Byline Bancorp (BY) Ratios
Byline Bancorp Ratios
MX:BY's free cash flow for Q3 2026 was $0.00. For the 2026 fiscal year, MX:BY's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the company’s cash flow.
| Ratios | Dec 25 | 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 | 0.43 | 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 | 29.79% | 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) | 10.26% | 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 | 9.95% | 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 | -0.15 | -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 | 3.13 | 4.03 | 4.15 | 5.96 | 1.98 |
| Free Cash Flow Per Share | 3.04 | 3.94 | 4.05 | 5.86 | 1.92 |
| Dividend Paid and CapEx Coverage Ratio | 6.33 | 8.83 | 9.00 | 12.79 | 5.21 |
| Capital Expenditure Coverage Ratio | 35.11 | 43.88 | 43.01 | 60.65 | 33.29 |
| Operating Cash Flow Coverage Ratio | 0.25 | 0.23 | 0.30 | 0.29 | 0.12 |
| Operating Cash Flow to Sales Ratio | 0.22 | 0.28 | 0.31 | 0.62 | 0.24 |
| Free Cash Flow Yield | 10.43% | 13.58% | 17.19% | 25.52% | 7.02% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.05 | 10.43 | 8.75 | 9.66 | 11.09 |
| Price-to-Sales (P/S) Ratio | 2.08 | 2.03 | 1.77 | 2.38 | 3.25 |
| Price-to-Book (P/B) Ratio | 1.03 | 1.15 | 0.95 | 1.11 | 1.23 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.59 | 7.36 | 5.82 | 3.92 | 14.25 |
| Price-to-Operating Cash Flow Ratio | 9.31 | 7.19 | 5.68 | 3.85 | 13.82 |
| Price-to-Earnings Growth (PEG) Ratio | 2.33 | 3.12 | 0.65 | -2.96 | 0.07 |
| Enterprise Value Multiple | 9.66 | 8.86 | 8.46 | 12.07 | 11.65 |
| Enterprise Value | 1.81B | 1.47B | 1.27B | 1.44B | 1.52B |
| EV to EBITDA | 9.66 | 8.86 | 8.46 | 12.07 | 11.65 |
| EV to Sales | 2.88 | 2.37 | 2.39 | 4.03 | 4.80 |
| EV to Free Cash Flow | 13.29 | 8.60 | 7.84 | 6.63 | 21.01 |
| EV to Operating Cash Flow | 12.91 | 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 | 1.08 | 1.45 | 1.54 | 2.51 | 0.80 |
Currency in USD