Demonstrações financeiras detalhadas de Byline Bancorp, Inc. (BY): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Byline Bancorp, Inc. registou receitas de $629.5M no último exercício, com um CAGR de 5 anos de 16.5%. O lucro líquido atingiu $130.1M, com CAGR de 5 anos de 28.3%.
Margens dos últimos 12 meses: margem bruta 69.3%, margem operacional 33.1%, margem líquida 23.5%. O fluxo de caixa livre cresceu a CAGR de 5.3% em 5 anos.
Ao preço atual de $37.62, BY negocia a um P/L de 11.15 e um ROE de 11.75%. A capitalização de mercado é de $1.7B.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Receita | $120.5M | $182.4M | $250.2M | $311.7M | $293.5M | $316.1M | $356.5M | $532.5M | $621.4M | $629.5M |
| Custo da Receita | $18.1M | $26.5M | $47.1M | $69.2M | $80.9M | $13.5M | $60.1M | $180.5M | $244.9M | $213.3M |
| Lucro Bruto | $102.4M | $155.9M | $203.0M | $242.4M | $212.6M | $302.6M | $296.4M | $352.0M | $376.5M | $416.2M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $51.2M | $68.3M | $82.1M | $98.7M | $91.0M | $103.0M | $120.9M | $130.8M | $145.1M | $133.0M |
| Despesas Operacionais | $97.0M | $115.1M | $147.6M | $165.2M | $160.9M | $178.4M | $181.7M | $206.3M | $215.4M | $233.3M |
| Lucro Operacional | $5.5M | $40.8M | $55.4M | $77.3M | $51.7M | $124.2M | $114.7M | $145.7M | $161.1M | $183.0M |
| EBITDA | $13.5M | $49.1M | $61.0M | $83.7M | $58.1M | $130.2M | $119.0M | $150.2M | $166.1M | $187.9M |
| Despesas com Juros | $7.7M | $13.9M | $28.3M | $48.5M | $24.3M | $12.5M | $36.2M | $148.9M | $217.9M | $186.9M |
| Lucro Antes de Impostos | $5.5M | $40.8M | $55.4M | $77.3M | $51.7M | $124.2M | $114.7M | $145.7M | $161.1M | $173.3M |
| Imposto | -$61.2M | $19.1M | $14.2M | $20.3M | $14.2M | $31.4M | $26.7M | $37.8M | $40.3M | $43.2M |
| Lucro Líquido | $66.7M | $21.7M | $41.2M | $57.0M | $37.5M | $92.8M | $88.0M | $107.9M | $120.8M | $130.1M |
| LPA | $2.71 | $0.39 | $1.21 | $1.51 | $0.96 | $2.45 | $2.37 | $2.69 | $2.78 | $2.90 |
| LPA Diluído | $2.66 | $0.38 | $1.18 | $1.48 | $0.96 | $2.40 | $2.34 | $2.67 | $2.75 | $2.89 |
| Ações em Circulação (Diluídas) | $25.1M | $27.5M | $34.2M | $38.0M | $38.3M | $38.4M | $37.5M | $40.4M | $43.9M | $45.4M |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Caixa e Equivalentes | $46.5M | $58.3M | $121.9M | $80.7M | $83.4M | $157.9M | $179.4M | $226.1M | $563.1M | $60.2M |
| Investimentos de Curto Prazo | $608.6M | $583.2M | $817.7M | $1.19B | $1.45B | $1.45B | $1.17B | $1.34B | $1.17B | $1.41B |
| Contas a Receber | $165.8M | $221.7M | $207.5M | $235.0M | $387.0M | $386.8M | $557.7M | $736.8M | $787.3M | 0 |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $820.9M | $863.2M | $1.15B | $1.50B | $1.92B | $2.00B | $1.91B | $2.31B | $2.52B | $1.47B |
| Imobilizado | $102.1M | $95.2M | $97.7M | $96.1M | $86.7M | $74.2M | $68.2M | $79.1M | $70.3M | $58.0M |
| Ágio | $52.0M | $54.6M | $128.2M | $148.4M | $148.4M | $148.4M | $148.4M | $181.7M | $181.7M | $200.5M |
| Ativos Intangíveis | $19.8M | $16.8M | $33.4M | $31.9M | $24.3M | $17.2M | $10.5M | $21.8M | $16.4M | 0 |
| Ativos Totais | $3.30B | $3.37B | $4.94B | $5.52B | $6.39B | $6.70B | $7.36B | $8.88B | $9.50B | $9.65B |
| Contas a Pagar | $2.4M | $1.3M | $3.5M | $3.7M | $1.5M | $262000 | $4.5M | $22.2M | $21.1M | 0 |
| Dívida de Curto Prazo | $37.9M | $31.2M | $34.2M | $49.6M | $42.0M | $29.7M | $15.4M | $51.9M | $32.1M | 0 |
| Passivos Circulantes | $2.57B | $2.52B | $3.83B | $4.24B | $4.87B | $5.24B | $5.85B | $7.25B | $7.51B | $4.76B |
| Dívida de Longo Prazo | $340.6M | $389.2M | $461.8M | $527.3M | $343.8M | $600.4M | $736.0M | $487.7M | $731.6M | $564.9M |
| Passivos Totais | $2.91B | $2.91B | $4.29B | $4.77B | $5.59B | $5.86B | $6.60B | $7.89B | $8.41B | $8.38B |
| Reservas | $50.9M | $61.3M | $102.5M | $159.0M | $191.1M | $271.7M | $335.8M | $429.0M | $533.9M | $645.7M |
| Patrimônio Líquido | $382.7M | $458.6M | $650.7M | $750.1M | $805.5M | $836.4M | $765.8M | $990.2M | $1.09B | $1.27B |
| Dívida Total | $378.5M | $420.3M | $495.9M | $577.0M | $385.8M | $645.8M | $765.8M | $553.8M | $774.7M | $564.9M |
| Dívida Líquida | -$276.6M | -$221.2M | -$443.6M | -$690.1M | -$1.14B | -$966.7M | -$588.0M | -$1.01B | -$954.6M | -$900.3M |
| Capital de Giro | -$1.75B | -$1.66B | -$2.68B | -$2.74B | -$2.95B | -$3.24B | -$3.94B | -$4.95B | -$5.00B | -$3.30B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Lucro Líquido | $66.7M | $21.7M | $41.2M | $57.0M | $37.5M | $92.8M | $88.0M | $107.9M | $120.8M | $130.1M |
| Depreciação e Amortização | $8.1M | $8.3M | $5.6M | $6.4M | $6.5M | $6.0M | $4.3M | $4.5M | $5.0M | $4.6M |
| Compensação em Ações | $899000 | $1.5M | $1.5M | $1.7M | $2.6M | $4.0M | $5.3M | $6.7M | $7.9M | $9.3M |
| Variação Capital de Giro | -$10.8M | -$11.4M | -$9.2M | -$18.7M | $32.7M | -$45.6M | $36.8M | -$8.4M | $62.8M | $26.8M |
| Fluxo de Caixa Operacional | $4.2M | $26.9M | $79.9M | $29.3M | $109.0M | $74.4M | $220.3M | $166.1M | $175.2M | $140.3M |
| CapEx | -$5.9M | -$2.5M | -$2.6M | -$4.3M | -$3.9M | -$2.2M | -$3.6M | -$3.9M | -$4.0M | -$4.0M |
| Aquisições | -$11.3M | 0 | $20.4M | $4.3M | 0 | 0 | 0 | $7.8M | 0 | $61.8M |
| Recompra de Ações | 0 | -$15.0M | 0 | 0 | -$1.7M | -$28.9M | -$17.3M | 0 | 0 | -$23.7M |
| Dividendos Pagos | 0 | -$11.3M | -$783000 | -$783000 | -$6.5M | -$12.1M | -$13.6M | -$14.6M | -$15.8M | -$18.2M |
| Fluxo de Caixa Livre | -$1.7M | $24.3M | $77.4M | $25.0M | $105.1M | $72.2M | $216.7M | $162.2M | $171.2M | $136.3M |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Crescimento Receita (anual) | +51.3% | +37.1% | +24.6% | -5.8% | +7.7% | +12.8% | +49.4% | +16.7% | +1.3% | |
| Crescimento Lucro Líquido (anual) | -67.5% | +89.9% | +38.4% | -34.3% | +147.6% | -5.2% | +22.7% | +11.9% | +7.7% | |
| Crescimento LPA (anual) | -85.6% | +210.3% | +24.8% | -36.4% | +155.2% | -3.3% | +13.5% | +3.3% | +4.3% | |
| Variação de Ações (anual) | +9.7% | +24.1% | +11.1% | +0.9% | +0.1% | -2.3% | +7.9% | +8.4% | +3.6% | |
| Crescimento FCF (anual) | +1520.3% | +218.1% | -67.6% | +319.6% | -31.3% | +200.2% | -25.1% | +5.5% | -20.4% | |
| Margem Bruta | 85.0% | 85.5% | 81.2% | 77.8% | 72.4% | 95.7% | 83.1% | 66.1% | 60.6% | 66.1% |
| Margem Operacional | 4.5% | 22.4% | 22.2% | 24.8% | 17.6% | 39.3% | 32.2% | 27.4% | 25.9% | 29.1% |
| Margem EBITDA | 11.2% | 26.9% | 24.4% | 26.8% | 19.8% | 41.2% | 33.4% | 28.2% | 26.7% | 29.8% |
| Margem Líquida | 55.4% | 11.9% | 16.5% | 18.3% | 12.8% | 29.3% | 24.7% | 20.3% | 19.4% | 20.7% |
| Margem FCF | -1.4% | 13.3% | 30.9% | 8.0% | 35.8% | 22.8% | 60.8% | 30.5% | 27.5% | 21.7% |
| Taxa Efetiva de Imposto | -1116.8% | 46.8% | 25.7% | 26.3% | 27.5% | 25.3% | 23.3% | 25.9% | 25.0% | 24.9% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| FCF por Ação | $-0.07 | $0.88 | $2.26 | $0.66 | $2.74 | $1.88 | $5.78 | $4.01 | $3.90 | $3.00 |
| Dividendo por Ação | $0.00 | $0.41 | $0.02 | $0.02 | $0.17 | $0.31 | $0.36 | $0.36 | $0.36 | $0.40 |
| Ações em Circulação (Básicas) | $24.6M | $27.0M | $33.3M | $37.3M | $38.0M | $37.6M | $37.0M | $40.0M | $43.4M | $44.8M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 11.75% |
| Retorno sobre capital investido | -2.66% |
| Retorno sobre ativos | 1.50% |
| Margem bruta | 69.35% |
| Margem operacional | 33.07% |
| Margem líquida | 23.50% |
Saúde financeira
| Dívida / Patrimônio | 0.46 |
| Liquidez corrente | 0.20 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/L | 7.40 | 58.90 | 13.77 | 12.96 | 16.09 | 11.16 | 9.69 | 8.76 | 10.43 | 10.05 |
| P/VP | 1.29 | 1.35 | 0.85 | 0.97 | 0.73 | 1.23 | 1.11 | 0.95 | 1.15 | 1.03 |
| P/V | 4.10 | 3.39 | 2.22 | 2.34 | 2.00 | 3.25 | 2.38 | 1.77 | 2.03 | 2.08 |
| Margem Bruta | 85.0% | 85.5% | 81.2% | 77.8% | 72.4% | 95.7% | 83.1% | 66.1% | 60.6% | 66.1% |
| Margem Operacional | 4.5% | 22.4% | 22.2% | 24.8% | 17.6% | 39.3% | 32.2% | 27.4% | 25.9% | 29.1% |
| Margem Líquida | 55.4% | 11.9% | 16.5% | 18.3% | 12.8% | 29.3% | 24.7% | 20.3% | 19.4% | 20.7% |
Empresas relacionadas: BFC · CNOB · FSUN · PEBO · PFBC · QCRH · RBCAA
Explorar setor: Financial Services · Banks - Regional
Mais seções de BY: Resumo · Avaliação · Estatísticas · Estimativas · Técnico · Propriedade · Notícias · Eventos
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