Byline Bancorp, Inc.
BY NYSE· State Commercial Banks
Last close · Oct 23, 2026
$38.40
KIRA · Stoqly’s AI analyst, in plain words
- Byline Bancorp, Inc. had $446M of revenue in fiscal 2025, up 9.7% on the year before. Over five years, revenue changed +10.0% a year on average.
- Byline Bancorp, Inc. made $130M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −1.4% a year.
- Byline Bancorp, Inc. returned $41.9M to shareholders in fiscal 2025, 31% of free cash flow. The diluted share count rose 2.8%.
- It earned 11.0% on shareholders’ money. Running costs took 53.1% of revenue (the efficiency ratio; lower is better).
Market cap
$1.7B
P/E
11.6x
Revenue
$446M
Net income
$130M
Return on equity
11.0%
Efficiency ratio
53.1%
Byline Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+9.7%
Yes. Sales grew 9.7% last year.
Does it make a profit?
29.1%
Yes. It keeps 29.1% of every sale as profit.
How lean are its costs?
53.1%
Lean. Running costs take 53.1% of revenue.
How much does it earn on its capital?
11.0%
Fair. It earns 11.0% a year on shareholders’ money.
How is the share priced?
11.6x
One share costs 11.6 times its yearly profit per share.
What Byline Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- BYLINE BANCORP, INC.
- CIK
- 0001702750
Byline Bancorp, Inc. · BY
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $311M | $323M | $387M | $407M | $446M |
| Revenue growth | 12.1% | 3.9% | 19.9% | 5.2% | 9.7% |
| Net interest income | $236M | $265M | $331M | $348M | $385M |
| Net income | $92.8M | $88.0M | $108M | $121M | $130M |
| Net margin | 29.9% | 27.3% | 27.9% | 29.7% | 29.1% |
| Diluted EPS | $2.40 | $2.34 | $2.67 | $2.75 | $2.89 |
| Cash | |||||
| Cash from operations | $74.4M | $220M | $166M | $175M | $140M |
| Capital expenditure | $2.2M | $3.6M | $3.9M | $4.0M | $4.0M |
| Free cash flow | $72.2M | $217M | $162M | $171M | $136M |
| FCF margin | 23.2% | 67.2% | 41.9% | 42.1% | 30.5% |
| Dividends paid | $11.3M | $13.4M | $14.6M | $15.8M | $18.2M |
| Share buybacks | $28.9M | $17.3M | $0.0M | $0.0M | $23.7M |
| Share count change | 0.1% | −2.3% | 7.9% | 8.4% | 2.8% |
| Debt and strength | |||||
| Cash and short-term investments | $158M | $179M | $226M | $563M | $149M |
| Debt incl. finance leases | — | $0.0M | $18.3M | $11.7M | $0.0M |
| Loans, net | $4.5B | $5.3B | $6.6B | — | — |
| Deposits | $5.2B | $5.7B | $7.2B | $7.5B | $7.6B |
| Shareholders' equity | $836M | $766M | $990M | $1.1B | $1.3B |
| Returns and quality | |||||
| Return on equity | 11.3% | 11.0% | 12.3% | 11.6% | 11.0% |
| Return on tangible equity | 13.7% | 14.5% | 13.7% | 13.5% | 12.2% |
| Efficiency ratio | 59.7% | 57.1% | 54.2% | 53.8% | 53.1% |
| Piotroski F-score | — | — | 4 | 5 | 6 |
Insiders bought, 12 months
$0.1M
4 insiders
Insiders sold, 12 months
$25.1M
6 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Byline Bancorp, Inc. · BY
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $38.40 a share, the company is worth $1.7B: 11.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001702750). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.