Byline Bancorp Inc

Byline Bancorp Inc

BY · NYSE · Financial Services / Banks - Regional

39.20USD+0.13 (+0.33%)

Price History

Full chart

Market Stats

Previous Close39.07
Open39.15
Day Range38.93 – 39.60
52-Week Range25.20 – 40.03
Volume208.95K
Market Cap1.68B
P/E (TTM)11.18
Forward P/E9.59
EPS3.32
Dividend Yield1.51%
Beta0.71
50-Day Avg38.42
200-Day Avg34.02

About

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 the United States department of agriculture loans; and treasury management products and services, such as treasury services, information reporting, fraud management, cash collection, and interest rate derivative products. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services, including fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Roberto R. Herencia
  • Employees1.02K
  • Headquarters180 North LaSalle Street, Chicago, IL, United States, 60601, USA
  • Websitehttps://www.bylinebancorp.com

Leadership

  • Mr. Roberto R. HerenciaExecutive Chairman of the Board & CEO · b. 1960
  • Mr. Alberto J. ParacchiniPresident & Director · b. 1971
  • Mr. Thomas J. Bell IIIExecutive VP & CFO · b. 1966
  • Mr. Brogan M. PtacinExecutive VP & Head of Commercial Banking · b. 1961
  • Mr. Thomas AbrahamPresident of Small Business Capital · b. 1966
  • Ms. Maria Sherylle A. OlanoSenior VP & Chief Accounting Officer · b. 1979
  • Mr. Nicolas MandoExecutive VP, Chief Technology & Operations Officer · b. 1973
  • Mr. Brooks O. RennieHead of Investor Relations · b. 1994
  • Mr. Brian F. Doran Esq.Executive VP, General Counsel & Corporate Secretary · b. 1959
  • Ms. Dana RoseExecutive VP & Chief Human Resources Officer · b. 1971

Financials

Income Statement

Currency: USD2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue96.33M120.55M182.44M250.18M311.68M293.52M316.14M356.46M479.48M621.42M629.49M
Growth (%)-+25.14%+51.35%+37.13%+24.58%-5.83%+7.71%+12.75%+34.51%+29.60%+1.30%
Cost of Revenue13.60M18.10M26.54M47.14M69.24M80.93M13.51M60.11M54.86M244.92M213.27M
Gross Profit82.73M102.45M155.90M203.04M242.44M212.59M302.63M296.35M479.48M376.50M416.22M
Gross Margin85.89%84.99%85.45%81.16%77.79%72.43%95.73%83.14%100.00%60.59%66.12%
Operating Expense97.40M96.96M115.10M147.60M165.15M160.92M178.42M181.67M333.80M215.42M233.26M
Operating Income-14.67M5.48M40.79M55.44M77.30M51.67M124.21M114.68M145.68M161.08M182.96M
Operating Margin-15.23%4.55%22.36%22.16%24.80%17.60%39.29%32.17%30.38%25.92%29.06%
EBITDA-5.89M13.55M49.06M61.02M83.68M58.15M130.20M118.97M145.68M166.11M187.86M
EBITDA Margin-6.11%11.24%26.89%24.39%26.85%19.81%41.18%33.38%30.38%26.73%29.84%
Net Income-14.97M66.73M21.70M41.19M57.00M37.47M92.78M87.95M107.88M120.76M130.05M
Net Income Margin-15.54%55.36%11.89%16.47%18.29%12.76%29.35%24.67%22.50%19.43%20.66%
R&D--00-------
R&D as % of Total Revenue--0.00%0.00%-------
Interest Expense6.63M7.75M13.89M28.35M48.53M24.25M12.54M36.23M148.86M217.88M186.87M
Interest Expense % of Total Revenue6.88%6.43%7.61%11.33%15.57%8.26%3.97%10.16%31.05%35.06%29.69%

Balance Sheet

Currency: USD2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets2.48B3.30B3.37B4.94B5.52B6.39B6.70B7.36B8.88B9.50B9.65B
Total Liabilities2.29B2.91B2.91B4.29B4.77B5.59B5.86B6.60B7.89B8.41B8.38B
Total Equity188.27M382.66M458.58M650.67M750.12M805.46M836.38M765.82M990.15M1.09B1.27B
Cash44.88M46.53M58.35M121.86M80.74M83.42M157.93M179.35M226.14M563.14M60.18M
Total Debt100.08M378.54M420.34M495.93M576.97M385.79M1.15B1.40B553.78M774.65M564.95M
Net Debt17.83M332.01M361.99M374.07M446.60M302.37M472.21M572.08M327.64M211.51M504.76M

Cash Flow

Currency: USD2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-43.47M4.24M26.85M79.94M29.31M109.02M74.43M220.33M166.07M175.16M140.32M
Investing Cash Flow-188.93M-301.78M-61.63M-369.40M-250.56M-886.36M-236.05M-819.86M-336.24M-330.92M-223.59M
Financing Cash Flow120.64M299.20M46.60M352.98M180.13M780.01M236.13M620.95M216.96M492.76M-330.77M
Capital Expenditure4.02M5.95M2.54M2.58M4.27M3.92M2.24M3.63M3.86M3.99M4.00M
Free Cash Flow-47.49M-1.71M24.32M77.36M25.05M105.11M72.19M216.70M162.21M171.17M136.32M
Dividends Paid11.28M11.28M11.28M783.00K783.00K6.49M12.05M13.60M14.59M15.85M18.16M
FCF to OCF109.24%-40.42%90.55%96.77%85.44%96.41%97.00%98.35%97.68%97.72%97.15%
Dividend Paid to FCF-23.75%-658.70%46.38%1.01%3.13%6.18%16.69%6.27%8.99%9.26%13.32%

Earnings

Report DateMay 31, 2017Jul 27, 2017Oct 26, 2017Jan 25, 2018Apr 26, 2018Jul 26, 2018Oct 25, 2018Jan 24, 2019Apr 25, 2019Jul 25, 2019Oct 24, 2019Jan 23, 2020Apr 30, 2020Jul 23, 2020Oct 22, 2020Jan 28, 2021Apr 29, 2021Jul 29, 2021Oct 28, 2021Jan 27, 2022Apr 28, 2022Jul 28, 2022Oct 27, 2022Jan 26, 2023Apr 27, 2023Jul 27, 2023Oct 26, 2023Jan 25, 2024Apr 25, 2024Jul 25, 2024Oct 24, 2024Jan 23, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate0.000.210.220.230.270.280.340.390.340.400.400.380.270.040.210.270.360.460.560.580.470.520.580.590.630.630.630.670.640.630.650.610.620.670.720.720.750.790.81
EPS Actual0.250.240.320.240.210.320.400.490.380.410.410.420.090.240.340.380.570.770.690.690.580.540.610.670.650.700.770.730.700.680.700.690.650.750.830.760.830.91-
Surprise-14.29%45.45%4.35%-22.22%14.29%17.65%25.64%11.76%2.50%2.50%10.53%-66.67%500.00%61.90%40.74%58.33%67.39%23.21%18.97%23.40%3.85%5.17%13.56%3.17%11.11%22.22%8.96%9.38%7.94%7.69%13.11%4.84%11.94%15.28%5.56%10.67%15.19%-
Timing-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.68B
Enterprise Value2.09B
Trailing P/E11.18
Forward P/E9.59
PEG Ratio0.00
Price / Sales3.86
Price / Book1.28
EPS3.32
Book Value28.86
Revenue (TTM)434.46M
Gross Profit (TTM)434.46M
Profit Margin34.41%
Operating Margin50.38%
Return on Equity11.98%
Return on Assets1.52%
Shares Outstanding45.19M
Shares Float32.44M
Beta0.71
Dividend Yield1.51%
Dividend Rate0.56
Payout Ratio14.41%

Analyst Ratings

Buy
Based on 6 analystsTarget 43.20
  • Strong Buy
    2
  • Buy
    1
  • Hold
    3

Ownership Breakdown

Institutions
56.79%
Insiders
27.75%
Retail / Other
15.46%

Top Institutional Holders

  • BlackRock Inc
    3.29M7.29%
  • Dimensional Fund Advisors, Inc.
    2.42M5.37%
  • Vanguard Capital Management, LLC
    1.26M2.79%
  • State Street Corp
    1.03M2.28%
  • American Century Companies Inc
    1.01M2.24%
  • Boston Partners Global Investors, Inc
    883.69K1.96%
  • Federated Hermes Inc
    857.83K1.90%
  • FMR Inc
    826.07K1.83%
  • Geode Capital Management, LLC
    788.03K1.74%
  • AQR Capital Management LLC
    665.39K1.47%
  • T. Rowe Price Investment Management,Inc.
    614.71K1.36%
  • Ararat Capital Management, LP
    490.61K1.09%
  • Wellington Management Company LLP
    488.46K1.08%
  • JPMorgan Chase & Co
    459.42K1.02%

Top Fund Holders

  • Avantis US Small Cap Value ETF
    893.54K1.98%
  • iShares Russell 2000 ETF
    808.07K1.79%
  • Vanguard MStar Total Stk Mkt Idx Invest
    790.43K1.75%
  • T. Rowe Price Small-Cap Value
    692.69K1.53%
  • Federated Hermes MDT Small Cap Core IS
    645.95K1.43%
  • DFA US Small Cap Value I
    521.75K1.15%

Dividends

20264×
0.14Nov 3, 20260.14Aug 4, 20260.12May 5, 20260.12Feb 3, 2026
20254×
0.10Nov 4, 20250.10Aug 5, 20250.10May 6, 20250.10Feb 4, 2025
20244×
0.09Nov 5, 20240.09Aug 6, 20240.09May 6, 20240.09Feb 5, 2024
20234×
0.09Nov 6, 20230.09Aug 7, 20230.09May 8, 20230.09Feb 6, 2023
20224×
0.09Nov 7, 20220.09Aug 8, 20220.09May 6, 20220.09Feb 7, 2022
20214×
0.09Nov 8, 20210.09Aug 9, 20210.06May 10, 20210.06Feb 8, 2021