BYByline Bancorp, Inc.

$1B

Q3 2021 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$80M+2.5% YoY

Gross Profit

$77M95.9% margin

Operating Income

$34M42.2% margin

Net Income

$25M31.6% margin

EPS (Diluted)

$0.66

QoQ Revenue Growth

-0.5%

Cash Flow

Operating Cash Flow

-$22M

Free Cash Flow

-$22M

Stock-Based Comp.

$1M

Balance Sheet

Total Assets

$6.7B

Total Liabilities

$5.9B

Stockholders' Equity

$824M

Cash & Equivalents

$143M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$80M	$78M	+2.5%
Gross Profit	$77M	$58M	+33.2%
Operating Income	$34M	$18M	+84.4%
Net Income	$25M	$13M	+93.6%

Revenue Segments

Bank Servicing

$3M100%

BY Q3 2021 Earnings — Byline Bancorp, Inc. Revenue & Financial Results | Market Cap Arena