Byline Bancorp, Inc. Financial Ratios — BY Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	24.68	4.91	49.12	42.87	20.91	39.69	28.86	28.18	25.06	22.03
Return on Assets (%)	- -	2.31	0.65	0.99	1.09	0.63	1.42	1.25	1.33	1.31	1.36
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	9.79	7.15	4.9	2.51	2.43	2.41	1.97	1.34	1.18	1.25	1.03
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-16.35	4.86	24.2	24.99	29.37	19.19	40.91	35.81	37.98	39.92	39.24
Profit Margin (%)	-16.69	59.16	12.87	18.57	21.66	13.91	30.56	27.47	28.12	29.92	29.46
Net Income to Common Margin (%)	-16.69	59.16	6.18	18.22	21.36	13.62	30.3	27.4	28.12	29.92	29.46
Effective Tax Rate (%)	- -	- -	46.82	25.7	26.25	27.48	25.3	23.31	25.95	25.03	24.94
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	15.57	12.25	15.27	13.52	13.12	13.97
Sustainable Growth Rate (%)	- -	24.68	4.91	49.12	42.87	17.65	34.83	24.45	24.37	21.77	18.96

Credit (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	63	361	389	462	527	344	616	750	513	743	495
ST Debt	- -	21	- -	- -	- -	- -	- -	- -	11	- -	- -
LT Debt	63	341	389	462	527	344	616	750	502	743	495
Total Debt/EBITDA	7.14	44.81	47.07	82.77	82.54	53.03	102.83	175	113.31	147.59	108.81
Net Debt/EBITDA	2.03	39.04	40.01	60.93	69.9	40.16	73.86	129.82	60.23	33.48	73.89
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.18	11.01	1.83	2.08	2.89	3	4.06	4.57	4.84	5.63	6.69
Long-Term Debt/Equity (%)	33.31	89.02	84.86	70.97	70.3	42.68	73.66	97.99	50.69	68.03	39.06
Long-Term Debt/Capital (%)	24.53	45.44	84.37	80.3	75.64	63	68.56	69.06	53.25	58.15	43.39
Long-Term Debt/Total Assets (%)	2.53	10.34	11.56	9.34	9.55	5.38	9.2	10.19	5.65	7.82	5.13
Total Debt/Equity (%)	33.31	94.42	84.86	70.97	70.3	42.68	73.66	97.99	51.83	68.03	39.06
Total Debt/Capital (%)	24.53	48.19	84.37	80.3	75.64	63	68.56	69.06	54.44	58.15	43.39
Total Debt/Total Assets (%)	2.53	10.96	11.56	9.34	9.55	5.38	9.2	10.19	5.78	7.82	5.13
Net Debt to Equity	9.47	82.26	72.14	52.24	59.54	32.33	52.91	72.69	27.55	15.43	26.52
Net Debt/Capital (%)	8.46	44.77	82.11	75	72.45	56.32	59.75	61.36	38.07	23.6	33.89
EBITDA	9	8	8	6	6	6	6	4	5	5	5
EBITDA-CapEx	5	2	6	3	2	3	4	1	1	1	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.18	11.01	1.83	2.08	2.89	3	4.06	4.57	4.84	5.63	6.69
Long-Term Debt/Equity (%)	33.31	89.02	84.86	70.97	70.3	42.68	73.66	97.99	50.69	68.03	39.06
Long-Term Debt/Capital (%)	24.53	45.44	84.37	80.3	75.64	63	68.56	69.06	53.25	58.15	43.39
Long-Term Debt/Total Assets (%)	2.53	10.34	11.56	9.34	9.55	5.38	9.2	10.19	5.65	7.82	5.13
Total Debt/Equity (%)	33.31	94.42	84.86	70.97	70.3	42.68	73.66	97.99	51.83	68.03	39.06
Total Debt/Capital (%)	24.53	48.19	84.37	80.3	75.64	63	68.56	69.06	54.44	58.15	43.39
Total Debt/Total Assets (%)	2.53	10.96	11.56	9.34	9.55	5.38	9.2	10.19	5.78	7.82	5.13
CFO/Total Liabilities	-1.9	0.15	0.92	1.86	0.61	1.95	1.27	3.34	2.1	2.08	1.67
CFO/CapEx	-10.82	0.71	10.58	31.01	6.87	27.85	33.29	60.65	43.01	43.88	35.11
Altman's Z-Score	0.03	0.06	0.21	0.15	0.18	0.15	0.21	0.19	0.19	0.21	0.24

Working Capital (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	18.51	23.19	23.94	21.8	15.86	15.35	13.15	10.4	9.54	10.97
Days Sales Outstanding	- -	19.71	15.74	15.25	16.75	23.02	23.78	27.75	35.08	38.25	33.26
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	619	555	730	588	1,029	849	943	1,260	1,306
- Cash & Cash Equivalents	45	47	58	122	81	83	158	179	226	563	149
+ Preferred Equity and Hybrid Capital	15	25	10	10	10	10	10	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	63	361	389	462	527	344	616	750	513	743	495
Enterprise Value	-735	-268	377	87	1	-589	43	246	-112	24	461
Total Capital	256	750	461	575	697	546	899	1,087	943	1,277	1,141
Total Debt/Capital (%)	24.53	48.19	84.37	80.3	75.64	63	68.56	69.06	54.44	58.15	43.39
Total Debt / EV	-0.09	-1.35	1.03	5.29	1,018.39	-0.58	14.45	3.05	-4.58	31.29	1.07
EV/Sales	- -	- -	2.24	0.39	- -	- -	0.14	0.77	- -	0.06	1.04
EV/EBITDA	- -	- -	45.65	15.66	0.08	- -	7.12	57.35	- -	4.72	101.36
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	14.05	1.09	0.02	- -	0.57	1.12	- -	0.14	3.29
EV/Free Cash Flow to Firm	- -	- -	12.84	1.06	0.02	- -	0.56	1.1	- -	0.13	3.2
Diluted Market Cap	- -	- -	633	570	743	592	1,049	861	953	1,272	1,314
Diluted Enterprise Value	33	340	974	920	1,200	863	1,518	1,432	1,240	1,451	1,660
EV per Share	- -	- -	14	2.62	0.01	- -	1.13	6.65	- -	0.55	10.3
TTM Sales	90	113	169	222	263	269	304	320	384	404	442
TTM EBITDA	9	8	8	6	6	6	6	4	5	5	5
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-43	4	27	80	29	109	74	220	166	175	140
TTM Free Cash Flow to Firm	-39	10	29	83	34	113	77	224	170	179	144

Multiples (USD)

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	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	21.53	6.9	22.14	5.24	13.69	3.84	5.61	7.1	9.1
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-735	-268	377	87	1	-589	43	246	-112	24	461
Low Price	- -	- -	19.02	15.39	16.45	8.13	14.59	20.15	16.4	19.7	22.63
EV/Sales	- -	- -	2.24	0.39	- -	- -	0.14	0.77	- -	0.06	1.04
EV/EBITDA	- -	- -	45.65	15.66	0.08	- -	7.12	57.35	- -	4.72	101.36
Price/Earnings	- -	- -	59.45	13.73	12.98	16.02	11.18	9.68	8.75	10.43	10.04
Price/Earnings Average	- -	- -	53.82	18.17	12.33	14.36	9.36	10.18	7.73	8.94	9.45
Price/Earnings High	- -	- -	61.21	20.43	13.65	21.49	11.65	12.28	9.65	11.83	10.76
Price/Earnings Low	- -	- -	49.23	12.68	10.91	8.43	5.96	8.49	6.09	7.09	7.8
Price/Book Value	- -	- -	10.05	5.39	4.58	3.07	3.78	2.53	2.2	2.36	2.02
Price/Book Value Average	- -	- -	9.1	7.14	4.35	2.75	3.16	2.66	1.94	2.02	1.9
Price/Book Value High	- -	- -	10.35	8.03	4.81	4.12	3.94	3.21	2.42	2.67	2.17
Price/Book Value Low	- -	- -	8.32	4.98	3.85	1.61	2.02	2.22	1.53	1.6	1.57
Price/Tangible Book Value	- -	- -	1.64	1.16	1.3	0.94	1.56	1.4	1.2	1.41	1.22
Price/Tangible Book Value Average	- -	- -	1.49	1.53	1.24	0.85	1.3	1.47	1.06	1.21	1.15
Price/Tangible Book Value High	- -	- -	1.69	1.73	1.37	1.27	1.62	1.78	1.32	1.6	1.31
Price/Tangible Book Value Low	- -	- -	1.36	1.07	1.1	0.5	0.83	1.23	0.83	0.96	0.95
Price/Sales	- -	- -	3.67	2.5	2.77	2.18	3.39	2.65	2.46	3.12	2.96
Price/Sales Average	- -	- -	3.33	3.31	2.63	1.96	2.84	2.79	2.17	2.68	2.78
Price/Sales High	- -	- -	3.78	3.72	2.92	2.93	3.53	3.37	2.71	3.54	3.17
Price/Sales Low	- -	- -	3.04	2.31	2.33	1.15	1.81	2.33	1.71	2.12	2.3
Price/Cash Flow	- -	- -	23.06	6.94	24.9	5.39	13.82	3.85	5.68	7.19	9.31
Price/Cash Flow Average	- -	- -	20.88	9.19	23.65	4.83	11.57	4.06	5.02	6.17	8.76
Price/Cash Flow High	- -	- -	23.75	10.33	26.18	7.23	14.4	4.89	6.27	8.16	9.97
Price/Cash Flow Low	- -	- -	19.1	6.41	20.93	2.84	7.37	3.38	3.95	4.89	7.22
Price/Free Cash Flow Average	- -	- -	19.49	9.14	21.03	4.7	11.46	4.04	4.96	6.08	8.57
Price/Free Cash Flow High	- -	- -	22.17	10.28	23.28	7.03	14.26	4.88	6.19	8.05	9.75
Price/Free Cash Flow Low	- -	- -	17.83	6.38	18.61	2.76	7.3	3.37	3.9	4.82	7.07
EV/Sales Average	0.37	3.02	5.35	4.89	4.37	2.96	4.38	4.57	2.92	3.12	3.57
EV/Sales High	0.37	3.02	5.81	5.3	4.65	3.93	5.07	5.15	3.46	3.99	3.95
EV/Sales Low	0.37	3.02	5.07	3.89	4.07	2.15	3.35	4.11	2.46	2.57	3.08
EV/EBITDA Average	3.74	42.19	109.11	194.43	180.03	123	221.93	341.54	247.52	250.32	346.2
EV/EBITDA High	3.74	42.19	118.41	210.79	191.65	163.38	257.06	384.52	293.27	319.71	383.57
EV/EBITDA Low	3.74	42.19	103.31	154.64	167.55	89.47	169.8	306.92	208.38	205.79	298.81
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	22.97	16.66	19.57	15.45	27.35	22.97	23.56	29	29.15
High Price	- -	- -	23.65	24.8	20.58	20.73	28.49	29.15	26	32.89	31.24
Enterprise Value Average	33	340	902	1,085	1,150	797	1,330	1,465	1,121	1,259	1,576
Enterprise Value High	33	340	979	1,176	1,224	1,059	1,540	1,649	1,328	1,608	1,746
Enterprise Value Low	33	340	854	863	1,070	580	1,017	1,316	944	1,035	1,360

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	28	28	29	36	38	39	38	37	44	44	46
Diluted Weighted Avg Shares	25	25	28	34	38	38	38	37	40	44	45
Basic Weighted Avg Shares	25	25	27	33	37	38	38	37	40	43	45
Revenue per Share	3.64	4.58	6.25	6.66	7.06	7.08	8.07	8.66	9.58	9.29	9.86
EBITDA per Share	0.36	0.33	0.31	0.17	0.17	0.17	0.16	0.12	0.11	0.12	0.1
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.61	2.71	0.39	1.21	1.51	0.96	2.45	2.37	2.69	2.78	2.9
Basic EPS from Cont Ops	-0.61	2.71	0.8	1.24	1.53	0.99	2.47	2.38	2.69	2.78	2.9
Diluted EPS, GAAP	-0.6	2.66	0.38	1.18	1.48	0.96	2.4	2.34	2.67	2.75	2.89
Diluted EPS from Cont Ops	-0.6	2.66	0.79	1.2	1.5	0.98	2.42	2.35	2.67	2.75	2.89
Dividend per Share	- -	- -	0.42	0.02	0.02	0.17	0.32	0.37	0.36	0.36	0.41
Cash Flow per Share	-1.76	0.17	1	2.4	0.79	2.87	1.98	5.96	4.15	4.03	3.13
Free Cash Flow per Basic Share	-1.93	-0.07	0.9	2.32	0.67	2.76	1.92	5.86	4.05	3.94	3.04
Cash & Equivalents per Share	32.98	26.58	23.79	28.22	33.98	40.25	42.87	36.62	39.17	45.54	29.91
Book Value per Share	7.22	14.73	2.29	3.09	4.27	5.03	7.23	9.09	10.73	12.3	14.42
Tangible Book Value per Share	5.08	11.58	13.98	14.38	15	16.37	17.56	16.42	19.64	20.56	23.83

Byline Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)