$32.74
-2.0%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.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
BY โข NYSE
| Byline Bancorp, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 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 |
BY - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 | ย |
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