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Byline Bancorp, Inc.

BY

Byline Bancorp, Inc. • NYSE
$27.92 ▼ -0.71% (-0.20)
Market Cap $1.28 B
52w High $32.05
52w Low $22.63
Dividend Yield 0.40%
P/E 9.97
Volume 109.86K
Outstanding Shares 45.82M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $162.58M ▲ $58.627M ▼ $37.2M ▲ 22.881% ▲ $0.82 ▲ $51.059M ▲
Q2-2025 $158.116M ▲ $58.708M ▲ $30.082M ▲ 19.025% ▲ $0.66 ▲ $40.04M ▲
Q1-2025 $148.845M ▼ $55.56M ▼ $28.248M ▼ 18.978% ▼ $0.65 ▼ $38.63M ▼
Q4-2024 $154.438M ▼ $56.117M ▲ $30.32M ▼ 19.632% ▲ $0.69 ▼ $41.566M ▲
Q3-2024 $160.044M $53.55M $30.328M 18.95% $0.7 $41.285M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.492B ▲ $9.812B ▲ $8.575B ▲ $1.238B ▲
Q2-2025 $252.948M ▼ $9.72B ▲ $8.528B ▲ $1.192B ▲
Q1-2025 $1.689B ▼ $9.585B ▲ $8.454B ▲ $1.131B ▲
Q4-2024 $1.729B ▼ $9.497B ▲ $8.405B ▲ $1.091B ▼
Q3-2024 $1.955B $9.424B $8.328B $1.096B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $37.2M ▲ $38.346M ▲ $-31.93M ▼ $34.25M ▲ $40.666M ▲ $37.965M ▲
Q2-2025 $30.082M ▲ $16.267M ▼ $-16.197M ▲ $-203.034M ▼ $-202.964M ▼ $15.179M ▼
Q1-2025 $28.248M ▼ $27.059M ▼ $-217.963M ▼ $49.08M ▼ $-141.824M ▼ $25.047M ▼
Q4-2024 $30.32M ▼ $52.885M ▲ $-188K ▲ $57.845M ▲ $110.542M ▲ $50.785M ▲
Q3-2024 $30.328M $19.793M $-46.529M $-251.125M $-277.861M $19.144M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Bank Servicing
Bank Servicing
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Byline’s earnings profile looks steady and gradually improving over the past few years. Revenue and profit both drift higher rather than swinging wildly, which is usually what you want to see from a regional bank. Profit margins appear reasonably solid and have strengthened meaningfully since the difficult 2020 period. Earnings per share have climbed over time, which suggests that growth is not just coming from getting bigger, but also from becoming more efficient. Overall, the income statement points to a bank that has grown into a more stable, consistently profitable franchise after the pandemic shock.

Balance Sheet

Balance Sheet The balance sheet shows a bank that has been steadily growing in size while also building its capital base. Total assets have increased each year, reflecting loan and franchise growth, and cash levels have moved up as well, giving more flexibility and liquidity than a few years ago. Debt has risen but is matched by higher equity, so the capital cushion has actually thickened over time rather than thinned out. This combination suggests a generally prudent approach to balance sheet expansion, although it still depends on the quality of the underlying loans and deposits.

Cash Flow

Cash Flow Cash generation looks consistently positive, which is important for a bank that wants to fund growth and maintain resilience without constantly leaning on outside capital. Operating cash flow has been reliably in the black, and because the business is not very capital‑expenditure‑intensive, most of that drops through to free cash flow. In simple terms, the bank appears to be self-funding its growth and investments, rather than stretching its finances, which adds to financial flexibility in tougher environments.

Competitive Edge

Competitive Edge Byline’s edge comes from being a specialist rather than a generalist. It has a strong reputation in government‑guaranteed small business lending, where experience and speed really matter. Its long roots in the Chicago market give it deep relationships with local businesses and a relatively loyal deposit base, which can be a real advantage in a world where customers can easily move money with a few clicks. Strategic acquisitions have helped extend its reach and diversify its book. On the other hand, it still competes against much larger national banks and fast-moving digital players, and its focus on small businesses means it is exposed to that segment’s economic ups and downs.

Innovation and R&D

Innovation and R&D For a regional bank, Byline is leaning quite hard into innovation. It is upgrading its digital banking platform to make everyday banking smoother and to enable new products to be rolled out more quickly. At the same time, it is pushing into fintech enablement, offering sponsorship and embedded payments services that let technology firms build financial products on top of Byline’s infrastructure. Its specialized small-business offerings, including faster decisioning tools, aim to blend technology with relationship banking. The big question is execution: these initiatives can deepen its moat and diversify revenue, but they also carry technology, regulatory, and partnership risks if not managed carefully.

Summary

Byline Bancorp looks like a steadily maturing regional bank with a clear niche in small business and government‑backed lending, supported by a healthier earnings profile than it had a few years ago. The balance sheet has grown while capital and liquidity have also improved, and cash flows suggest the business is funding itself responsibly. Competitively, its mix of SBA expertise, community roots, and targeted acquisitions provides differentiation, though it remains exposed to small‑business credit cycles and intense competition from larger and digital banks. Its push into digital banking and fintech sponsorship is a notable swing toward innovation that could broaden its revenue base over time, but it introduces new execution and regulatory complexities that will need close watching.

NEWS

October 23, 2025 · 4:10 PM UTC

Byline Bancorp, Inc. Reports Third Quarter 2025 Financial Results

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October 7, 2025 · 3:26 PM UTC

Chicago Sun-Times Names Byline Bank a 2025 Chicago's Best Workplace

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October 3, 2025 · 7:00 AM UTC

Byline Bancorp, Inc. to Announce Third Quarter 2025 Financial Results on Thursday, October 23

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