Byline Bancorp, Inc. (BY)

Byline Bancorp Cash Flow Statement

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

Operating Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	130.05	120.76	107.88	87.95	92.79
Depreciation & Amortization	10.16	10.41	10.54	10.96	12.99
Other Amortization	0.68	0.61	0.63	0.61	0.63
Gain (Loss) on Sale of Assets	0.58	-1.29	1.79	0.92	12.54
Gain (Loss) on Sale of Investments	-6.67	-2.49	-0.18	4.83	6.94
Total Asset Writedown	-	1.07	0.4	-	4.1
Provision for Credit Losses	36.1	27.04	31.65	23.88	0.97
Net Decrease (Increase) in Loans Originated / Sold - Operating	-37.72	-10.03	29.02	57.4	41.02
Accrued Interest Receivable	2.94	20.34	-1.06	-74.59	-30.44
Other Operating Activities	-6.07	-17.23	8.81	23.53	-9.69
Operating Cash Flow	140.32	175.16	166.07	220.33	74.43
Operating Cash Flow Growth	-19.89%	5.48%	-24.63%	196.04%	-31.73%

Investing Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-4	-3.99	-3.86	-3.63	-2.24
Sale of Property, Plant and Equipment	2.15	6.67	2.54	3.31	9.34
Cash Acquisitions	61.83	-	7.83	-	-
Investment in Securities	174.89	-77.46	92.22	86.51	36.42
Net Decrease (Increase) in Loans Originated / Sold - Investing	-468	-246.19	-453.51	-900.33	-203.81
Other Investing Activities	7.87	-11.15	14.96	-6.2	-80.04
Investing Cash Flow	-223.59	-330.92	-336.24	-819.86	-236.05

Financing Activities

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	7,457	2,975	17,735	22,270	13,337
Long-Term Debt Issued	73.9	-	20	-	196.68
Total Debt Issued	7,531	2,975	17,755	22,270	13,534
Short-Term Debt Repaid	-7,645	-2,745	-18,039	-22,149	-13,093
Long-Term Debt Repaid	-86.67	-6.67	-1.67	-	-568.59
Total Debt Repaid	-7,732	-2,751	-18,041	-22,149	-13,662
Net Debt Issued (Repaid)	-200.28	223.58	-285.66	120.68	-128.18
Issuance of Common Stock	1.9	4.52	1.79	1.51	2.14
Repurchase of Common Stock	-23.73	-	-	-17.27	-28.87
Preferred Share Repurchases	-	-	-	-10.44	-
Common Dividends Paid	-18.16	-15.85	-14.59	-13.4	-11.27
Preferred Dividends Paid	-	-	-	-0.2	-0.78
Total Dividends Paid	-18.16	-15.85	-14.59	-13.6	-12.05
Net Increase (Decrease) in Deposit Accounts	-90.5	280.51	515.42	540.07	403.09
Financing Cash Flow	-330.77	492.76	216.96	620.95	236.13

Net Cash Flow

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

Free Cash Flow

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	136.32	171.17	162.21	216.7	72.19
Free Cash Flow Growth	-20.36%	5.53%	-25.15%	200.18%	-31.32%
Free Cash Flow Margin	33.25%	45.06%	45.91%	72.62%	24.28%
Free Cash Flow Per Share	3.02	3.90	4.01	5.78	1.88

Additional Metrics

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	196.96	217.41	128.64	31.18	13.05
Cash Income Tax Paid	36.18	12.5	12.24	28.65	34.82

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 7, 2026

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