Byline Bancorp (BY) Financial Statements & Analysis

Byline Bancorp (BY) Income Statement

Byline Bancorp reported revenue of $409.98M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 1.6% from $403.54M a year earlier. Net income was $130.05M, up 7.7% year over year, a net margin of 31.7%. Gross margin was 101.5% and operating margin 44.6%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $114.26M, up 0.4% from the same quarter a year earlier.

Byline Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Byline Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	409.98	403.54	353.28	356.46	316.14	293.52	311.68	250.18	182.44
Cost of Revenue	213.27	244.92	180.51	60.11	13.51	80.93	69.24	47.14	26.54
Gross Profit	416.22	376.50	351.96	296.35	302.63	212.59	242.45	203.04	155.90
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	64.55	145.10	60.35	120.88	103.02	91.04	98.71	82.11	68.30
Operating Expenses	233.26	215.42	206.28	181.67	178.42	160.92	165.15	147.60	115.10
Operating Income	182.96	161.08	145.68	114.68	124.21	51.67	77.30	55.44	40.79
Other Income/Expense
Interest Income	572.22	565.93	479.48	301.56	248.93	239.23	264.81	206.95	136.80
Interest Expense	186.87	217.88	148.86	36.23	12.54	24.25	48.53	28.35	13.89
Other Income/Expense	-9.70	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	173.25	161.08	145.68	114.68	124.21	51.67	77.30	55.44	40.79
Income Tax Expense	43.20	40.32	37.80	26.73	31.43	14.20	20.29	14.25	19.10
Net Income	130.05	120.76	107.88	87.95	92.79	37.47	57.00	41.19	21.70
Net Income - Continuous Operations	130.05	120.76	107.88	87.95	92.79	37.47	57.00	41.19	21.70
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	4.55	5.03	4.53	118.97	130.20	58.15	83.68	61.02	49.06
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	5.61	5.38	6.01	4.29	5.99	6.48	6.39	5.58	8.27
Earnings Per Share
Basic EPS	3.00	3.00	3.00	2.00	2.00	1.00	2.00	1.00	-
Diluted EPS	3.00	3.00	3.00	2.00	2.00	1.00	1.00	1.00	-
Basic Shares Outstanding	44.80	43.45	40.05	36.97	37.61	38.03	37.29	33.29	26.96
Diluted Shares Outstanding	45.06	43.85	40.45	37.48	38.37	38.31	37.99	34.19	27.55

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Byline Bancorp Financial Statements

What was Byline Bancorp's revenue in fiscal 2025?

Byline Bancorp reported revenue of $409.98M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 1.6% from $403.54M a year earlier.

Is Byline Bancorp profitable?

Yes. Byline Bancorp earned net income of $130.05M in fiscal 2025, a net margin of 31.7%. In fiscal 2024 it earned $120.76M.

What is Byline Bancorp's operating margin?

Byline Bancorp's operating income was $182.96M on revenue of $409.98M in fiscal 2025, an operating margin of 44.6%, compared with 39.9% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition