Byline Bancorp Inc (BY) - Net Assets
Based on the latest financial reports, Byline Bancorp Inc (BY) has net assets worth $1.27 Billion USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($9.65 Billion) and total liabilities ($8.38 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Byline Bancorp Inc (BY) liquid assets ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.27 Billion |
| % of Total Assets | 13.14% |
| Annual Growth Rate | 21.01% |
| 5-Year Change | 51.59% |
| 10-Year Change | 231.34% |
| Growth Volatility | 29.51 |
Byline Bancorp Inc - Net Assets Trend (2015–2025)
This chart illustrates how Byline Bancorp Inc's net assets have evolved over time, based on quarterly financial data. Also explore BY total assets for the complete picture of this company's asset base.
Annual Net Assets for Byline Bancorp Inc (2015–2025)
The table below shows the annual net assets of Byline Bancorp Inc from 2015 to 2025. For live valuation and market cap data, see market cap of Byline Bancorp Inc.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.27 Billion | +16.16% |
| 2024-12-31 | $1.09 Billion | +10.24% |
| 2023-12-31 | $990.15 Million | +29.29% |
| 2022-12-31 | $765.82 Million | -8.44% |
| 2021-12-31 | $836.38 Million | +3.84% |
| 2020-12-31 | $805.46 Million | +7.38% |
| 2019-12-31 | $750.12 Million | +15.28% |
| 2018-12-31 | $650.67 Million | +41.89% |
| 2017-12-31 | $458.58 Million | +19.84% |
| 2016-12-31 | $382.66 Million | +103.25% |
| 2015-12-31 | $188.27 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Byline Bancorp Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 66152000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $645.72 Million | 50.93% |
| Common Stock | $471.00K | 0.04% |
| Other Comprehensive Income | $-73.08 Million | -5.76% |
| Other Components | $694.79 Million | 54.80% |
| Total Equity | $1.27 Billion | 100.00% |
Byline Bancorp Inc Competitors by Market Cap
The table below lists competitors of Byline Bancorp Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
LPI Capital Bhd
KLSE:8621
|
$1.48 Billion |
|
Xinjiang Communications Construction Group Co Ltd Class A
SHE:002941
|
$1.48 Billion |
|
Pebblebrook Hotel Trust
NYSE:PEB
|
$1.48 Billion |
|
Chengdu Haoneng Tech Co Ltd
SHG:603809
|
$1.49 Billion |
|
Sunshine Global Circuits Co Ltd Class A
SHE:300739
|
$1.48 Billion |
|
Triumph Financial, Inc.
NYSE:TFIN
|
$1.48 Billion |
|
Shanghai Cooltech Power Co Ltd
SHE:300153
|
$1.48 Billion |
|
Vinati Organics Limited
NSE:VINATIORGA
|
$1.48 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Byline Bancorp Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,091,497,000 to 1,267,906,000, a change of 176,409,000 (16.2%).
- Net income of 130,051,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 40,612,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $130.05 Million | +10.26% |
| Other Comprehensive Income | $40.61 Million | +3.2% |
| Other Changes | $5.75 Million | +0.45% |
| Total Change | $- | 16.16% |
Book Value vs Market Value Analysis
This analysis compares Byline Bancorp Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.17x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 4.34x to 1.17x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $7.50 | $32.56 | x |
| 2016-12-31 | $15.24 | $32.56 | x |
| 2017-12-31 | $16.65 | $32.56 | x |
| 2018-12-31 | $19.03 | $32.56 | x |
| 2019-12-31 | $19.75 | $32.56 | x |
| 2020-12-31 | $21.02 | $32.56 | x |
| 2021-12-31 | $21.80 | $32.56 | x |
| 2022-12-31 | $20.43 | $32.56 | x |
| 2023-12-31 | $24.48 | $32.56 | x |
| 2024-12-31 | $24.89 | $32.56 | x |
| 2025-12-31 | $27.91 | $32.56 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Byline Bancorp Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.26%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 20.66%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 7.61x
- Recent ROE (10.26%) is above the historical average (7.96%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | -7.95% | -15.54% | 0.04x | 13.17x | $-33.80 Million |
| 2016 | 17.44% | 55.36% | 0.04x | 8.61x | $28.46 Million |
| 2017 | 4.73% | 11.89% | 0.05x | 7.34x | $-24.16 Million |
| 2018 | 6.33% | 16.47% | 0.05x | 7.60x | $-23.87 Million |
| 2019 | 7.60% | 18.29% | 0.06x | 7.36x | $-18.01 Million |
| 2020 | 4.65% | 12.76% | 0.05x | 7.93x | $-43.08 Million |
| 2021 | 11.09% | 29.35% | 0.05x | 8.01x | $9.15 Million |
| 2022 | 11.49% | 24.67% | 0.05x | 9.61x | $11.37 Million |
| 2023 | 10.90% | 22.50% | 0.05x | 8.97x | $8.86 Million |
| 2024 | 11.06% | 19.43% | 0.07x | 8.70x | $11.61 Million |
| 2025 | 10.26% | 20.66% | 0.07x | 7.61x | $3.26 Million |
Industry Comparison
This section compares Byline Bancorp Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Byline Bancorp Inc (BY) | $1.27 Billion | -7.95% | 6.61x | $1.48 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Byline Bancorp Inc
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 ch… Read more