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Income Statement (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Revenue | 163M | 2.8% |
| Gross Profit | 109M | 11.2% |
| Cost of Revenue | 54M | 10.7% |
| Operating expense | 59M | 0.1% |
| Net Income | 37M | 23.7% |
| EBITDA | 51M | 27.5% |
Balance Sheet (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Total Assets | 9.81B | 0.9% |
| Total Liabilities | 8.57B | 0.5% |
| Total Equity | 1.24B | 3.8% |
| Shares Outstanding | 45M | 2.4% |
Cash Flow (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Cash from operations | 38M | 135.7% |
| Cash from investing | -32M | 97.1% |
| Cash from financing | 34M | 116.9% |
EPS
Financial Highlights for Byline Bancorp in Q3 '25
Byline Bancorp reported a revenue of 163M, which is a 2.8% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Gross Profit stood at 109M, marking a 11.2% change since the last quarter. Gross profit showcases the efficiency in production and sales processes.
Cost of Revenue was 54M, a -10.7% difference from the previous quarter. A rising cost of revenue may suggest increased production or sales costs, which can impact margins. However, if accompanied by a proportionate rise in revenue, it could indicate scaling operations.
Operating Expenses for this period were 59M, showing a -0.1% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 37M, showing a 23.7% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 51M, showing a 27.5% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
It was a positive quarter for Byline Bancorp with growth in revenue, gross profit, and net income.
