BY - Byline Bancorp, Inc.
Price:
--
--
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CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$40.00
DETAILS
HIGH:
$40.00
LOW:
$40.00
MEDIAN:
$40.00
CONSENSUS:
$40.00
UPSIDE:
20.59%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||
| Revenue | 629.5 | 621.4 | 532.5 | 356.5 | 316.1 | 293.5 | 311.7 | 250.2 | 182.4 | 120.5 | 96.3 |
| Cost of Revenue | 213.3 | 244.9 | 180.5 | 60.1 | 13.5 | 80.9 | 69.2 | 47.1 | 26.5 | 18.1 | 13.6 |
| Gross Profit | 416.2 | 376.5 | 352.0 | 296.4 | 302.6 | 212.6 | 242.4 | 203.0 | 155.9 | 102.4 | 82.7 |
| Operating Expenses | |||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 133.0 | 145.1 | 130.8 | 120.9 | 103.0 | 91.0 | 98.7 | 82.1 | 68.3 | 51.2 | 47.5 |
| Other Expenses | 100.3 | 70.3 | 75.5 | 60.8 | 75.4 | 69.9 | 66.4 | 65.5 | 46.8 | 45.8 | 49.9 |
| Operating Expenses | 233.3 | 215.4 | 206.3 | 181.7 | 178.4 | 160.9 | 165.2 | 147.6 | 115.1 | 97.0 | 97.4 |
| Operating Income | |||||||||||
| Operating Income | 183.0 | 161.1 | 145.7 | 114.7 | 124.2 | 51.7 | 77.3 | 55.4 | 40.8 | 5.5 | (14.7) |
| Interest Expense | 186.9 | 217.9 | 148.9 | 36.2 | 12.5 | 24.3 | 48.5 | 28.3 | 13.9 | 7.7 | 6.6 |
| Interest Income | 572.2 | 565.9 | 479.5 | 301.6 | 248.9 | 239.2 | 264.8 | 207.0 | 136.8 | 98.4 | 83.3 |
| Profitability | |||||||||||
| EBITDA | 187.9 | 166.1 | 150.2 | 119.0 | 130.2 | 58.1 | 83.7 | 61.0 | 49.1 | 13.5 | (5.9) |
| EBIT | 183.0 | 161.1 | 145.7 | 114.7 | 124.2 | 51.7 | 77.3 | 55.4 | 40.8 | 5.5 | (14.7) |
| Income Before Tax | 173.3 | 161.1 | 145.7 | 114.7 | 124.2 | 51.7 | 77.3 | 55.4 | 40.8 | 5.5 | (14.7) |
| Income Tax Expense | 43.2 | 40.3 | 37.8 | 26.7 | 31.4 | 14.2 | 20.3 | 14.2 | 19.1 | (61.2) | 0.3 |
| Net Income | 130.1 | 120.8 | 107.9 | 88.0 | 92.8 | 37.5 | 57.0 | 41.2 | 21.7 | 66.7 | (15.0) |
| Per Share Data | |||||||||||
| EPS (Basic) | 2.90 | 2.78 | 2.69 | 2.37 | 2.45 | 0.96 | 1.51 | 1.21 | 0.39 | 2.71 | -0.61 |
| EPS (Diluted) | 2.89 | 2.75 | 2.67 | 2.34 | 2.40 | 0.96 | 1.48 | 1.18 | 0.38 | 2.66 | -0.61 |
| Shares Outstanding | 44.8 | 43.4 | 40.0 | 37.0 | 37.6 | 38.0 | 37.3 | 33.3 | 27.0 | 24.6 | 24.6 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 60.2 | 563.1 | 226.1 | 179.4 | 157.9 | 83.4 | 80.7 | 121.9 | 58.3 | 46.5 |
| Short-Term Investments | 1,405.1 | 1,166.1 | 1,342.5 | 1,174.4 | 1,454.5 | 1,447.2 | 1,186.3 | 817.7 | 583.2 | 608.6 |
| Net Receivables | 0 | 787.3 | 736.8 | 557.7 | 386.8 | 387.0 | 235.0 | 207.5 | 221.7 | 165.8 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 1,465.3 | 2,516.6 | 2,305.5 | 1,911.5 | 1,999.3 | 1,917.7 | 1,502.0 | 1,147.0 | 863.2 | 820.9 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 58.0 | 70.3 | 79.1 | 68.2 | 74.2 | 86.7 | 96.1 | 97.7 | 95.2 | 102.1 |
| Goodwill | 200.5 | 181.7 | 181.7 | 148.4 | 148.4 | 148.4 | 148.4 | 128.2 | 54.6 | 52.0 |
| Intangible Assets | 0 | 16.4 | 21.8 | 10.5 | 17.2 | 24.3 | 31.9 | 33.4 | 16.8 | 19.8 |
| Long-Term Investments | 0 | 6,385.2 | 5,977.2 | 4,909.4 | 4,238.3 | 4,105.0 | 3,634.2 | 3,438.4 | 2,240.2 | 2,176.8 |
| Other Non-Current Assets | 0 | 269.8 | 266.7 | 246.8 | 168.5 | 68.5 | 70.9 | 62.2 | 48.8 | 56.5 |
| Total Non-Current Assets | 300.3 | 6,979.9 | 6,576.5 | 5,451.5 | 4,696.9 | 4,473 | 4,019.8 | 3,795.6 | 2,502.9 | 2,474.9 |
| Total Assets | 9,652.7 | 9,496.5 | 8,882.0 | 7,362.9 | 6,696.2 | 6,390.7 | 5,521.8 | 4,942.6 | 3,366.1 | 3,295.8 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 21.1 | 22.2 | 4.5 | 0.3 | 1.5 | 3.7 | 3.5 | 1.3 | 2.4 |
| Short-Term Debt | 0 | 32.1 | 51.9 | 15.4 | 29.7 | 42.0 | 49.6 | 34.2 | 31.2 | 37.9 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 4,761.8 | 7,458.6 | 7,177.0 | 5,695.1 | 5,155.0 | 4,752.0 | 4,147.6 | 3,749.9 | 2,443.3 | 2,490.4 |
| Total Current Liabilities | 4,761.8 | 7,511.8 | 7,251.1 | 5,846.7 | 5,243.7 | 4,869.5 | 4,244.4 | 3,830.1 | 2,518.4 | 2,572.5 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 564.9 | 731.6 | 487.7 | 736.0 | 600.4 | 343.8 | 527.3 | 461.8 | 389.2 | 340.6 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 3,058.0 | 150.6 | 138.8 | 0 | 0 | 371.9 | 0 | 0 | 0 | 0 |
| Total Non-Current Liabilities | 3,623.0 | 893.2 | 640.7 | 750.4 | 616.1 | 715.7 | 527.3 | 461.8 | 389.2 | 340.6 |
| Total Liabilities | 8,384.8 | 8,405.0 | 7,891.8 | 6,597.1 | 5,859.8 | 5,585.2 | 4,771.7 | 4,291.9 | 2,907.6 | 2,913.2 |
| Stockholders' Equity | ||||||||||
| Common Stock | 0.5 | 0.5 | 0.5 | 0.4 | 0.4 | 0.4 | 0.4 | 0.4 | 0.3 | 312.0 |
| Retained Earnings | 645.7 | 533.9 | 429.0 | 335.8 | 271.7 | 191.1 | 159.0 | 102.5 | 61.3 | 50.9 |
| Accumulated Other Comprehensive Income | (73.1) | (113.7) | (100.1) | (117.5) | (8.3) | 18.0 | (0.7) | (9.5) | (5.1) | (7.3) |
| Total Stockholders' Equity | 1,267.9 | 1,091.5 | 990.2 | 765.8 | 836.4 | 805.5 | 750.1 | 650.7 | 458.6 | 382.7 |
| Total Liabilities & Equity | 9,652.7 | 9,496.5 | 8,882.0 | 7,362.9 | 6,696.2 | 6,390.7 | 5,521.8 | 4,942.6 | 3,366.1 | 3,295.8 |
| Debt Metrics | ||||||||||
| Total Debt | 564.9 | 774.7 | 553.8 | 765.8 | 645.8 | 385.8 | 577.0 | 495.9 | 420.3 | 378.5 |
| Net Debt | 504.8 | 211.5 | 327.6 | 586.5 | 487.8 | 302.4 | 496.2 | 374.1 | 362.0 | 332.0 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 130.1 | 120.8 | 107.9 | 88.0 | 92.8 | 37.5 | 57.0 | 41.2 | 21.7 | 66.7 |
| Depreciation & Amortization | 4.6 | 5.0 | 4.5 | 4.3 | 6.0 | 6.5 | 6.4 | 5.6 | 8.3 | 8.1 |
| Stock-Based Compensation | 9.3 | 7.9 | 6.7 | 5.3 | 4.0 | 2.6 | 1.7 | 1.5 | 1.5 | 0.9 |
| Change in Working Capital | 26.8 | 62.8 | (8.4) | 36.8 | (45.6) | 32.7 | (18.7) | (9.2) | (11.4) | (10.8) |
| Other Non-Cash Items | (38.1) | (18.7) | 28.7 | 60.4 | 17.3 | 38.9 | (16.2) | 25.4 | (9.8) | 0.8 |
| Operating Cash Flow | 140.3 | 175.2 | 166.1 | 220.3 | 74.4 | 109.0 | 29.3 | 79.9 | 26.9 | 4.2 |
| Investing Activities | ||||||||||
| Capital Expenditure | (4.0) | (4.0) | (3.9) | (3.6) | (2.2) | (3.9) | (4.3) | (2.6) | (2.5) | (5.9) |
| Acquisitions | 61.8 | 0 | 7.8 | 0 | 0 | 0 | 4.3 | 20.4 | 0 | (11.3) |
| Purchases of Investments | (182.6) | (352.4) | (185.5) | (104.1) | (645.5) | (977.8) | (549.9) | (206.0) | (53.5) | (617.0) |
| Sales/Maturities of Investments | 357.5 | 274.9 | 277.8 | 190.6 | 681.9 | 645.6 | 319.9 | 107.6 | 97.6 | 766.1 |
| Other Investing Activities | (456.3) | (249.5) | (432.4) | (902.7) | (270.2) | (550.2) | (20.6) | (288.7) | (103.3) | (433.7) |
| Investing Cash Flow | (223.6) | (330.9) | (336.2) | (819.9) | (236.0) | (886.4) | (250.6) | (369.4) | (61.6) | (301.8) |
| Financing Activities | ||||||||||
| Net Debt Issuance | (247.8) | 232.1 | (310.4) | 135 | (115.9) | 187.7 | 54.0 | 63.5 | 27.4 | 286.6 |
| Stock Repurchased | (23.7) | 0 | 0 | (17.3) | (28.9) | (1.7) | 0 | 0 | (15.0) | 0 |
| Dividends Paid | (18.2) | (15.8) | (14.6) | (13.6) | (12.1) | (6.5) | (0.8) | (0.8) | (11.3) | 0 |
| Other Financing Activities | (43.0) | 272.0 | 540.2 | 525.8 | 390.8 | 596.9 | 123.1 | 290.2 | (32.3) | (46.4) |
| Financing Cash Flow | (330.8) | 492.8 | 217.0 | 620.9 | 236.1 | 780.0 | 180.1 | 353.0 | 46.6 | 299.2 |
| Cash Position | ||||||||||
| Net Change in Cash | (414.0) | 337.0 | 46.8 | 21.4 | 74.5 | 2.7 | (41.1) | 63.5 | 11.8 | 1.6 |
| Cash at Beginning | 563.1 | 226.1 | 179.4 | 157.9 | 83.4 | 80.7 | 121.9 | 58.3 | 46.5 | 44.9 |
| Cash at End | 149.1 | 563.1 | 226.1 | 179.4 | 157.9 | 83.4 | 80.7 | 121.9 | 58.3 | 46.5 |
| Free Cash Flow | 136.3 | 171.2 | 162.2 | 216.7 | 72.2 | 105.1 | 25.0 | 77.4 | 24.3 | (1.7) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||
| Revenue | 629.5 | 621.4 | 532.5 | 356.5 | 316.1 | 293.5 | 311.7 | 250.2 | 182.4 | 120.5 | 96.3 |
| Gross Profit | 416.2 | 376.5 | 352.0 | 296.4 | 302.6 | 212.6 | 242.4 | 203.0 | 155.9 | 102.4 | 82.7 |
| Operating Income | 183.0 | 161.1 | 145.7 | 114.7 | 124.2 | 51.7 | 77.3 | 55.4 | 40.8 | 5.5 | (14.7) |
| Net Income | 130.1 | 120.8 | 107.9 | 88.0 | 92.8 | 37.5 | 57.0 | 41.2 | 21.7 | 66.7 | (15.0) |
| EPS (Diluted) | 2.89 | 2.75 | 2.67 | 2.34 | 2.40 | 0.96 | 1.48 | 1.18 | 0.38 | 2.66 | -0.61 |
| Balance Sheet | |||||||||||
| Cash & Equivalents | 60.2 | 563.1 | 226.1 | 179.4 | 157.9 | 83.4 | 80.7 | 121.9 | 58.3 | 46.5 | |
| Total Assets | 9,652.7 | 9,496.5 | 8,882.0 | 7,362.9 | 6,696.2 | 6,390.7 | 5,521.8 | 4,942.6 | 3,366.1 | 3,295.8 | |
| Total Debt | 564.9 | 774.7 | 553.8 | 765.8 | 645.8 | 385.8 | 577.0 | 495.9 | 420.3 | 378.5 | |
| Stockholders' Equity | 1,267.9 | 1,091.5 | 990.2 | 765.8 | 836.4 | 805.5 | 750.1 | 650.7 | 458.6 | 382.7 | |
| Cash Flow | |||||||||||
| Operating Cash Flow | 140.3 | 175.2 | 166.1 | 220.3 | 74.4 | 109.0 | 29.3 | 79.9 | 26.9 | 4.2 | |
| Capital Expenditure | (4.0) | (4.0) | (3.9) | (3.6) | (2.2) | (3.9) | (4.3) | (2.6) | (2.5) | (5.9) | |
| Free Cash Flow | 136.3 | 171.2 | 162.2 | 216.7 | 72.2 | 105.1 | 25.0 | 77.4 | 24.3 | (1.7) | |