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STOCKS

Byline Bancorp Inc (BY)

NYSE:BY

Byline Bancorp

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Byline Bancorp (BY) Ratios

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Byline Bancorp Ratios

BY's free cash flow for Q3 2025 was $0.67. For the 2025 fiscal year, BY's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.31	0.34	0.32	0.33	0.38
Quick Ratio	0.31	0.34	0.32	0.33	0.38
Cash Ratio	0.01	0.07	0.03	0.03	0.03
Solvency Ratio	0.02	0.01	0.01	0.01	0.02
Operating Cash Flow Ratio	0.03	0.02	0.02	0.04	0.01
Short-Term Operating Cash Flow Coverage	0.00	5.46	3.20	14.31	2.50
Net Current Asset Value	$ -6.92B	$ -5.89B	$ -5.59B	$ -4.69B	$ -3.86B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.08	0.06	0.10	0.10
Debt-to-Equity Ratio	0.45	0.71	0.56	1.00	0.77
Debt-to-Capital Ratio	0.31	0.42	0.36	0.50	0.44
Long-Term Debt-to-Capital Ratio	0.31	0.40	0.33	0.49	0.42
Financial Leverage Ratio	7.61	8.70	8.97	9.61	8.01
Debt Service Coverage Ratio	0.77	0.50	0.56	1.79	2.34
Interest Coverage Ratio	0.98	0.74	0.98	3.17	9.91
Debt to Market Cap	0.37	0.61	0.57	0.88	0.61
Interest Debt Per Share	16.77	22.84	17.55	21.69	17.50
Net Debt to EBITDA	2.69	1.27	2.18	4.93	3.75
Profitability Margins
Gross Profit Margin	66.12%	60.59%	66.10%	83.14%	95.73%
EBIT Margin	29.06%	25.92%	27.36%	32.17%	39.29%
EBITDA Margin	29.84%	26.73%	28.21%	33.38%	41.18%
Operating Profit Margin	29.06%	25.92%	27.36%	32.17%	39.29%
Pretax Profit Margin	27.52%	25.92%	27.36%	32.17%	39.29%
Net Profit Margin	20.66%	19.43%	20.26%	24.67%	29.35%
Continuous Operations Profit Margin	20.66%	19.43%	20.26%	24.67%	29.35%
Net Income Per EBT	75.06%	74.97%	74.05%	76.69%	74.70%
EBT Per EBIT	94.70%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.35%	1.27%	1.21%	1.19%	1.39%
Return on Equity (ROE)	10.77%	11.06%	10.90%	11.49%	11.09%
Return on Capital Employed (ROCE)	3.74%	8.12%	8.93%	7.56%	8.55%
Return on Invested Capital (ROIC)	-4.58%	5.99%	6.41%	5.74%	6.26%
Return on Tangible Assets	1.38%	1.30%	1.24%	1.22%	1.42%
Earnings Yield	8.72%	9.58%	11.43%	10.36%	9.02%
Efficiency Ratios
Receivables Turnover	0.00	0.79	0.72	0.64	0.82
Payables Turnover	0.00	11.60	8.12	13.38	51.57
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	10.86	8.84	6.73	5.23	4.26
Asset Turnover	0.07	0.07	0.06	0.05	0.05
Working Capital Turnover Ratio	-0.14	-0.13	-0.12	-0.10	-0.10
Cash Conversion Cycle	0.00	430.99	460.13	543.77	439.55
Days of Sales Outstanding	0.00	462.45	505.09	571.06	446.62
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	31.47	44.96	27.29	7.08
Operating Cycle	0.00	462.45	505.09	571.06	446.62
Cash Flow Ratios
Operating Cash Flow Per Share	3.00	4.03	4.15	5.96	1.98
Free Cash Flow Per Share	2.88	3.94	4.05	5.86	1.92
CapEx Per Share	0.12	0.09	0.10	0.10	0.06
Free Cash Flow to Operating Cash Flow	0.96	0.98	0.98	0.98	0.97
Dividend Paid and CapEx Coverage Ratio	5.81	8.83	9.00	12.79	5.21
Capital Expenditure Coverage Ratio	24.11	43.88	43.01	60.65	33.29
Operating Cash Flow Coverage Ratio	0.24	0.23	0.30	0.29	0.12
Operating Cash Flow to Sales Ratio	0.21	0.28	0.31	0.62	0.24
Free Cash Flow Yield	8.46%	13.58%	17.19%	25.52%	7.02%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.47	10.43	8.75	9.66	11.09
Price-to-Sales (P/S) Ratio	2.42	2.03	1.77	2.38	3.25
Price-to-Book (P/B) Ratio	1.18	1.15	0.95	1.11	1.23
Price-to-Free Cash Flow (P/FCF) Ratio	11.82	7.36	5.82	3.92	14.25
Price-to-Operating Cash Flow Ratio	11.08	7.19	5.68	3.85	13.82
Price-to-Earnings Growth (PEG) Ratio	4.04	3.12	0.65	-2.96	0.07
Price-to-Fair Value	1.18	1.15	0.95	1.11	1.23
Enterprise Value Multiple	10.80	8.86	8.46	12.07	11.65
Enterprise Value	2.03B	1.47B	1.27B	1.44B	1.52B
EV to EBITDA	10.80	8.86	8.46	12.07	11.65
EV to Sales	3.22	2.37	2.39	4.03	4.80
EV to Free Cash Flow	15.73	8.60	7.84	6.63	21.01
EV to Operating Cash Flow	15.08	8.40	7.65	6.52	20.38
Tangible Book Value Per Share	23.81	20.56	19.64	16.42	17.84
Shareholders’ Equity Per Share	28.28	25.12	24.73	20.71	22.24
Tax and Other Ratios
Effective Tax Rate	0.25	0.25	0.26	0.23	0.25
Revenue Per Share	14.04	14.30	13.30	9.64	8.41
Net Income Per Share	2.90	2.78	2.69	2.38	2.47
Tax Burden	0.75	0.75	0.74	0.77	0.75
Interest Burden	0.95	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.21	0.23	0.24	0.33	0.32
Stock-Based Compensation to Revenue	0.01	0.01	0.01	0.01	0.01
Income Quality	1.07	1.45	1.54	2.51	0.80

Currency in USD