Byline Bancorp, Inc.

Byline Bancorp, Inc.

BYยทNYSE

$32.74

-2.0%
Financial ServicesBanks - Regional

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. It operates through 43 branch locations in the Chicago metropolitan area and one branch in Brookfield, Wisconsin. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.

At a Glance

Live Snapshot
Market Cap$1.49B
EPS2.9000
P/E Ratio11.29
Earnings Date07/23/2026
3Y-36.0%
5Y+29.0%
10Y+3213.0%
3Y-73.0%
5Y-75.0%
10Y-26.0%
3Y-153.0%
5Y-142.0%
10Y-211.0%
BY

Byline Bancorp, Inc. Cash Conversion Engine

BY ยท NYSE
Net Income130.05M
Depreciation & Amortization4.55M
Stock-Based Compensation9.28M
Change in Working Capital26.76M
Others-38.09M
Capital Expenditures-4.00M
Free Cash Flow136.32M

Cash Flow Quality Analysis

FCF Conversion Rate

104.8%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

2.8%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-20.4%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

+$26.76M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Byline Bancorp, Inc. Cash Flow Statement

BY โ€ข NYSE

Byline Bancorp, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015
OPERATING ACTIVITIES
130.1M
120.8M
107.9M
88M
92.8M
37.5M
57M
41.2M
21.7M
66.7M
-15M
4.6M
5M
4.5M
4.3M
6M
6.5M
6.4M
5.6M
8.3M
8.1M
8.8M
7.8M
-2.6M
26.6M
25.6M
-60K
-9.1M
-882K
15.4M
16.6M
-61.5M
0.0
9.3M
7.9M
6.7M
5.3M
4M
2.6M
1.7M
1.5M
1.5M
899K
1M
-38.1M
-18.7M
28.7M
60.4M
17.3M
38.9M
-16.2M
25.4M
-9.8M
799K
-29.3M
(36.2M)
(12.5M)
(12.2M)
(28.7M)
(34.8M)
(14.4M)
(19.4M)
(3.5M)
(2.8M)
(0.0)
(0.0)
26.8M
62.8M
-8.4M
36.8M
-45.6M
32.7M
-18.7M
-9.2M
-11.4M
-10.8M
-9M
140.3M
175.2M
166.1M
220.3M
74.4M
109M
29.3M
79.9M
26.9M
4.2M
-43.5M
INVESTING ACTIVITIES
-4M
-4M
-3.9M
-3.6M
-2.2M
-3.9M
-4.3M
-2.6M
-2.5M
-5.9M
-4M
(61.8M)
(0.0)
(7.8M)
(0.0)
(0.0)
(0.0)
(4.3M)
(20.4M)
(0.0)
-11.3M
(0.0)
-182.6M
-352.4M
-185.5M
-104.1M
-645.5M
-977.8M
-549.9M
-206M
-53.5M
-617M
-977.3M
357.5M
274.9M
277.8M
190.6M
681.9M
645.6M
319.9M
107.6M
97.6M
766.1M
773.6M
-456.3M
-249.5M
-432.4M
-902.7M
-270.2M
-550.2M
-20.6M
-288.7M
-103.3M
-433.7M
18.7M
-223.6M
-330.9M
-336.2M
-819.9M
-236M
-886.4M
-250.6M
-369.4M
-61.6M
-301.8M
-188.9M
FINANCING ACTIVITIES
-21.8M
4.5M
1.8M
-15.8M
-26.7M
2M
3.7M
2.5M
76.8M
49.6M
0.0
-247.8M
232.1M
-310.4M
135M
-115.9M
187.7M
54M
63.5M
27.4M
286.6M
38M
-18.2M
-15.8M
-14.6M
-13.6M
-12.1M
-6.5M
-783K
-783K
-11.3M
(0.0)
(0.0)
-23.7M
(0.0)
(0.0)
-17.3M
-28.9M
-1.7M
(0.0)
(0.0)
-15M
(0.0)
(0.0)
-43M
272M
540.2M
525.8M
390.8M
596.9M
123.1M
290.2M
-32.3M
-46.4M
82.6M
-330.8M
492.8M
217M
620.9M
236.1M
780M
180.1M
353M
46.6M
299.2M
120.6M
CASH FLOW SUMMARY
-414M
337M
46.8M
21.4M
74.5M
2.7M
-41.1M
63.5M
11.8M
1.6M
-111.8M
563.1M
226.1M
179.4M
157.9M
83.4M
80.7M
121.9M
58.3M
46.5M
44.9M
156.7M
149.1M
563.1M
226.1M
179.4M
157.9M
83.4M
80.7M
121.9M
58.3M
46.5M
44.9M
136.3M
171.2M
162.2M
216.7M
72.2M
105.1M
25M
77.4M
24.3M
-1.7M
-47.5M

SEC Filings

BY - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

June 03, 2026
June 02, 2026
2026
8-K

8-K 2026

N/A

May 22, 2026
May 22, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 01, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 20, 2026
April 17, 2026
2026
10-K

10-K 2025 FY

FY

February 27, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2025

N/A

December 11, 2025
December 11, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 07, 2025
September 30, 2025
2025
S-4/A

S-4/A (Amended)

N/A

October 31, 2025
October 31, 2025
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