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    Banks - Regional
Byline Bancorp, Inc.

Byline Bancorp, Inc.

BY
BYByline Bancorp, Inc.US flagNew York Stock Exchange
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27.95
USD
-0.31
(-1.10%)
2.69EPS
10.39P/E
1.17BMarket Cap
Jul 23Next Earn

Profitability

2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
Return on Common Equity (%)
- -
24.68
4.91
49.12
42.87
20.91
39.69
28.86
28.18
25.06
Return on Assets (%)
- -
2.31
0.65
0.99
1.09
0.63
1.42
1.25
1.33
1.31
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
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
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
Profit Margin (%)
-16.69
59.16
12.87
18.57
21.66
13.91
30.56
27.47
28.12
29.92
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
Effective Tax Rate (%)
- -
- -
46.82
25.7
26.25
27.48
25.3
23.31
25.95
25.03
Dvd Payout Ratio (%)
- -
- -
- -
- -
- -
15.57
12.25
15.27
13.52
13.12
Sustainable Growth Rate (%)
- -
24.68
4.91
49.12
42.87
17.65
34.83
24.45
24.37
21.77

Credit

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

Liquidity

2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 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
Long-Term Debt/Equity (%)
33.31
89.02
84.86
70.97
70.3
42.68
73.66
97.99
50.69
68.03
Long-Term Debt/Capital (%)
24.53
45.44
84.37
80.3
75.64
63
68.56
69.06
53.25
58.15
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
Total Debt/Equity (%)
33.31
94.42
84.86
70.97
70.3
42.68
73.66
97.99
51.83
68.03
Total Debt/Capital (%)
24.53
48.19
84.37
80.3
75.64
63
68.56
69.06
54.44
58.15
Total Debt/Total Assets (%)
2.53
10.96
11.56
9.34
9.55
5.38
9.2
10.19
5.78
7.82
CFO/Total Liabilities
-1.9
0.15
0.92
1.86
0.61
1.95
1.27
3.34
2.1
2.08
CFO/CapEx
-10.82
0.71
10.58
31.01
6.87
27.85
33.29
60.65
43.01
43.88
Altman's Z-Score
0.03
0.06
0.2
0.15
0.18
0.15
0.2
0.18
0.18
0.21

Working Capital

2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
Accounts Receivable Turnover
- -
18.51
23.19
23.94
21.8
15.86
15.35
13.15
10.4
9.54
Days Sales Outstanding
- -
19.71
15.74
15.25
16.75
23.02
23.78
27.75
35.08
38.25
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

2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
Market Capitalization
- -
- -
575
514
678
551
978
820
926
1,256
- Cash & Cash Equivalents
45
47
58
122
81
83
158
179
226
563
+ 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
Enterprise Value
-735
-268
333
47
-51
-625
-8
216
-129
269
Total Capital
256
750
461
575
697
546
899
1,087
943
1,277
Total Debt/Capital (%)
24.53
48.19
84.37
80.3
75.64
63
68.56
69.06
54.44
58.15
Total Debt / EV
-0.09
-1.35
1.17
9.81
-10.28
-0.55
-75.77
3.47
-3.97
2.76
EV/Sales
- -
- -
1.97
0.21
- -
- -
- -
0.68
- -
0.67
EV/EBITDA
- -
- -
40.23
8.44
- -
- -
- -
50.45
- -
53.46
EV/EBIT
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EV/Cash Flow to Firm
- -
- -
12.39
0.59
- -
- -
- -
0.98
- -
1.54
EV/Free Cash Flow to Firm
- -
- -
11.32
0.57
- -
- -
- -
0.97
- -
1.5
Diluted Market Cap
- -
- -
587
528
691
556
998
831
936
1,267
Diluted Enterprise Value
33
340
928
879
1,148
826
1,466
1,402
1,223
1,447
EV per Share
- -
- -
12.34
1.41
- -
- -
- -
5.85
- -
6.19
TTM Sales
90
113
169
222
263
269
304
320
384
404
TTM EBITDA
9
8
8
6
6
6
6
4
5
5
TTM Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
TTM Cash Flow to Firm
-43
4
27
80
29
109
74
220
166
175
TTM Free Cash Flow to Firm
-39
10
29
83
34
113
77
224
170
179

Multiples

2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
Price/Earnings
- -
- -
55.15
12.73
12.06
15.03
10.63
9.34
8.59
10.4
Price/Earnings Average
- -
- -
49.93
16.86
11.44
13.4
8.85
9.75
7.53
8.86
Price/Earnings High
- -
- -
61.21
20.43
13.65
21.49
11.65
12.28
9.65
11.83
Price/Earnings Low
- -
- -
49.23
12.68
10.91
8.43
5.96
8.49
6.09
7.09
Price/Book Value
- -
- -
9.32
5
4.25
2.88
3.59
2.44
2.16
2.35
Price/Book Value Average
- -
- -
8.44
6.62
4.03
2.57
2.99
2.55
1.89
2
Price/Book Value High
- -
- -
10.35
8.03
4.81
4.12
3.94
3.21
2.42
2.67
Price/Book Value Low
- -
- -
8.32
4.98
3.85
1.61
2.02
2.22
1.53
1.6
Price/Tangible Book Value
- -
- -
1.52
1.07
1.21
0.89
1.48
1.35
1.18
1.41
Price/Tangible Book Value Average
- -
- -
1.38
1.42
1.15
0.79
1.23
1.41
1.03
1.2
Price/Tangible Book Value High
- -
- -
1.69
1.73
1.37
1.27
1.62
1.78
1.32
1.6
Price/Tangible Book Value Low
- -
- -
1.36
1.07
1.1
0.5
0.83
1.23
0.83
0.96
Price/Sales
- -
- -
3.41
2.32
2.58
2.05
3.22
2.56
2.41
3.11
Price/Sales Average
- -
- -
3.09
3.07
2.44
1.83
2.68
2.67
2.12
2.65
Price/Sales High
- -
- -
3.78
3.72
2.92
2.93
3.53
3.37
2.71
3.54
Price/Sales Low
- -
- -
3.04
2.31
2.33
1.15
1.81
2.33
1.71
2.12
Price/Cash Flow
- -
- -
21.4
6.43
23.13
5.06
13.14
3.72
5.58
7.17
Price/Cash Flow Average
- -
- -
19.37
8.52
21.94
4.51
10.94
3.88
4.89
6.11
Price/Cash Flow High
- -
- -
23.75
10.33
26.18
7.23
14.4
4.89
6.27
8.16
Price/Cash Flow Low
- -
- -
19.1
6.41
20.93
2.84
7.37
3.38
3.95
4.89
Price/Free Cash Flow
- -
- -
19.97
6.4
20.57
4.92
13.01
3.71
5.51
7.07
Price/Free Cash Flow Average
- -
- -
18.08
8.48
19.51
4.38
10.83
3.87
4.83
6.03
Price/Free Cash Flow High
- -
- -
22.17
10.28
23.28
7.03
14.26
4.88
6.19
8.05
Price/Free Cash Flow Low
- -
- -
17.83
6.38
18.61
2.76
7.3
3.37
3.9
4.82
EV/Sales
- -
- -
1.97
0.21
- -
- -
- -
0.68
- -
0.67
EV/Sales Average
0.37
3.02
5.11
4.65
4.18
2.83
4.22
4.46
2.86
3.1
EV/Sales High
0.37
3.02
5.81
5.3
4.65
3.93
5.07
5.15
3.46
3.99
EV/Sales Low
0.37
3.02
5.07
3.89
4.07
2.15
3.35
4.11
2.46
2.57
EV/EBITDA
- -
- -
40.23
8.44
- -
- -
- -
50.45
- -
53.46
EV/EBITDA Average
3.74
42.19
104.2
184.91
172.18
117.58
214.08
332.76
242.63
248.27
EV/EBITDA High
3.74
42.19
118.41
210.79
191.65
163.38
257.06
384.52
293.27
319.71
EV/EBITDA Low
3.74
42.19
103.31
154.64
167.55
89.47
169.8
306.92
208.38
205.79
EV/EBIT
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EV/EBIT Average
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EV/EBIT High
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EV/EBIT Low
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Last Price
- -
- -
21.31
15.45
18.18
14.5
26
22.17
23.13
28.9
High Price
- -
- -
23.65
24.8
20.58
20.73
28.49
29.15
26
32.89
Low Price
- -
- -
19.02
15.39
16.45
8.13
14.59
20.15
16.4
19.7
Enterprise Value
-735
-268
333
47
-51
-625
-8
216
-129
269
Enterprise Value Average
33
340
861
1,032
1,100
762
1,283
1,427
1,099
1,249
Enterprise Value High
33
340
979
1,176
1,224
1,059
1,540
1,649
1,328
1,608
Enterprise Value Low
33
340
854
863
1,070
580
1,017
1,316
944
1,035

Per Share Data Items

2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
Shares Outstanding
28
28
29
36
38
39
38
37
44
44
Diluted Weighted Avg Shares
25
25
28
34
38
38
38
37
40
44
Basic Weighted Avg Shares
25
25
27
33
37
38
38
37
40
43
Revenue per Share
3.64
4.58
6.25
6.66
7.06
7.08
8.07
8.66
9.58
9.29
EBITDA per Share
0.36
0.33
0.31
0.17
0.17
0.17
0.16
0.12
0.11
0.12
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
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
Diluted EPS, GAAP
-0.6
2.66
0.38
1.18
1.48
0.96
2.4
2.34
2.67
2.75
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
Dividend per Share
- -
- -
0.42
0.02
0.02
0.17
0.32
0.37
0.36
0.36
Cash Flow per Share
-1.76
0.17
1
2.4
0.79
2.87
1.98
5.96
4.15
4.03
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
Cash & Equivalents per Share
32.98
26.58
23.79
28.22
33.98
40.25
42.87
36.62
39.17
39.8
Book Value per Share
7.22
14.73
2.29
3.09
4.27
5.03
7.23
9.09
10.73
12.3
Tangible Book Value per Share
5.08
11.58
13.98
14.38
15
16.37
17.56
16.42
19.64
20.56