Bancorp Inc.'s revenue changed +9.7% in fiscal 2025, to $446.27M. Its compound annual growth rate was +10.0% over 5 years and +16.4% over 10 years.
  • What is BY free cash flow?
    Byline Bancorp Inc. generated $162.33M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $164.69M less capital expenditures.
  • What is BY earnings per share?
    Diluted earnings per share were $3.32 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did BY last report financial results?
    The latest statements here come from Byline Bancorp Inc.'s 10-Q filed on Aug 6, 2026, covering the period ended Jun 30, 2026.
  • Where does this BY financial data come from?
    Quantisnow builds these statements from the structured XBRL data Byline Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.