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BYLINE BANCORP, INC.

$38.83 ▼ -0.47 (-1.20%) at close

12 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

BYLINE BANCORP, INC. shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.7B

Dividend Yield 1.03%

Revenue Growth 9.7% ↗

Op. Margin 38.8% →

ROIC None

FCF / Share None

Trailing P/E 13.4x

Price / Book 1.4x

FCF Yield —

Debt / Equity 0.00

info Valuation on last close. End-of-day price, Aug 7, 2026.

12-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$446.27M

↑ +9.7% —

Net Income Profit after all expenses

$130.05M

↑ +7.7% —

Operating Margin Operating profit as % of sales

38.8%

↓ -1.9% 93th

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Financial Health

Dividend History

Dividend / share · sourced from SEC filings

$0.40 Latest / share

+11.1% YoY

+7.5% 5-yr CAGR

FY 2014

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

$0.30

FY 2021

$0.36

FY 2022

$0.36

FY 2023

$0.36

FY 2024

$0.40

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue Growth YoY (%)	9.7% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	5.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-14%)	19.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+232%)	3.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-36%)	12.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+102%)	1.9% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-68%)	18.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+211%)	32.5% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+441%)	48.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+707%)	19.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+226%)	—	—
EPS Growth YoY (%)	4.3% Caution → Caution Stable Year-over-year change in earnings per share Optimal: > 10%	3.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	13.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-3.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	155.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-36.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	24.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	210.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-88.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	7.7% Fair ↓ Fair Declining Year-over-year change in net income	11.9% Fair ↓ Fair Declining Year-over-year change in net income	22.7% Good ↓ Good Declining Year-over-year change in net income	-5.2% Weak ↓ Weak Declining Year-over-year change in net income	147.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-34.3% Weak ↓ Weak Declining Year-over-year change in net income	38.4% Excellent ↑ Excellent Improving Year-over-year change in net income	89.9% Excellent Excellent Year-over-year change in net income	-67.5% Weak Weak Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	11.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.4% Fair → Fair Stable Compound annual revenue growth over 3 years	11.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	17.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.6% Excellent Excellent Compound annual revenue growth over 3 years	33.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	10.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	8.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	21.7% Excellent Excellent Compound annual revenue growth over 5 years	23.2% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	7.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	41.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	26.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	35.0% Excellent Excellent Compound annual EPS growth over 3 years	-23.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Operating Margin (%) (%)	38.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	39.6% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	37.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	35.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	40.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	18.6% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	28.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	24.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	23.6% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	4.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	-15.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-160%)	—
Effective Tax Rate (%) (%)	24.9% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.5% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	46.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1116.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	29.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	29.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	29.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	13.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	21.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	18.0% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	12.5% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	57.3% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+160%)	-15.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-170%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	11.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	11.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	7.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-47%)	4.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	17.4% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+45%)	-8.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-166%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Debt to Equity (x)	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.01x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.02x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-98%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Revenue per Share (USD)	$9.96	$9.36	$9.66	$8.73	$8.26	$7.28	$7.29	$6.88	$6.41	$5.79	$5.62	—
Basic EPS, GAAP (USD)	$2.90	$2.78	$2.69	$2.37	$2.45	$0.96	$1.51	$1.21	$0.39	$3.31	$-0.86	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.40	$0.36	$0.36	$0.36	$0.30	—	—	—	—	—	—	—
Book Value per Share (USD)	$27.84	$24.55	$22.62	$20.43	$22.18	$20.86	$19.61	$17.90	$15.64	$15.54	$10.86	—
Tangible Book Value per Share (USD)	$23.85	$20.46	$18.47	$16.47	$18.24	$17.02	$15.73	$14.38	$13.78	$13.43	$9.38	—
Basic Weighted Avg Shares (shares)	44.80M	43.45M	40.05M	36.97M	37.61M	38.03M	37.29M	33.29M	26.96M	20.14M	17.33M	—
Dividend Payout Ratio (%)	13.8% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	12.9% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	13.4% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	15.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	12.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$1.27B	$1.09B	$990.15M	$765.82M	$836.38M	$805.46M	$750.12M	$650.67M	$458.58M	$382.66M	$188.27M	$209.07M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Sales/Revenue/Turnover (USD)	$446.27M	$406.90M	$386.94M	$322.64M	$310.64M	$277.04M	$271.83M	$229.13M	$172.97M	$116.52M	$97.47M	—
Net Income, GAAP (USD)	$130.05M	$120.76M	$107.88M	$87.95M	$92.78M	$37.47M	$57.00M	$41.19M	$21.70M	$66.73M	$-14.97M	—
Operating Cash Flow (USD)	$140.32M	$175.16M	$166.07M	$220.33M	$74.43M	$109.02M	$29.31M	$79.94M	$26.85M	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗
Net Interest Margin (approx.) (%)	4.0%	3.7%	3.7%	3.6%	3.5%	3.4%	3.9%	3.6%	3.7%	2.7%	—	—
Efficiency Ratio (%) (%)	53.1%	53.8%	54.2%	57.1%	59.7%	61.2%	63.9%	67.6%	69.1%	86.4%	107.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 12 years · 39 quarters

BYLINE BANCORP, INC.

Analytical Summary

12-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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