For the year ending 2025-12-31, BY had -$414,043K decrease in cash & cash equivalents over the period. $136,321K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 130,051 |
| Provision for credit losses | 36,102 |
| Impairment loss on premises and equipment | 0 |
| Impairment loss on right-of-use asset | 0 |
| Impairment loss on assets held for sale | 195 |
| Depreciation and amortization of premises and equipment | 4,551 |
| Net amortization (accretion) of securities | 5,900 |
| Change in fair value of equity securities, net | 795 |
| Net losses on sales of securities available-for-sale | -21 |
| Net gains on sales or disposals of premises, rou asset and assets held for sale | 672 |
| Net gains on sales of loans | 22,719 |
| Net gains on sales of leases | 119 |
| Originations of u.s. government guaranteed loans | 330,073 |
| Proceeds from u.s. government guaranteed loans sold | 292,355 |
| Accretion of premiums and discounts on acquired loans, net | 10,413 |
| Net change in servicing assets | 282 |
| Net losses on sales and valuation adjustments of other real estate owned | 1,060 |
| Net amortization of other acquisition accounting adjustments | 5,730 |
| Amortization of subordinated debt issuance cost | 160 |
| Loss on extinguishment of subordinated debt | -843 |
| Accretion of junior subordinated debentures discount | 519 |
| Share-based compensation expense | 9,280 |
| Deferred tax provision (benefit) | 7,763 |
| Increase in cash surrender value of bank owned life insurance | 3,516 |
| Gain on death benefit of bank owned life insurance | 587 |
| Accrued interest receivable and other assets | -2,937 |
| Accrued interest payable and other liabilities | 23,827 |
| Net cash provided by operating activities | 140,318 |
| Purchases of securities available-for-sale | 182,619 |
| Proceeds from maturities and calls of securities available-for-sale | 80,421 |
| Proceeds from paydowns of securities available-for-sale | 176,990 |
| Proceeds from sales of securities available-for-sale | 99,496 |
| Proceeds from maturities and calls of securities held-to-maturity | 605 |
| Redemptions (purchases) of federal home loan bank stock, net | -6,138 |
| Proceeds from other loans and leases sold | 12,184 |
| Net change in loans and leases | 480,186 |
| Purchases of premises and equipment | 3,997 |
| Proceeds from sales of premises and equipment | 0 |
| Proceeds from sales of assets held for sale | 2,146 |
| Proceeds from sales of other real estate owned | 1,661 |
| Proceeds from bank owned life insurance death benefit | 1,736 |
| Net cash received in acquisition of a business | 61,834 |
| Net cash used in investing activities | -223,591 |
| Net increase (decrease) in deposits | -90,502 |
| Proceeds from short-term borrowings | 7,410,000 |
| Repayments of short-term borrowings | 7,645,000 |
| Proceeds from revolving line of credit | 0 |
| Repayments of revolving line of credit | 0 |
| Proceeds from term loan | 0 |
| Repayments of term loan | 11,667 |
| Proceeds from btfp advances | 0 |
| Repayment of btfp advances | 0 |
| Proceeds from subordinated debt, net of issuance costs | 73,897 |
| Repayment of subordinated debt | 75,000 |
| Net change in securities sold under agreements to repurchase | 47,492 |
| Dividends paid on common stock | 18,164 |
| Proceeds from issuance of common stock | 1,903 |
| Repurchase of common stock | 23,729 |
| Net cash provided by (used in) financing activities | -330,770 |
| Net increase in cash and cash equivalents | -414,043 |
| Cash and cash equivalents, beginning of period | 563,138 |
| Cash and cash equivalents, end of period | 149,095 |
BYLINE BANCORP, INC. (BY)
BYLINE BANCORP, INC. (BY)