Byline Bancorp, Inc. — Earnings Quality Grade F
BY · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 33 days, change -4 days YoY
AR growth -2.1% vs revenue growth 9.4%
Revenue 9.4%, CFFO -19.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 0.1% vs revenue 9.4%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.08. Profits backed by cash
FCF $0.1B, FCF/NI = 1.05
Accruals ratio = -0.1%. Low accruals
Cash $0.1B covers only 30% of debt $0.5B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 16% of equity. Manageable
Insufficient data
Insufficient data
Write-offs normal
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor BY continuously
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Altman Z-Score — Not Applicable
Byline Bancorp, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25