Byline Bancorp, Inc.

Symbol: BY

NYSE

22.8

USD

Market price today

  • 8.8995

    P/E Ratio

  • 0.0408

    PEG Ratio

  • 1.01B

    MRK Cap

  • 0.02%

    DIV Yield

Byline Bancorp, Inc. (BY) Stock Price & Analysis

Shares Outstanding

0M

Gross Profit Margin

0.95%

Operating Profit Margin

0.30%

Net Profit Margin

0.22%

Return on Assets

0.01%

Return on Equity

0.12%

Return on Capital Employed

0.05%

Company general description and statistics

Sector: Financial Services
Industry: Banks - Regional
CEO:Mr. Roberto R. Herencia
Full-time employees:1036
City:Chicago
Address:180 North LaSalle Street
IPO:2017-06-30
CIK:0001702750

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. It operates through 43 branch locations in the Chicago metropolitan area and one branch in Brookfield, Wisconsin. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.

General Outlook

When we look at how much money they make before expenses, they keep 0.946% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.297%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.216%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.012% return, is a testament to Byline Bancorp, Inc.'s adeptness in optimizing resource deployment. Byline Bancorp, Inc.'s utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.123%. Furthermore, the proficiency of Byline Bancorp, Inc. in capital utilization is underscored by a remarkable 0.054% return on capital employed.

Stock Prices

Byline Bancorp, Inc.'s stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $22.53, while its low point bottomed out at $21.85. This variance in figures offers investors a lucid insight into the roller-coaster ride that is Byline Bancorp, Inc.'s stock market.

Liquidity Ratios

Analyzing BY liquidity ratios reveals its financial health of the firm. The current ratio of 10.46% gauges short-term asset coverage for liabilities. The quick ratio (41.56%) assesses immediate liquidity, while the cash ratio (9.77%) indicates cash reserves.

cards.indicatorcards.value
Current Ratio10.46%
Quick Ratio41.56%
Cash Ratio9.77%

Profitability Ratios

BY profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 29.11% underscores its earnings before tax deductions. The effective tax rate stands at 25.73%, revealing its tax efficiency. The net income per EBT, 74.27%, and the EBT per EBIT, 98.16%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 29.66%, we grasp its operational profitability.

cards.indicatorcards.value
Pretax Profit Margin29.11%
Effective Tax Rate25.73%
Net Income per EBT74.27%
EBT per EBIT98.16%
EBIT per Revenue29.66%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 0.10, it details the span from stock purchase to revenue.

cards.indicatorcards.value
Days of Sales Outstanding42
Days of Inventory Outstanding-16870
Operating Cycle-16392.30
Cash Conversion Cycle-16392
Receivables Turnover0.76
Inventory Turnover-0.02
Fixed Asset Turnover7.07
Asset Turnover0.06

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 5.08, and free cash flow per share, 4.99, depict cash generation on a per-share basis. The cash per share value, 46.60, showcases liquidity position. A payout ratio of 0.13 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, 0.42, offers insight into cash flow relative to sales.

cards.indicatorcards.value
Operating Cash Flow per Share5.08
Free Cash Flow per Share4.99
Cash per Share46.60
Payout Ratio0.13
Operating Cash Flow Sales Ratio0.42
Free Cash Flow to Operating Cash Flow Ratio0.98
Cash Flow Coverage Ratio0.25
Short Term Coverage Ratio0.30
Capital Expenditure Coverage Ratio53.72
Dividend Paid and Capex Coverage Ratio11.42
Dividend Payout Ratio0.02

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 9.23%, highlights its total liabilities relative to assets. With a debt-equity ratio of 0.86, we discern the balance between debt and equity financing. The long-term debt to capitalization, 12.52%, and total debt to capitalization, 46.26%, ratios shed light on its capital structure. An interest coverage of 1.17 indicates its ability to manage interest expenses.

cards.indicatorcards.value
Debt Ratio9.23%
Debt Equity Ratio0.86
Long Term Debt to Capitalization12.52%
Total Debt to Capitalization46.26%
Interest Coverage1.17
Cash Flow to Debt Ratio0.25
Company Equity Multiplier9.33

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 13.34, provides a glimpse into top-line earnings distributed across each share. Net income per share, 2.69, reflects the portion of profit attributed to each share. The book value per share, 24.73, represents the net asset value distributed per share, while the tangible book value per share, 19.64, excludes intangible assets.

cards.indicatorcards.value
Revenue Per Share13.34
Net Income Per Share2.69
Book Value Per Share24.73
Tangible Book Value Per Share19.64
Shareholders Equity Per Share24.73
Interest Debt Per Share14.25
Capex Per Share-0.10

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 66.86%, indicates top-line expansion, while the gross profit growth, 49.73%, reveals profitability trends. EBIT growth, 2.39%, and operating income growth, 2.39%, offer insights into operational profitability progression. The net income growth, 22.65%, showcases bottom-line expansion, and the EPS growth, 12.66%, measures the growth in earnings per share.

cards.indicatorcards.value
Revenue Growth66.86%
Gross Profit Growth49.73%
EBIT Growth2.39%
Operating Income Growth2.39%
Net Income Growth22.65%
EPS Growth12.66%
EPS Diluted Growth14.10%
Weighted Average Shares Growth7.92%
Weighted Average Shares Diluted Growth7.92%
Dividends per Share Growth-0.61%
Operating Cash Flow Growth-100.00%
Free Cash Flow Growth-100.00%
10-Year Revenue Growth per Share262.94%
5-Year Revenue Growth per Share101.72%
3-Year Revenue Growth per Share87.98%
10-Year Operating CF Growth per Share100.00%
5-Year Operating CF Growth per Share-100.00%
3-Year Operating CF Growth per Share-100.00%
10-Year Net Income Growth per Share538.94%
5-Year Net Income Growth per Share121.36%
3-Year Net Income Growth per Share172.74%
10-Year Shareholders Equity Growth per Share220.42%
5-Year Shareholders Equity Growth per Share28.63%
3-Year Shareholders Equity Growth per Share16.45%
5-Year Dividend per Share Growth per Share1474.47%
3-Year Dividend per Share Growth per Share112.75%
Receivables Growth-100.00%
Inventory Growth100.00%
Asset Growth20.63%
Book Value per Share Growth19.80%
Debt Growth-28.20%
SGA Expenses Growth50.73%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 1,271,105,100.48, captures the company's total value, considering both debt and equity. Income quality, 1.27, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 2.27%, indicates the value of non-physical assets, and capex to operating cash flow, -2.82%, measures reinvestment capability.

cards.indicatorcards.value
Enterprise Value1,271,105,100.48
Income Quality1.27
Sales General and Administrative to Revenue0.24
Intangibles to Total Assets2.27%
Capex to Operating Cash Flow-2.82%
Capex to Revenue-0.72%
Capex to Depreciation-36.63%
Stock-Based Compensation to Revenue1.26%
Graham Number38.71
Return on Tangible Assets1.23%
Graham Net Net-158.18
Working Capital-6,119,339,000
Tangible Asset Value786,673,000
Net Current Asset Value-7,698,528,000
Invested Capital1
Average Receivables727,022,500
Average Payables13,363,500
Average Inventory-672,522,500
Days Sales Outstanding503
Days Payables Outstanding148
Days of Inventory On Hand-6407
ROIC7.34%
ROE0.11%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 1.01, and the price to book ratio, 1.01, reflect the market's valuation relative to the company's book value. The price to sales ratio, 1.96, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 4.81, and price to operating cash flows, 4.63, gauge market valuation against cash flow metrics.

cards.indicatorcards.value
Price Book Value Ratio1.01
Price to Book Ratio1.01
Price to Sales Ratio1.96
Price Cash Flow Ratio4.63
Price Earnings to Growth Ratio0.04
Enterprise Value Multiple11.07
Price Fair Value1.01
Price to Operating Cash Flow Ratio4.63
Price to Free Cash Flows Ratio4.81
Price to Tangible Book Ratio0.95
Enterprise Value to Sales2.38
Enterprise Value Over EBITDA-198.73
EV to Operating Cash Flow9.27
Earnings Yield11.43%
Free Cash Flow Yield14.12%
security
Trusted project
“All information displayed on the site is verified. High quality project and financial performance”
Eugene Alexeev
NumFin Founder and investing enthusiast

Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of Byline Bancorp, Inc. (BY) on the NYSE in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 8.900 in 2024.

What is the ticker symbol of Byline Bancorp, Inc. stock?

The ticker symbol of Byline Bancorp, Inc. stock is BY.

What is company IPO date?

IPO date of Byline Bancorp, Inc. is 2017-06-30.

What is company current share price?

Current share price is 22.800 USD.

What is stock market cap today?

The market cap of stock today is 1005516480.000.

What is PEG ratio in 2024?

The current 0.041 is 0.041 in 2024.

What is the number of employees in 2024?

In 2024 the company has 1036.