Byline Bancorp, Inc. (BY)

Byline Bancorp Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	139.38	130.05	120.76	107.88	87.95	92.79
Depreciation & Amortization	4.52	4.55	5.03	4.53	4.29	5.99
Provision for Credit Losses	32.46	36.1	27.04	31.65	23.88	0.97
Stock-Based Compensation	9.47	9.28	7.89	6.72	5.33	4.02
Net Change in Loans Held-for-Sale	-7.57	-37.72	-10.03	29.02	57.4	41.02
Other Adjustments	-26.6	-28.71	-38.49	-5.16	4.65	-24.76
Changes in Accrued Interest and Accounts Receivable	-9.47	2.94	20.34	-1.06	-74.59	-30.44
Changes in Accrued Expenses	25.27	23.83	42.43	-7.31	111.43	-15.16
Operating Cash Flow	167.07	140.32	175.16	166.07	220.33	74.43
Operating Cash Flow Growth	18.80%	-19.89%	5.48%	-24.63%	196.04%	-31.73%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Loans Held-for-Investment	-325.83	-480.19	-246.19	-460.26	-900.33	-207.77
Net Change in Securities and Investments	-85.77	193.22	-88.61	113.93	80.31	28.89
Cash Acquisitions	-	61.83	-	7.83	-	-
Capital Expenditures	-2.44	-4	-3.99	-3.86	-3.63	-2.24
Sale of Property, Plant & Equipment	1.51	3.81	7.87	6.12	3.8	13.62
Other Investing Activities	-	1.74	-	-	-	-68.55
Investing Cash Flow	-235.14	-223.59	-330.92	-336.24	-819.86	-236.05

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Deposits	-30.8	-90.5	280.51	515.42	540.07	403.09
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	51.53	47.49	-8.5	24.75	-14.32	-12.27
Short-Term Debt Issued	10,035	7,410	2,775	17,910	22,270	13,534
Short-Term Debt Repaid	-10,162	-7,645	-2,736	-18,039	-22,135	-13,650
Net Short-Term Debt Issued (Repaid)	-126.33	-235	38.75	-128.75	135	-115.91
Long-Term Debt Issued	12.75	73.9	-	20	-	-
Long-Term Debt Repaid	-	-86.67	-6.67	-1.67	-	-
Net Long-Term Debt Issued (Repaid)	12.75	-12.77	-6.67	18.33	-	-
Issuance of Common Stock	2.01	1.9	4.52	1.79	1.51	2.14
Repurchase of Common Stock	-32.85	-23.73	-	-	-17.27	-28.87
Net Common Stock Issued (Repurchased)	-30.84	-21.83	4.52	1.79	-15.77	-26.73
Repurchase of Preferred Stock	-	-	-	-	-10.44	-
Net Preferred Stock Issued (Repurchased)	-	-	-	-	-10.44	-
Common Dividends Paid	-19.15	-18.16	-15.85	-14.59	-13.4	-11.27
Preferred Share Dividends Paid	-	-	-	-	-0.2	-0.78
Financing Cash Flow	-155.62	-330.77	492.76	216.96	620.95	236.13

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-113.77	-414.04	337	46.78	21.42	74.51

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	164.63	136.32	171.17	162.21	216.7	72.19
Free Cash Flow Growth	21.82%	-20.36%	5.53%	-25.15%	200.18%	-31.32%
FCF Margin	44.50%	33.24%	45.06%	45.66%	72.53%	23.31%
Free Cash Flow Per Share	3.63	3.03	3.90	4.01	5.78	1.88

SEC Filings: 10-K · 10-Q

Data Source: Fiscal.ai Last updated: Jul 23, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 3, 2026

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