Byline Bancorp, Inc. Financial Ratios — 44F 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
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	25.16	2.59	7.43	8.15	4.78	11.35	11.03	12.29	11.6	11.02
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 (%)	- -	- -	2.73	4.2	4.77	3.09	7.13	5.93	7.15	7.24	7.23
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 (%)	- -	25.16	2.59	7.43	8.15	4.04	9.96	9.34	10.63	10.08	9.48

Credit (USD)

Credit Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.99	10.84	13.31	12.95	13.4	12.44	12.33	10.4	11.15	11.49	13.14
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 (%)	24.99	45.79	45.91	41.51	41.28	29.91	42.42	49.49	33.39	40.49	28.09
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 (%)	24.99	48.56	45.91	41.51	41.28	29.91	42.42	49.49	34.14	40.49	28.09
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 (%)	8.65	45.13	41.91	34.31	37.32	24.43	34.18	41.64	21.36	13.26	20.83
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.99	10.84	13.31	12.95	13.4	12.44	12.33	10.4	11.15	11.49	13.14
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 (%)	24.99	45.79	45.91	41.51	41.28	29.91	42.42	49.49	33.39	40.49	28.09
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 (%)	24.99	48.56	45.91	41.51	41.28	29.91	42.42	49.49	34.14	40.49	28.09
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	579	1,039	871	1,049	1,163	1,334
- 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	- -	- -	- -	- -	- -	-597	53	268	-7	-74	489
Total Capital	251	744	848	1,112	1,277	1,149	1,452	1,516	1,503	1,834	1,763
Total Debt/Capital (%)	24.99	48.56	45.91	41.51	41.28	29.91	42.42	49.49	34.14	40.49	28.09
Total Debt / EV	- -	- -	- -	- -	- -	-0.58	11.61	2.8	-75.42	-10.1	1.01
EV/Sales	- -	- -	- -	- -	- -	- -	0.17	0.84	- -	- -	1.11
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.71	1.22	- -	- -	3.49
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.74	1.24	- -	- -	3.59
Diluted Market Cap	- -	- -	- -	- -	- -	575	1,057	871	969	1,147	1,320
Diluted Enterprise Value	- -	- -	- -	- -	- -	-602	71	268	-86	-89	475
EV per Share	- -	- -	- -	- -	- -	- -	1.4	7.11	- -	- -	10.69
TTM Sales	90	113	169	222	263	269	304	320	384	404	442
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	27	80	29	109	74	220	166	175	140
TTM Free Cash Flow to Firm	- -	- -	24	77	25	105	72	217	162	171	136

Multiples (USD)

Valuation Multiples API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	5.47	14.64	4.02	5.97	6.7	9.68
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	-597	53	268	-7	-74	489
Low Price	- -	- -	- -	- -	- -	8.17	14.45	20.04	16.64	19.59	21.61
EV/Sales	- -	- -	- -	- -	- -	- -	0.17	0.84	- -	- -	1.11
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	15.55	11.26	9.79	8.89	9.41	10.09
Price/Earnings Average	- -	- -	- -	- -	- -	13.68	9.28	10.16	7.69	8.83	9.28
Price/Earnings High	- -	- -	- -	- -	- -	20.68	11.63	12.18	9.53	11.68	11.46
Price/Earnings Low	- -	- -	- -	- -	- -	8.51	5.94	8.48	6.21	7.08	7.48
Price/Book Value	- -	- -	- -	- -	- -	0.73	1.26	1.14	1.06	1.07	1.05
Price/Book Value Average	- -	- -	- -	- -	- -	0.64	1.04	1.18	0.92	1	0.97
Price/Book Value High	- -	- -	- -	- -	- -	0.97	1.3	1.42	1.13	1.32	1.19
Price/Book Value Low	- -	- -	- -	- -	- -	0.4	0.66	0.99	0.74	0.8	0.78
Price/Tangible Book Value	- -	- -	- -	- -	- -	0.93	1.57	1.44	1.33	1.3	1.25
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	0.82	1.3	1.49	1.15	1.22	1.15
Price/Tangible Book Value High	- -	- -	- -	- -	- -	1.24	1.62	1.79	1.43	1.62	1.42
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	0.51	0.83	1.24	0.93	0.98	0.93
Price/Sales	- -	- -	- -	- -	- -	2.12	3.41	2.68	2.5	2.82	2.97
Price/Sales Average	- -	- -	- -	- -	- -	1.86	2.81	2.78	2.16	2.64	2.73
Price/Sales High	- -	- -	- -	- -	- -	2.82	3.52	3.34	2.68	3.49	3.38
Price/Sales Low	- -	- -	- -	- -	- -	1.16	1.8	2.33	1.75	2.12	2.2
Price/Cash Flow	- -	- -	- -	- -	- -	5.23	13.92	3.9	5.78	6.49	9.35
Price/Cash Flow Average	- -	- -	- -	- -	- -	4.6	11.47	4.05	5	6.09	8.6
Price/Cash Flow High	- -	- -	- -	- -	- -	6.96	14.37	4.85	6.19	8.05	10.62
Price/Cash Flow Low	- -	- -	- -	- -	- -	2.86	7.34	3.38	4.03	4.88	6.93
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	4.81	12.06	4.17	5.17	6.29	8.91
Price/Free Cash Flow High	- -	- -	- -	- -	- -	7.27	15.12	5	6.4	8.32	11
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	2.99	7.72	3.48	4.17	5.04	7.18
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	0.94	- -	- -	0.87
EV/Sales High	- -	- -	- -	- -	- -	- -	0.29	1.5	0.18	0.51	1.52
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	0.47	- -	- -	0.33
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	14.93	27.42	23.13	23.84	26.03	29.14
High Price	- -	- -	- -	- -	- -	19.85	28.3	28.78	25.54	32.3	33.1
Enterprise Value Average	- -	- -	- -	- -	- -	-667	-130	301	-149	-145	382
Enterprise Value High	- -	- -	- -	- -	- -	-406	87	481	68	207	671
Enterprise Value Low	- -	- -	- -	- -	- -	-859	-438	152	-323	-361	145

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	29	29	29	37	38	39	38	38	44	45	46
Diluted Weighted Avg Shares	25	25	28	34	38	39	39	38	41	44	45
Basic Weighted Avg Shares	25	25	27	33	37	38	38	37	40	44	45
Revenue per Share	3.62	4.55	6.22	6.63	7.02	7.05	8.03	8.62	9.53	9.24	9.81
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.6	2.69	0.38	1.21	1.5	0.96	2.43	2.36	2.68	2.77	2.89
Basic EPS from Cont Ops	-0.6	2.69	0.8	1.23	1.52	0.98	2.45	2.37	2.68	2.77	2.89
Diluted EPS, GAAP	-0.59	2.64	0.38	1.18	1.47	0.95	2.39	2.33	2.65	2.74	2.87
Diluted EPS from Cont Ops	-0.59	2.64	0.78	1.2	1.49	0.97	2.41	2.34	2.65	2.74	2.87
Dividend per Share	- -	- -	0.42	0.02	0.02	0.17	0.32	0.37	0.36	0.36	0.4
Cash Flow per Share	-1.76	0.17	0.99	2.39	0.78	2.85	1.97	5.93	4.13	4.01	3.12
Free Cash Flow per Basic Share	-1.92	-0.07	0.9	2.31	0.67	2.75	1.91	5.83	4.03	3.92	3.03
Cash & Equivalents per Share	28.48	22.96	21.78	25.72	32.96	39.44	42.55	35.93	35.67	44.29	29.27
Book Value per Share	6.07	12.52	15.21	17.53	19.24	20.49	21.79	20.33	22.51	24.43	27.7
Tangible Book Value per Share	4.39	10	12.79	13.11	14.55	16.04	17.42	16.11	17.89	20	23.32