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Byline Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$61.7M in Q3 2026 · $185M over twelve months

Operating cash flow$62.5M
Capital spending−$791K
Free cash flow+$61.7M
Cash / net income1.5×

Analysis

In Q3 2026, Byline Bancorp generated $62.5M of operating cash flow and spent $791K on capital projects, leaving free cash flow of $61.7M. That is $22.6M more than in Q3 2025 ($39.1M).

Over the twelve months to Sep 30, 2026, operating cash flow was $188M; the largest uses were other investing ($206M), net borrowing (+) / repaid (−) ($153M), buybacks ($48.8M); besides operations, cash came from other financing ($204M), shares issued ($1.8M); the cash balance fell by $42.5M.

Operating cash flow was $62.5M against net income of $41.8M — 1.5× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$2.3M, depreciation & amortization +$1.0M, deferred taxes −$91K.

Free cash flow

Byline Bancorp: free cash flow by quarterByline Bancorp: free cash flow by quarter$50.8MQ4 2024$25.8MQ1 2025$15.5MQ2 2025$39.1MQ3 2025$56.0MQ4 2025$54.1MQ1 2026$13.2MQ2 2026$61.7MQ3 2026
Operating cash flow less capital spending.
Byline Bancorp: operating cash flow against capital spendingByline Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$52.9M$2.1MQ4 2024$27.8M$2.0MQ1 2025$16.5M$1.1MQ2 2025$39.5M$381KQ3 2025$56.5M$516KQ4 2025$54.6M$458KQ1 2026$14.2M$1.0MQ2 2026$62.5M$791KQ3 2026
Latest (Q3 2026): Operating cash flow $62.5M, Capital spending $791K.

Capital allocation, year by year

Byline Bancorp: where the cash came from (up) and went (down), by fiscal yearByline Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $74.4MFY2021: Net borrowing $256MFY2021: Shares issued $2.1MFY2021: Asset sales $296KFY2021: Capital spending −$2.2MFY2021: Buybacks −$28.9MFY2021: Dividends −$11.3M$333MFY2021FY2022: Operating cash flow $220MFY2022: Net borrowing $135MFY2022: Shares issued $1.5MFY2022: Asset sales $28KFY2022: Capital spending −$3.6MFY2022: Buybacks −$17.3MFY2022: Dividends −$13.4M$357MFY2022FY2023: Operating cash flow $166MFY2023: Net borrowing −$309MFY2023: Shares issued $1.8MFY2023: Capital spending −$3.9MFY2023: Dividends −$14.6M$168MFY2023FY2024: Operating cash flow $175MFY2024: Net borrowing $239MFY2024: Shares issued $4.5MFY2024: Asset sales $623KFY2024: Capital spending −$4.0MFY2024: Dividends −$15.8M$419MFY2024FY2025: Operating cash flow $140MFY2025: Net borrowing −$235MFY2025: Shares issued $1.9MFY2025: Capital spending −$4.0MFY2025: Buybacks −$23.7MFY2025: Dividends −$18.2M$142MFY2025
Over these 5 years operating cash flow totalled $776M; the largest uses were net borrowing ($544M) and dividends ($73.3M). Cash-flow statements as filed.

Where the cash came from and went

Byline Bancorp: sources (+) and uses (−) of cash, Q3 2026Byline Bancorp: sources (+) and uses (−) of cash, Q3 2026Net borrowing (+) / repaid (−)−$188MOther financing$169MOperating cash flow$62.5MCash drawn (+) / kept (−)−$25.1MBuybacks−$20.2MOther investing$9.1MDividends−$6.2MCapital spending−$791KShares issued$120KTaxes on employees’ shares−$110K
Byline Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Byline Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$206MOther financing$204MOperating cash flow$188MNet borrowing (+) / repaid (−)−$153MBuybacks−$48.8MCash drawn (+) / kept (−)$42.5MDividends−$21.8MTaxes on employees’ shares−$4.2MCapital spending−$2.8MShares issued$1.8M

From profit to cash

Byline Bancorp: net income to operating cash flow, Q3 2026Byline Bancorp: net income to operating cash flow, Q3 2026Net income$41.8MDepreciation & amortization$1.0MStock-based pay$2.3MDeferred taxes−$91KOperating cash flow$62.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$62.5M−$791K−$20.2M−$6.2M−$188M$120K−$25.1M$61.7M
Q2 2026$14.2M−$1.0M−$9.1M−$5.7M−$40.0M$792K$4.8M$13.2M
Q1 2026$54.6M−$458K−$9.8M−$5.4M$84.8M$120K−$49.3M$54.1M
Q4 2025$56.5M−$516K−$9.8M−$4.5M$20.0M$723K$112M$56.0M
Q3 2025$39.5M−$381K−$193K−$4.5M−$60.0M$137K−$41.8M$39.1M
Q2 2025$16.5M−$1.1M−$13.1M−$4.8M−$170M$1.0M$203M$15.5M
Q1 2025$27.8M−$2.0M−$687K−$4.4M−$25.0M$13K$141M$25.8M
Q4 2024$52.9M−$2.1M—−$3.9M$105M$1.3M−$111M$50.8M

Byline Bancorp: income statement and cash flow

Byline Bancorp, Q3 2026: revenue $121M (+5% year over year), operating margin 45.0%. The chart follows the revenue to costs, profit and cash.

Byline Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.