Byline Bancorp, Inc. cash flow to debt ratio of 24.84% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Byline Bancorp, Inc.'s free cash flow has decreased 20.36% from $171.17M last year to $136.32M, signaling decreasing performance

Byline Bancorp, Inc.'s debt to equity ratio is 0.46, which means that the company's assets are healthy financed, signaling financial stability.

Byline Bancorp, Inc.'s debt has decreased relative to shareholder equity from 0.71 last year to 0.46 today, signaling strengthened financials

Byline Bancorp, Inc. has a net cash position, so leverage is healthy.

Byline Bancorp, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Byline Bancorp, Inc.'s profit margin has increased (20.95%) in the last year from 19.43% to 23.50%, signaling increasing performance

Byline Bancorp, Inc.'s short-term liabilities of $4.76B exceed its short-term assets of $1.47B, signaling financial risk

Byline Bancorp, Inc.'s return on assets of 1.50% is lower than the 5.00% threshold, indicating inefficient asset utilization

Byline Bancorp, Inc.'s return on equity of 11.75%, is lower than 15.00%, indicating bad performance

Byline Bancorp, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Byline Bancorp, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Byline Bancorp, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Byline Bancorp, Inc. has a free cash flow yield of 7.81%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Byline Bancorp, Inc.'s yearly earnings has increased 7.69% since last year from $120.76M to $130.05M, signaling increasing performance

Byline Bancorp, Inc.'s yearly revenue has increased 1.30% since last year from $621.42M to $629.49M, signaling increasing performance

ROIC -2.66% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Byline Bancorp, Inc.'s 3-year revenue CAGR of 20.87% is positive, indicating growing revenue over the past 3 years

Byline Bancorp, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Byline Bancorp, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Byline Bancorp, Inc. is overvalued relative to its fair value price of 32.63 based on Discounted Cash Flow model

Byline Bancorp, Inc. has an earnings yield of 8.67%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Byline Bancorp, Inc. is overvalued relative to its fair value price of 17.69 based on EBITDA multiple model

Byline Bancorp, Inc. has an EV/EBITDA ratio of 4.50x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Byline Bancorp, Inc. is undervalued relative to its fair value price of 73.98 based on Earnings Fair Value model

Byline Bancorp, Inc. has a PEG-ratio under 1 which is considered undervalued

Byline Bancorp, Inc. has a price-to-book ratio of 1.32x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Byline Bancorp, Inc. has a price-to-sales ratio of 2.71x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue