undamentalytics Newsletter
Sign in

Byline Bancorp, Inc. key statistics and ratios

In fiscal 2025, Byline Bancorp, Inc. had return on equity of 11.0% and a net margin of 29.1%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin−15.4%57.3%12.6%18.1%21.0%13.5%29.9%27.3%27.9%29.7%29.1%32.3%
Return on equity−8.0%23.4%5.2%7.4%8.1%4.8%11.3%11.0%12.3%11.6%11.0%11.6%
Return on assets—2.0%0.7%1.0%1.1%0.6%1.4%1.3%1.3%1.3%1.4%1.5%
Effective tax rate——46.8%25.7%26.3%27.5%25.3%23.3%25.9%25.0%24.9%25.5%
Dividends ÷ net income————0.0%15.2%12.1%15.2%13.5%13.1%14.0%13.4%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

62 /100

Moderate moat

How hard Byline Bancorp's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 15 / 20

    Net income has been a median 1.2% of total assets over 10 years.

  • Durability 14 / 20

    Net margin has been a median 27.2%; its worst year was 9.9%.

  • Discipline 11 / 20

    The diluted share count rose 17.0% over five years; stock-based pay has been a median 1.3% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (67 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: BY vs SRCEBY vs FBNCBY vs NBHCBY vs TMP

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Byline Bancorp, Inc.'s SEC filings (10-K and 10-Q), retrieved October 31, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Byline Bancorp, Inc.