Byline Bancorp, Inc. - Understand $by stock

$BY Market Cap: $1.384 Billion

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Financial Snapshot

Revenue

$426.3M

TTM

Gross Margin

Net Earnings

$120.0M

TTM

Current Assets

Current Liabilities

$166.6M

Q3 2024

Current Ratio

Total Assets

$9.424B

Q3 2024

Total Liabilities

$8.328B

Q3 2024

Book Value

$1.096B

Q3 2024

Cash

$452.6M

Q3 2024

P/E

11.53

Nov 29, 2024 EST

Free Cash Flow

$114.4M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Revenue	$479.5M	$301.6M	$248.9M	$239.2M	$264.8M	$207.0M	$136.8M	$98.37M
YoY Change	59.0%	21.14%	4.05%	-9.66%	27.96%	51.28%	39.08%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016
Revenue	$479.5M	$301.6M	$248.9M	$239.2M	$264.8M	$207.0M	$136.8M	$98.37M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$12.51M	$10.96M	$13.00M	$14.00M	$14.10M	$11.20M	$8.300M	$8.100M	$8.800M
YoY Change	14.17%	-15.7%	-7.14%	-0.71%	25.89%	34.94%	2.47%	-7.95%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017
Interest Expense	$148.9M	$36.23M	$12.54M	$24.25M	$48.53M	$28.35M	$13.89M
YoY Change	310.88%	188.93%	-48.3%	-50.03%	71.2%	104.06%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Pretax Income	$145.7M	$114.7M	$124.2M	$51.67M	$77.30M	$55.44M	$40.79M	$5.484M	-$14.67M
YoY Change	27.03%	-7.67%	140.41%	-33.16%	39.42%	35.9%	643.87%	-137.39%	1028.23%
Income Tax	$37.80M	$26.73M	$31.43M	$14.20M	$20.29M	$14.25M	$19.10M	-$61.25M	$307.0K
% Of Pretax Income	25.95%	23.31%	25.3%	27.48%	26.25%	25.7%	46.82%	-1116.79%
Net Earnings	$107.9M	$87.76M	$92.79M	$37.47M	$57.00M	$41.19M	$21.70M	$66.73M	-$14.97M
YoY Change	22.93%	-5.42%	147.64%	-34.27%	38.38%	89.87%	-67.49%	-545.63%	1051.85%
Net Earnings / Revenue	22.5%	29.1%	37.27%	15.66%	21.53%	19.9%	15.86%	67.84%
Basic Earnings Per Share	$2.69	$2.37	$2.45	$0.96	$1.51	$1.21	$0.39	$3.31	-$0.86
Diluted Earnings Per Share	$2.67	$2.342M	$2.40	$0.96	$1.48	$1.18	$0.38	$3.27	-$0.86

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$79.10M	$56.80M	$74.20M	$86.70M	$96.10M	$97.70M	$95.20M	$102.1M	$115.2M
YoY Change	39.27%	-23.45%	-14.42%	-9.78%	-1.64%	2.63%	-6.76%	-11.37%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$54.54M	$68.21M	$59.50M	$53.20M	$53.70M	$50.10M	$59.70M	$82.50M	$2.300M
YoY Change	-20.04%	14.64%	11.84%	-0.93%	7.19%	-16.08%	-27.64%	3486.96%
Total Long-Term Assets
YoY Change
Total Assets	$8.882B	$7.363B	$6.696B	$6.391B	$5.522B	$4.943B	$3.366B	$3.296B	$2.480B
YoY Change
Accounts Payable	$22.23M	$4.494M	$300.0K	$1.500M	$3.700M	$3.500M	$1.300M	$2.400M	$1.100M
YoY Change	394.73%	1398.0%	-80.0%	-59.46%	5.71%	169.23%	-45.83%	118.18%
Accrued Expenses	$153.1M	$150.6M	$74.30M	$74.00M	$34.90M	$36.60M	$41.60M	$41.30M	$34.50M
YoY Change	1.66%	102.66%	0.41%	112.03%	-4.64%	-12.02%	0.73%	19.71%
Deferred Revenue
YoY Change
Short-Term Debt	$40.61M	$15.40M	$29.70M	$413.9M	$49.60M	$34.20M	$31.20M	$17.20M	$12.70M
YoY Change	163.7%	-48.15%	-92.82%	734.48%	45.03%	9.62%	81.4%	35.43%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$215.9M	$150.6M	$74.60M	$75.50M	$38.60M	$40.10M	$42.90M	$43.70M	$35.60M
YoY Change	43.39%	101.84%	-1.19%	95.6%	-3.74%	-6.53%	-1.83%	22.75%
Long-Term Debt	$173.9M	$751.4M	$110.4M	$109.8M	$37.30M	$36.80M	$27.60M	$47.60M	$24.70M
YoY Change	-76.86%	580.64%	0.55%	194.37%	1.36%	33.33%	-42.02%	92.71%
Other Long-Term Liabilities					$8.500M	$6.000M	$1.000M	$600.0K	$0.00
YoY Change					41.67%	500.0%	66.67%
Total Long-Term Liabilities	$173.9M	$751.4M	$110.4M	$109.8M	$45.80M	$42.80M	$28.60M	$48.20M	$24.70M
YoY Change	-76.86%	580.64%	0.55%	139.74%	7.01%	49.65%	-40.66%	95.14%
Total Liabilities	$7.892B	$6.597B	$5.860B	$5.585B	$4.772B	$4.292B	$2.908B	$2.913B	$2.292B
YoY Change	19.63%	12.58%	4.92%	17.05%	11.18%	47.61%	-0.19%	27.13%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015
Basic Shares Outstanding	40.05M	36.97M	37.61M	38.03M	37.29M	33.29M	26.96M	20.14M	17.33M
Diluted Shares Outstanding	40.45M	37.48M	38.37M	38.31M	37.99M	34.18M	27.55M	20.43M	17.33M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $1.3844 Billion

About BYLINE BANCORP, INC.

Byline Bancorp, Inc. is a holding company, which engages in business through its subsidiary, Byline Bank, a full services commercial bank. The company is headquartered in Chicago, Illinois and currently employs 1,036 full-time employees. The company went IPO on 2017-06-29. The firm conducts all its business activities through its subsidiary, Byline Bank, a full-service commercial bank, and Byline Bank’s subsidiaries. The company offers a range of banking products and services to small and medium-sized businesses, commercial real estate and financial sponsors and to consumers who generally live or work near its branches. The company also offers online account opening to consumer and business customers through its Website and provides trust and wealth management services to its customers. In addition to its traditional commercial banking business, it provides small ticket equipment leasing solutions through Byline Financial Group, a wholly owned subsidiary of Byline Bank. The company offers a range of commercial loan, deposit and treasury management products. Its primary commercial lending groups include commercial and industrial, commercial real estate, sponsor finance, commercial deposits and treasury management and others.

Industry: State Commercial Banks Peers: Amerant Bancorp Inc. Stellar Bancorp, Inc. COMMUNITY TRUST BANCORP INC /KY/ FARMERS & MERCHANTS BANCORP GREAT SOUTHERN BANCORP, INC. HORIZON BANCORP INC /IN/ PEOPLES BANCORP INC PNC FINANCIAL SERVICES GROUP, INC. WASHINGTON TRUST BANCORP INC