Byline Bancorp, Inc. (BY) Income Statement
BY 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsBY revenue and net income
Where BY's revenue goes
2025Each bar shows an amount and its share of revenue. BY kept 20.7% of revenue as net income.
BY profit margins
BY growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +1.3% | +20.9% | +16.5% | +20.6% |
| Gross profit | +10.5% | +12.0% | +14.4% | +17.5% |
| Operating income | +13.6% | +16.8% | +28.8% | — |
| Net income | +7.7% | +13.9% | +28.3% | — |
| EPS (diluted) | +7.9% | +7.6% | +23.3% | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
BY quarterly EPS vs estimates
Byline Bancorp beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: October 22, 2026 (estimate $0.81).
BY income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $629.5M | $621.4M | $479.5M | $356.5M | $316.1M | $293.5M | $311.7M | $250.2M | $182.4M | $120.5M |
| Cost of revenue | $213.3M | $244.9M | $54.9M | $60.1M | $13.5M | $80.9M | $69.2M | $47.1M | $26.5M | $18.1M |
| Gross profit | $416.2M | $376.5M | $479.5M | $296.4M | $302.6M | $212.6M | $242.4M | $203.0M | $155.9M | $102.4M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | — |
| Sales, general & admin | $133.0M | $145.1M | $129.6M | $120.9M | $103.0M | $91.0M | $98.7M | $82.1M | $68.3M | $51.2M |
| Total operating expenses | $233.3M | $215.4M | −$333.8M | $181.7M | $178.4M | $160.9M | $165.2M | $147.6M | $115.1M | $97.0M |
| Operating income | $183.0M | $161.1M | $145.7M | $114.7M | $124.2M | $51.7M | $77.3M | $55.4M | $40.8M | $5.5M |
| Interest income | $572.2M | $565.9M | $437.2M | $301.6M | $248.9M | $239.2M | $264.8M | $207.0M | $136.8M | $98.4M |
| Interest expense | $186.9M | $217.9M | $148.9M | $36.2M | $12.5M | $24.3M | $48.5M | $28.3M | $13.9M | $7.7M |
| Income before taxes | $173.3M | $161.1M | $145.7M | $114.7M | $124.2M | $51.7M | $77.3M | $55.4M | $40.8M | $5.5M |
| Income taxes | $43.2M | $40.3M | $37.8M | $26.7M | $31.4M | $14.2M | $20.3M | $14.2M | $19.1M | −$61.2M |
| Net income | $130.1M | $120.8M | $107.9M | $88.0M | $92.8M | $37.5M | $57.0M | $41.2M | $21.7M | $66.7M |
| EBITDA | $187.5M | $166.1M | $145.7M | $119.0M | $130.2M | $58.1M | $83.7M | $61.0M | $49.1M | $13.5M |
| EPS (diluted) | $2.99 | $2.77 | $2.85 | $2.40 | $2.72 | $1.05 | $1.62 | $1.42 | $1.05 | $2.71 |
| Gross margin | 66.1% | 60.6% | 100.0% | 83.1% | 95.7% | 72.4% | 77.8% | 81.2% | 85.5% | 85.0% |
| Operating margin | 29.1% | 25.9% | 30.4% | 32.2% | 39.3% | 17.6% | 24.8% | 22.2% | 22.4% | 4.5% |
| Net margin | 20.7% | 19.4% | 22.5% | 24.7% | 29.3% | 12.8% | 18.3% | 16.5% | 11.9% | 55.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $160.1M | $153.4M | $159.9M | $162.6M | $158.1M | $148.8M | $154.4M | $160.0M | $153.7M | $153.2M | $149.4M | $148.0M |
| Cost of revenue | $50.6M | $47.3M | $42.9M | $54.0M | $60.5M | $55.8M | $58.0M | $66.5M | $61.1M | $59.4M | $56.6M | $52.9M |
| Gross profit | $109.4M | $106.1M | $117.0M | $108.5M | $97.6M | $93.0M | $96.5M | $93.6M | $92.6M | $93.8M | $92.8M | $95.1M |
| Sales, general & admin | $3.2M | $3.2M | $54.4M | $37.5M | $4.8M | $36.3M | $42.3M | $35.0M | $33.9M | $34.0M | $39.6M | $35.0M |
| Total operating expenses | $55.4M | $56.4M | $60.4M | $58.6M | $58.7M | $55.6M | $56.1M | $53.5M | $52.5M | $53.2M | $52.8M | $56.9M |
| Operating income | $54.1M | $49.7M | $56.6M | $49.9M | $38.9M | $37.5M | $40.4M | $40.0M | $40.1M | $40.6M | $40.0M | $38.1M |
| Interest income | $144.3M | $141.7M | $144.2M | $148.6M | $144.5M | $134.8M | $139.6M | $146.4M | $141.6M | $138.3M | $135.6M | $136.6M |
| Interest expense | $43.5M | $41.8M | $42.9M | $48.7M | $48.6M | $46.6M | $51.1M | $59.0M | $55.0M | $52.8M | $49.3M | $44.1M |
| Income before taxes | $54.1M | $49.7M | $46.9M | $49.9M | $38.9M | $37.5M | $40.4M | $40.0M | $40.1M | $40.6M | $40.0M | $38.1M |
| Income taxes | $13.9M | $12.1M | $12.4M | $12.7M | $8.8M | $9.2M | $10.0M | $9.7M | $10.4M | $10.1M | $10.4M | $9.9M |
| Net income | $40.2M | $37.6M | $34.5M | $37.2M | $30.1M | $28.2M | $30.3M | $30.3M | $29.7M | $30.4M | $29.6M | $28.2M |
| EBITDA | $55.1M | $50.8M | $57.8M | $51.1M | $40.0M | $38.6M | $41.6M | $41.3M | $41.4M | $41.9M | $41.3M | $39.4M |
| EPS (diluted) | $0.91 | $0.83 | $0.76 | $0.83 | $0.75 | $0.65 | $0.69 | $0.70 | $0.68 | $0.70 | $0.73 | $0.77 |
| Gross margin | 68.4% | 69.1% | 73.2% | 66.8% | 61.7% | 62.5% | 62.5% | 58.5% | 60.3% | 61.2% | 62.1% | 64.2% |
| Operating margin | 33.8% | 32.4% | 35.4% | 30.7% | 24.6% | 25.2% | 26.1% | 25.0% | 26.1% | 26.5% | 26.8% | 25.8% |
| Net margin | 25.1% | 24.5% | 21.6% | 22.9% | 19.0% | 19.0% | 19.6% | 18.9% | 19.3% | 19.9% | 19.8% | 19.1% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in BY's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
BY financial results
In fiscal year 2025 (ended December 31, 2025), Byline Bancorp reported revenue of $629.5 million, up 1.3% from the year before. It had net income of $130.1 million (up 7.7%), a net profit margin of 20.7%. Diluted earnings per share came to $2.99. Over five years revenue grew at an average rate of 16.5% a year.
See the BY stock overview for the latest quote and news, or the BY chart for price history and technical indicators.
BY income statement FAQ
What is Byline Bancorp's annual revenue?
Byline Bancorp reported total revenue of $629.5 million for fiscal year 2025, which ended on December 31, 2025. That was up 1.3% from $621.4 million the previous year.
Is Byline Bancorp profitable?
Yes. Byline Bancorp reported net income of $130.1 million in fiscal 2025, a net profit margin of 20.7%; its operating margin was 29.1%.
What is Byline Bancorp's gross margin?
Byline Bancorp's gross margin was 66.1% in fiscal 2025: for every $100 of revenue, Byline Bancorp kept $66 after the direct cost of its products and services.
How fast is Byline Bancorp growing?
Revenue grew 16.5% a year on average over the last five fiscal years, from $293.5 million to $629.5 million.
What are Byline Bancorp's earnings per share?
Byline Bancorp earned $2.99 per diluted share in fiscal 2025, compared with $2.77 a year earlier.
When will Byline Bancorp report its next earnings?
Byline Bancorp is expected to report results for the quarter ending September 30, 2026 on October 22, 2026 after the market closes.
When does Byline Bancorp's fiscal year end?
Byline Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.