Byline Bancorp, Inc. (BY) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Byline Bancorp reported revenue of $446.3M, up 9.7% from $406.9M the year before. Net income was $130.1M (a 29.1% net margin), or $2.89 per diluted share. Net interest income was $385.3M, and the efficiency ratio (noninterest expense / revenue) was 53.1%. Operating activities generated $140.3M of cash, leaving $136.3M of free cash flow. At fiscal year end, Byline Bancorp held $9.65B in total assets against $8.38B in total liabilities, including $149.1M of cash and equivalents.
Open the full interactive Byline Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Byline Bancorp Key Stats
| Share Price | $36.74 |
|---|---|
| Market Cap | $1.65B |
| P/E Ratio | 12.7 |
| Revenue YoY Growth | +9.7% |
| 52-Week Range | $25.35 – $39.75 |
| Shares Outstanding | 44.6 million (basic, 2026 Q2) |
Byline Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $215.0M | $236.4M | $265.3M | $330.6M | $348.0M | $385.3M |
| Provision for Credit Losses | $55.9M | $1.5M | $22.7M | $32.2M | $27.0M | $35.8M |
| Noninterest Income | $62.1M | $74.3M | $57.3M | $56.3M | $58.9M | $60.9M |
| Noninterest Expense | $169.4M | $185.0M | $184.1M | $209.6M | $218.8M | $236.9M |
| Revenue | $277.0M | $310.6M | $322.6M | $386.9M | $406.9M | $446.3M |
| Pre-Tax Income | $51.7M | $124.2M | $114.7M | $145.7M | $161.1M | $173.3M |
| Income Tax | $14.2M | $31.4M | $26.7M | $37.8M | $40.3M | $43.2M |
| Net Income | $37.5M | $92.8M | $88.0M | $107.9M | $120.8M | $130.1M |
| Diluted EPS | $0.96 | $2.40 | $2.34 | $2.67 | $2.75 | $2.89 |
Byline Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $115.7M | $117.0M | $112.4M | $117.7M |
| Net Income | $37.2M | $34.5M | $37.6M | $40.2M |
| Diluted EPS | $0.82 | $0.77 | $0.83 | $0.90 |
Byline Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $83.4M | $157.9M | $179.4M | $226.1M | $563.1M | $149.1M |
| Loans (Net) | $4.27B | $4.48B | $5.34B | $6.58B | — | — |
| Total Assets | $6.39B | $6.70B | $7.36B | $8.88B | $9.50B | $9.65B |
| Deposits | $4.75B | $5.16B | $5.70B | $7.18B | $7.46B | $7.65B |
| Total Long-Term Debt | $991.7M | $1.12B | $1.38B | $875.8M | $1.34B | $904.9M |
| Total Liabilities | $5.59B | $5.86B | $6.60B | $7.89B | $8.41B | $8.38B |
| Shareholders' Equity | $805.5M | $836.4M | $765.8M | $990.2M | $1.09B | $1.27B |
Byline Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $109.0M | $74.4M | $220.3M | $166.1M | $175.2M | $140.3M |
| Cash From Investing | -$886.4M | -$236.0M | -$819.9M | -$336.2M | -$330.9M | -$223.6M |
| Cash From Financing | $780.0M | $236.1M | $620.9M | $217.0M | $492.8M | -$330.8M |
| Free Cash Flow | $105.1M | $72.2M | $216.7M | $162.2M | $171.2M | $136.3M |
Figures from Byline Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Byline Bancorp financials page for every line item.
Byline Bancorp Company Profile
| Ticker | BY |
|---|---|
| Exchange | NYSE |
| Industry | State Commercial Banks |
| Headquarters | Chicago, Illinois |
| Incorporated in | Delaware |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001702750 |
Frequently Asked Questions
What was Byline Bancorp's revenue in fiscal 2025?
Byline Bancorp (BY) reported revenue of $446.3M for fiscal 2025.
What is Byline Bancorp's annual revenue history?
Byline Bancorp's annual revenue by fiscal year: 2020: $277.0M; 2021: $310.6M; 2022: $322.6M; 2023: $386.9M; 2024: $406.9M; 2025: $446.3M.
What was Byline Bancorp's net income in fiscal 2025?
Byline Bancorp reported net income of $130.1M for fiscal 2025.
What was Byline Bancorp's earnings per share (EPS) in fiscal 2025?
Byline Bancorp's diluted EPS was $2.89 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Byline Bancorp generate in fiscal 2025?
Byline Bancorp generated $136.3M of free cash flow in fiscal 2025.
What was Byline Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Byline Bancorp reported revenue of $117.7M.
How much debt does Byline Bancorp have?
Byline Bancorp reported $904.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Byline Bancorp are outstanding?
Byline Bancorp reported a weighted average of 44.6 million basic shares outstanding in 2026 Q2.
What is Byline Bancorp's market cap?
Based on its latest closing price, Byline Bancorp (BY) has a market capitalization of about $1.65B.
Where is Byline Bancorp headquartered?
Byline Bancorp lists its business address in Chicago, Illinois in its SEC filings.