BY (Byline Bancorp, Inc.) Stock Financials & Earnings | Market Cap Arena

BY (Byline Bancorp, Inc.) Stock Financials & Earnings | Market Cap Arena

BYByline Bancorp, Inc.

Mkt Cap$1B

Financial Services·Banks - Regional·🇺🇸 United States·NYSE

Revenue (TTM)$629M

Net Income (TTM)$130M

EPS (TTM)$2.89

Free Cash Flow (TTM)$199M

Gross Margin66.1%

Op. Margin29.1%

Net Margin20.7%

FCF Margin31.6%

P/S Ratio (TTM)2.3x

P/E Ratio (TTM)11.0x

YoY Rev Growth+1.3%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$114M	$80M	$32M
Q2 23	$121M	$84M	$35M
Q3 23	$148M	$95M	$38M
Q4 23	$149M	$93M	$40M
Q1 24	$153M	$94M	$41M
Q2 24	$154M	$93M	$40M
Q3 24	$160M	$94M	$40M
Q4 24	$154M	$96M	$40M
Q1 25	$149M	$93M	$37M
Q2 25	$158M	$98M	$39M
Q3 25	$163M	$109M	$50M
Q4 25	$160M	$117M	$57M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	3.7x	15.9x
Q2 23	3.3x	15.0x
Q3 23	2.9x	14.1x
Q4 23	2.7x	13.2x
Q1 24	2.5x	12.5x
Q2 24	2.4x	12.1x
Q3 24	2.3x	11.9x
Q4 24	2.3x	11.8x
Q1 25	2.3x	12.0x
Q2 25	2.3x	12.0x
Q3 25	2.3x	11.3x
Q4 25	2.3x	11.0x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	$49M	$49M
Q2 23	$43M	$42M
Q3 23	$79M	$77M
Q4 23	-$5M	-$6M
Q1 24	$62M	$62M
Q2 24	$40M	$39M
Q3 24	$20M	$19M
Q4 24	$53M	$51M
Q1 25	$27M	$25M
Q2 25	$16M	$15M
Q3 25	$38M	$38M
Q4 25	$126M	$121M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$281K
Q2 23	$1M
Q3 23	$1M
Q4 23	$1M
Q1 24	$512K
Q2 24	$731K
Q3 24	$649K
Q4 24	$2M
Q1 25	$2M
Q2 25	$1M
Q3 25	$381K
Q4 25	$5M

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+39.2%	+53.5%
Q2 23	+51.7%	+59.7%
Q3 23	+62.5%	+81.4%
Q4 23	+44.1%	+47.4%
Q1 24	+34.1%	+37.3%
Q2 24	+27.3%	+33.0%
Q3 24	+8.1%	+9.2%
Q4 24	+3.4%	+4.3%
Q1 25	-2.8%	-1.1%
Q2 25	+2.9%	+4.9%
Q3 25	+1.6%	-6.1%
Q4 25	+3.6%	-9.4%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$2M	1.3%
Q2 23	$2M	1.4%
Q3 23	$2M	1.2%
Q4 23	$2M	1.2%
Q1 24	$2M	1.2%
Q2 24	$2M	1.2%
Q3 24	$2M	1.2%
Q4 24	$2M	1.5%
Q1 25	$2M	1.3%
Q2 25	$2M	1.5%
Q3 25	$2M	1.4%
Q4 25	$16M	9.8%

OpEx Breakdown

Quarter	G&A	S&M
Q1 23	$30M	—
Q2 23	$30M	—
Q3 23	$35M	—
Q4 23	$36M	—
Q1 24	$34M	—
Q2 24	$34M	—
Q3 24	$35M	—
Q4 24	$37M	$5M
Q1 25	$36M	—
Q2 25	$5M	—
Q3 25	$37M	—
Q4 25	$54M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 23	$284M	$1.2B	$1.4B
Q2 23	$320M	$1.1B	$1.4B
Q3 23	$429M	$1.2B	$1.7B
Q4 23	$226M	$1.3B	$1.6B
Q1 24	$637M	$1.4B	$2.0B
Q2 24	$730M	$1.4B	$2.1B
Q3 24	$453M	$1.5B	$2.0B
Q4 24	$563M	$1.2B	$1.7B
Q1 25	$421M	$1.3B	$1.7B
Q2 25	$218M	$35M	$253M
Q3 25	$259M	$1.2B	$1.5B
Q4 25	$60M	$1.4B	$1.5B

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	38M	+0.5%
Q2 23	37M	-0.5%
Q3 23	43M	+16.4%
Q4 23	44M	+0.2%
Q1 24	44M	+0.4%
Q2 24	44M	+0.0%
Q3 24	44M	+0.5%
Q4 24	44M	+0.5%
Q1 25	44M	+0.2%
Q2 25	44M	+0.0%
Q3 25	45M	+2.4%
Q4 25	45M	+0.1%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 15	—	—
FY 16	—	—
FY 17	—	—
FY 18	—	—
FY 19	$311K	1K
FY 20	$315K	931
FY 21	$326K	970
FY 22	$365K	977
FY 23	$505K	1K
FY 24	$605K	1K
FY 25	$613K	1K