BY Byline Bancorp, Inc. Common Stock
$32.33
가격 · 5월 20, 2026
기준 재무 정보 5월 1, 2026
52주 범위
$25–$34
79% of range
애널리스트 평점
BUY
13 analysts
목표 주가
$37
+16% upside
P/E (TTM)
10.1
ROE
10.6%
순이익률
29.1%
BY 주식 스냅샷 가격, 시가총액, P/E, EPS, ROE, 부채/자본, 52주 범위
가격
$32.33
시가총액
$1.33B
P/E (TTM)
10.1
EPS (TTM)
$2.89
매출 (TTM)
—
배당 수익률
1.4%
ROE
10.6%
부채/자본
0.0
52주 범위
$25 – $34
BY 주가 차트 기술 지표가 포함된 일일 OHLCV — 팬, 확대/축소 및 보기 사용자 정의
Configure
10년 성과 매출, 순이익, 마진 및 EPS 추세
매출 및 순이익
—
EPS
$2.89
2016-12-31
→
2025-12-31
잉여현금흐름
$136M
2018-12-31
→
2025-12-31
마진
29.1%
가치 평가 P/E, P/S, P/B, EV/EBITDA 비율 — 주식이 비싼가요, 싼가요?
지표
5년 추세
BY
동종업계 중앙값
P/E (TTM)
10.1
11.7
P/S (TTM)
3.0
2.6
P/B
1.0
1.4
EV / EBITDA
259.0
—
Price / FCF (주가 / FCF)
9.7
—
수익성 총, 영업 및 순이익률; ROE, ROA, ROIC
지표
5년 추세
BY
동종업계 중앙값
Net Profit Margin (순이익률)
29.1%
30.2%
ROA
1.4%
1.3%
ROE
10.6%
11.2%
재무 건전성 부채, 유동성, 지급능력 — 대차대조표 건전성
지표
5년 추세
BY
동종업계 중앙값
Debt / Equity (부채 / 자기자본 비율)
0.0
13.1
성장 매출, EPS 및 순이익 성장률: YoY, 3년 CAGR, 5년 CAGR
지표
5년 추세
BY
동종업계 중앙값
Revenue YoY (매출 YoY)
9.7%
—
Revenue CAGR 3Y (매출 CAGR 3년)
11.4%
—
Revenue CAGR 5Y (매출 CAGR 5년)
10.0%
—
EPS YoY
5.1%
—
Net Income YoY (순이익 YoY)
7.7%
—
자본 효율성 자산 회전율, 재고 회전율, 매출채권 회전율
지표
5년 추세
BY
동종업계 중앙값
Payout Ratio (지급 비율)
14.0%
—
배당금 배당 수익률, 지급 비율, 배당 이력, 5년 CAGR
배당 수익률
1.4%
지급 비율
14.0%
5년 배당 CAGR
—
| 배당락일 | 금액 |
|---|---|
| 2026년 5월 5일 | $0.1200 |
| 2026년 2월 3일 | $0.1200 |
| 2025년 11월 4일 | $0.1000 |
| 2025년 8월 5일 | $0.1000 |
| 2025년 5월 6일 | $0.1000 |
| 2025년 2월 4일 | $0.1000 |
| 2024년 11월 5일 | $0.0900 |
| 2024년 8월 6일 | $0.0900 |
| 2024년 5월 6일 | $0.0900 |
| 2024년 2월 5일 | $0.0900 |
| 2023년 11월 6일 | $0.0900 |
| 2023년 8월 7일 | $0.0900 |
| 2023년 5월 8일 | $0.0900 |
| 2023년 2월 6일 | $0.0900 |
| 2022년 11월 7일 | $0.0900 |
| 2022년 8월 8일 | $0.0900 |
| 2022년 5월 6일 | $0.0900 |
| 2022년 2월 7일 | $0.0900 |
| 2021년 11월 8일 | $0.0900 |
| 2021년 8월 9일 | $0.0900 |
BY 분석가 합의 강세 및 약세 애널리스트 의견, 12개월 목표 주가, 상승 여력
매수
13 명의 애널리스트
- 적극 매수 3 23.1%
- 매수 7 53.8%
- 보유 3 23.1%
- 매도 0 0.0%
- 적극 매도 0 0.0%
12개월 목표 주가
5 명의 애널리스트 · 2026-05-19
중앙값
$39.00
평균
$37.40
← 모든 목표가 하회
$32.33
저가
$34.00
고가
$40.00
중앙값 목표
$39.00
+20.6%
평균 목표
$37.40
+15.7%
실적 기록 EPS 실제 vs 예상, 서프라이즈 %, 달성률, 다음 실적 발표일
평균 서프라이즈
0.04%
| 기간 | EPS Actual | EPS 예상 | 서프라이즈 |
|---|---|---|---|
| 2026년 3월 31일 | $0.83 | $0.77 | 0.06% |
| 2025년 12월 31일 | $0.76 | $0.74 | 0.02% |
| 2025년 9월 30일 | $0.82 | $0.74 | 0.08% |
| 2025년 6월 30일 | $0.66 | $0.64 | 0.02% |
| 2025년 3월 31일 | $0.64 | $0.63 | 0.01% |
동료 비교 주요 지표 대 섹터 동종 기업
| 티커 | 시가총액 | P/E | 매출 YoY | 순이익률 | ROE | 매출 총이익률 |
|---|---|---|---|---|---|---|
| BY | $1.33B | 10.1 | 9.7% | 29.1% | 10.6% | — |
| HOPE | $1.41B | 22.4 | 5.0% | 12.3% | 2.7% | — |
| BFC | $1.20B | 16.8 | 10.4% | 41.1% | 11.4% | — |
| TFIN | $1.49B | 67.3 | 5.6% | 5.8% | 2.7% | — |
| QCRH | $1.39B | 11.1 | 46.3% | 34.4% | 11.8% | — |
| CNOB | — | — | — | — | — | — |
| LKFN | $1.44B | 14.2 | 6.1% | 38.4% | 14.3% | — |
| OBK | — | 15.7 | 9.9% | — | — | — |
| RBCAA | — | — | 8.5% | 31.4% | 12.2% | — |
| WABC | $1.18B | 10.6 | -12.2% | 45.0% | 12.5% | — |
| BHRB | $936M | 8.1 | 30.6% | 34.3% | 14.3% | — |
전체 기본 지표 연도별 모든 지표 — 손익계산서, 대차대조표, 현금흐름
손익계산서 10
| 지표 | 추세 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $149M | $36M | $13M | $24M | $49M | $28M | $14M | $8M | $7M | |
| Interest Income | $572M | $566M | $479M | $302M | $249M | $239M | $265M | $207M | $137M | $98M | $83M | |
| Pretax Income | $173M | $161M | $146M | $115M | $124M | $52M | $77M | $55M | $41M | $5M | $-15M | |
| Income Tax | $43M | $40M | $38M | $27M | $31M | $14M | $20M | $14M | $19M | $-61M | $307.0K | |
| Net Income | $130M | $121M | $108M | $88M | $93M | $37M | $57M | $41M | $22M | $67M | $-15M | |
| EPS (Basic) | $2.90 | $2.78 | $2.69 | $2.37 | $2.45 | $0.96 | $1.51 | $1.21 | $0.39 | $3.31 | $-0.86 | |
| EPS (Diluted) | $2.89 | $2.75 | $2.67 | $2.34 | $2.40 | $0.96 | $1.48 | $1.18 | $0.38 | $3.27 | $-0.86 | |
| Shares (Basic) | 44,798,651 | 43,448,856 | 40,045,208 | 36,972,972 | 37,609,723 | 38,031,250 | 37,290,486 | 33,292,619 | 26,963,517 | 20,141,630 | 17,332,775 | |
| Shares (Diluted) | 45,063,611 | 43,853,939 | 40,445,553 | 37,476,120 | 38,369,067 | 38,312,608 | 37,986,463 | 34,179,754 | 27,547,314 | 20,430,783 | 17,332,775 | |
| EBITDA | $5M | $5M | $5M | $4M | $6M | $6M | $6M | $6M | · | · | · |
대차대조표 18
| 지표 | 추세 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $149M | $563M | $226M | $179M | $158M | $83M | $81M | $122M | $58M | $47M | $45M | |
| PP&E (Net) | $58M | $61M | $67M | $57M | $63M | $87M | $96M | $98M | $95M | $102M | · | |
| PP&E (Gross) | · | · | $68M | $63M | $65M | $78M | $78M | $74M | $80M | $62M | · | |
| Accum. Depreciation | $31M | $34M | $33M | $35M | $33M | $34M | $26M | $22M | $30M | $10M | · | |
| Goodwill | $182M | $182M | $182M | $148M | $148M | $148M | $148M | $128M | $55M | $52M | $26M | |
| Intangibles | $19M | $16M | $22M | $11M | $17M | $24M | $32M | $33M | $17M | · | · | |
| Total Assets | $9.65B | $9.50B | $8.88B | $7.36B | $6.70B | $6.39B | $5.52B | $4.94B | $3.37B | $3.30B | · | |
| Short-term Debt | $0 | $12M | $18M | $0 | · | · | $540M | · | · | · | · | |
| Total Liabilities | $8.38B | $8.41B | $7.89B | $6.60B | $5.86B | $5.59B | $4.77B | $4.29B | $2.91B | $2.91B | · | |
| Total Debt | $0 | $12M | $18M | · | · | · | · | · | · | · | · | |
| Common Stock | $471.0K | $455.0K | $451.0K | $389.0K | $387.0K | $384.0K | $379.0K | $361.0K | $292.0K | · | · | |
| Paid-in Capital | $761M | $718M | $710M | $598M | $594M | $587M | $581M | $547M | $392M | $314M | · | |
| Retained Earnings | $646M | $534M | $429M | $336M | $272M | $191M | $159M | $103M | $61M | $51M | · | |
| Treasury Stock | $66M | $47M | $50M | $51M | $32M | $2M | · | · | · | · | · | |
| AOCI | $-73M | $-114M | $-100M | $-118M | $-8M | $-18M | $-700.0K | $-9M | $-5M | $-7M | · | |
| Stockholders' Equity | $1.27B | $1.09B | $990M | $766M | $836M | $805M | $750M | $651M | $459M | $383M | $188M | |
| Liabilities + Equity | $9.65B | $9.50B | $8.88B | $7.36B | $6.70B | $6.39B | $5.52B | $4.94B | $3.37B | $3.30B | · | |
| Shares Outstanding | 45,545,928 | 44,459,584 | 43,764,056 | 37,492,775 | 37,713,903 | 38,618,054 | 38,256,500 | 36,343,239 | 29,317,298 | 24,616,706 | · |
현금 흐름 17
| 지표 | 추세 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $5M | $5M | $5M | $4M | $6M | $6M | $6M | $6M | $5M | $5M | $6M | |
| Stock-based Comp | $9M | $8M | $7M | $5M | $4M | $3M | $2M | $2M | $1M | $899.0K | $1M | |
| Deferred Tax | $8M | $-3M | $27M | $26M | $-60.0K | $-9M | $-882.0K | $15M | $17M | $-62M | · | |
| Amort. of Intangibles | $6M | $5M | $6M | $7M | $7M | $8M | $8M | $6M | $3M | $3M | $3M | |
| Other Non-cash | $-11M | $44M | $20M | $97M | $-28M | $72M | $-35M | $16M | · | · | · | |
| Operating Cash Flow | $140M | $175M | $166M | $220M | $74M | $109M | $29M | $80M | $27M | $4M | $-43M | |
| CapEx | $4M | $4M | $4M | $4M | $2M | $4M | $4M | $3M | $3M | $6M | $4M | |
| Investing Cash Flow | $-224M | $-331M | $-336M | $-820M | $-236M | $-886M | $-251M | $-369M | $-62M | $-302M | · | |
| Stock Issued | $2M | $5M | $2M | $2M | $2M | $4M | $4M | $3M | $77M | $50M | · | |
| Stock Repurchased | $24M | $0 | $0 | $17M | $29M | $2M | $0 | · | · | · | · | |
| Net Stock Activity | $-22M | $5M | $2M | $-16M | $-27M | $2M | $580.0K | $203.0K | · | · | · | |
| Dividends Paid | $18M | $16M | $15M | $13M | $11M | $6M | $0 | · | · | · | · | |
| Financing Cash Flow | $-331M | $493M | $217M | $621M | $236M | $780M | $180M | $353M | $47M | $299M | · | |
| Net Change in Cash | $-414M | $337M | $47M | $21M | $75M | $3M | $-41M | $64M | $12M | $2M | $-112M | |
| Taxes Paid | · | $12M | $12M | $29M | $35M | $14M | $19M | $4M | $3M | $-250.0K | · | |
| Free Cash Flow | $136M | $171M | $162M | $217M | $72M | $105M | $25M | $77M | · | · | · | |
| Levered FCF | · | · | $52M | $189M | $63M | $88M | $-11M | $56M | · | · | · |
수익성 5
| 지표 | 추세 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.1% | 29.7% | 27.9% | 27.3% | 29.9% | 13.5% | 21.0% | 17.9% | · | · | · | |
| Pretax Margin | 38.8% | 39.6% | 37.6% | 35.5% | 40.0% | 18.6% | 28.4% | 24.1% | · | · | · | |
| EBITDA Margin | 1.0% | 1.2% | 1.2% | 1.3% | 1.9% | 2.3% | 2.4% | 2.4% | · | · | · | |
| ROA | 1.4% | 1.3% | 1.3% | 1.2% | 1.4% | 0.63% | 1.1% | 0.99% | · | · | · | |
| ROE | 10.6% | 11.0% | 11.3% | 11.6% | 11.2% | 4.7% | 7.7% | 6.4% | · | · | · |
유동성 및 지급능력 1
| 지표 | 추세 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.0 | 0.0 | 0.0 | · | · | · | · | · | · | · | · |
효율성 1
| 지표 | 추세 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | · | · | · |
성장률 10
| 지표 | 추세 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 9.7% | 5.2% | 19.9% | 3.9% | 12.1% | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 11.4% | 9.4% | 11.8% | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 10.0% | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 5.1% | 3.0% | 14.1% | -2.5% | 150.0% | · | · | · | · | · | · | |
| EPS CAGR 3Y | 7.3% | 4.6% | 40.6% | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 24.7% | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 7.7% | 11.9% | 22.7% | -5.2% | 147.6% | · | · | · | · | · | · | |
| Net Income CAGR 3Y | 13.9% | 9.2% | 42.3% | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 28.3% | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 26.0% | · | · | · | · | · | · | · | · | · | · |
가치 평가 (TTM) 17
| 지표 | 추세 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $446M | $407M | $387M | $323M | $311M | $277M | $272M | $228M | $172M | · | · | |
| Net Income TTM | $130M | $121M | $108M | $88M | $93M | $37M | $57M | $41M | $22M | · | · | |
| Market Cap | $1.33B | $1.29B | $1.03B | $861M | $1.03B | $597M | $749M | $605M | · | · | · | |
| Enterprise Value | $1.18B | $738M | $823M | · | · | · | · | · | · | · | · | |
| P/E | 10.1 | 10.5 | 8.8 | 9.8 | 11.4 | 16.1 | 13.2 | 14.1 | 60.4 | · | · | |
| P/S | 3.0 | 3.2 | 2.7 | 2.7 | 3.3 | 2.2 | 2.8 | 2.7 | · | · | · | |
| P/B | 1.0 | 1.2 | 1.0 | 1.1 | 1.2 | 0.7 | 1.0 | 0.9 | · | · | · | |
| P / Tangible Book | 1.2 | 1.4 | 1.3 | 1.4 | 1.5 | 0.9 | · | · | · | · | · | |
| P / Cash Flow | 9.5 | 7.4 | 6.2 | 3.9 | 13.9 | 5.5 | 25.5 | 7.6 | · | · | · | |
| P / FCF | 9.7 | 7.5 | 6.4 | 4.0 | 14.3 | 5.7 | 29.9 | 7.8 | · | · | · | |
| EV / EBITDA | 259.0 | 146.7 | 181.8 | · | · | · | · | · | · | · | · | |
| EV / FCF | 8.6 | 4.3 | 5.1 | · | · | · | · | · | · | · | · | |
| EV / Revenue | 2.6 | 1.8 | 2.1 | · | · | · | · | · | · | · | · | |
| Dividend Yield | 1.4% | 1.2% | 1.4% | 1.6% | 1.1% | 0.96% | 0.00% | · | · | · | · | |
| Earnings Yield | 9.9% | 9.5% | 11.3% | 10.2% | 8.8% | 6.2% | 7.6% | 7.1% | 1.7% | · | · | |
| Payout Ratio | 14.0% | 13.1% | 13.5% | 15.2% | 12.2% | 15.2% | · | · | · | · | · | |
| Annual Payout | $18M | $16M | $15M | $13M | $11M | $6M | $0 | · | · | · | · |
손익계산서 10
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | $55M | $53M | · | $44M | $31M | $24M | · | $11M | $5M | |
| Interest Income | $142M | $144M | $149M | $145M | $135M | $140M | $146M | $142M | $138M | $136M | $137M | $107M | $100M | $93M | $80M | $67M | |
| Pretax Income | $50M | $47M | $50M | $39M | $37M | $40M | $40M | $40M | $41M | $40M | $38M | $35M | $32M | $29M | $31M | $26M | |
| Income Tax | $12M | $12M | $13M | $9M | $9M | $10M | $10M | $10M | $10M | $10M | $10M | $9M | $8M | $7M | $8M | $6M | |
| Net Income | $38M | $35M | $37M | $30M | $28M | $30M | $30M | $30M | $30M | $30M | $28M | $26M | $24M | $23M | $23M | $20M | |
| EPS (Basic) | $0.84 | $0.77 | $0.82 | $0.66 | $0.65 | $0.70 | $0.70 | $0.68 | $0.70 | $0.68 | $0.66 | $0.70 | $0.65 | $0.61 | $0.61 | $0.55 | |
| EPS (Diluted) | $0.83 | $0.77 | $0.82 | $0.66 | $0.64 | $0.68 | $0.69 | $0.68 | $0.70 | $0.68 | $0.65 | $0.70 | $0.64 | $0.61 | $0.61 | $0.54 | |
| Shares (Basic) | 44,739,433 | -89,398,770 | 45,102,828 | 45,306,240 | 43,788,353 | -86,686,753 | 43,516,006 | 43,361,516 | 43,258,087 | -76,970,430 | 43,025,927 | 37,034,626 | 36,955,085 | -74,066,957 | 36,851,973 | 37,064,795 | |
| Shares (Diluted) | 45,045,804 | -90,083,640 | 45,372,602 | 45,484,392 | 44,290,257 | -87,581,434 | 43,966,189 | 43,741,840 | 43,727,344 | -77,890,375 | 43,458,110 | 37,337,906 | 37,539,912 | -75,550,129 | 37,371,159 | 37,612,268 | |
| EBITDA | $1M | · | · | · | $1M | · | · | · | $1M | · | · | · | $981.0K | · | · | · |
대차대조표 17
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $198M | $149M | $259M | $218M | $421M | $563M | $453M | $730M | $637M | · | $429M | $320M | $284M | · | $216M | $142M | |
| PP&E (Net) | $57M | $58M | $59M | $60M | $60M | $61M | $63M | $64M | $64M | · | $67M | $56M | $56M | · | $59M | $61M | |
| Accum. Depreciation | · | $31M | · | · | · | $34M | · | · | · | · | · | · | · | · | · | · | |
| Goodwill | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $182M | $148M | $148M | $148M | $148M | $148M | |
| Intangibles | $17M | $19M | $20M | $22M | $15M | $16M | $18M | $19M | $20M | · | $23M | $8M | $9M | · | $12M | $14M | |
| Total Assets | $9.91B | $9.65B | $9.81B | $9.72B | $9.58B | $9.50B | $9.42B | $9.63B | $9.41B | · | $8.94B | $7.58B | $7.53B | · | $7.28B | $7.13B | |
| Short-term Debt | · | $0 | $0 | $0 | $0 | $12M | $13M | $15M | $17M | · | $20M | · | · | · | · | · | |
| Total Liabilities | $8.63B | $8.38B | $8.57B | $8.53B | $8.45B | $8.41B | $8.33B | $8.60B | $8.40B | · | $8.02B | $6.76B | $6.73B | · | $6.53B | $6.37B | |
| Total Debt | · | · | $0 | $0 | $0 | · | $13M | $15M | $17M | · | $20M | · | · | · | · | · | |
| Common Stock | $471.0K | $471.0K | $471.0K | $471.0K | $455.0K | $455.0K | $454.0K | $452.0K | $452.0K | · | $450.0K | $391.0K | $390.0K | · | $389.0K | $388.0K | |
| Paid-in Capital | $755M | $761M | $758M | $756M | $713M | $718M | $715M | $711M | $709M | · | $709M | $600M | $598M | · | $597M | $596M | |
| Retained Earnings | $678M | $646M | $616M | $583M | $558M | $534M | $508M | $481M | $456M | · | $403M | $379M | $356M | · | $327M | $307M | |
| Treasury Stock | $71M | $66M | $57M | $57M | $44M | $47M | $48M | $48M | $49M | · | $50M | $50M | $51M | · | $52M | $47M | |
| AOCI | $-82M | $-73M | $-80M | $-90M | $-96M | $-114M | $-79M | $-111M | $-107M | · | $-142M | $-115M | $-108M | · | $-125M | $-91M | |
| Stockholders' Equity | $1.28B | $1.27B | $1.24B | $1.19B | $1.13B | $1.09B | $1.10B | $1.03B | $1.01B | $990M | $920M | $814M | $796M | $766M | $748M | $765M | |
| Liabilities + Equity | $9.91B | $9.65B | $9.81B | $9.72B | $9.58B | $9.50B | $9.42B | $9.63B | $9.41B | · | $8.94B | $7.58B | $7.53B | · | $7.28B | $7.13B | |
| Shares Outstanding | 45,442,851 | 45,545,928 | 45,859,977 | 45,866,649 | 44,675,553 | 44,459,584 | 44,384,706 | 44,180,829 | 44,108,387 | · | 43,719,203 | 37,752,002 | 37,713,427 | · | 37,465,902 | 37,669,102 |
현금 흐름 19
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $951.0K | $981.0K | $1M | $1M | $1M | |
| Stock-based Comp | $2M | $3M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $2M | |
| Deferred Tax | $-740.0K | $6M | $3M | $-1M | $-369.0K | $-7M | $-775.0K | $6M | $-501.0K | $27M | $-56.0K | $-6.0K | $-134.0K | $23M | $-58.0K | $1M | |
| Amort. of Intangibles | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $2M | $2M | $1M | $1M | $2M | $2M | $2M | |
| Other Non-cash | $14M | · | · | · | $-4M | · | · | · | $29M | · | · | · | $23M | · | · | · | |
| Operating Cash Flow | $55M | $59M | $38M | $16M | $28M | $53M | $20M | $40M | $62M | $-5M | $79M | $43M | $49M | $35M | $33M | $60M | |
| CapEx | $458.0K | $516.0K | $381.0K | $1M | $2M | $2M | $649.0K | $731.0K | $512.0K | $1M | $1M | $1M | $281.0K | $304.0K | $656.0K | $2M | |
| Investing Cash Flow | $-230M | $42M | $-32M | $-16M | $-218M | $-188.0K | $-47M | $-138M | $-147M | $-99M | $-135M | $-21M | $-81M | $-138M | $-81M | $-358M | |
| Debt Issued | $13M | · | · | · | $0 | · | · | · | · | · | · | · | · | · | · | · | |
| Net Debt Issued | $13M | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Stock Issued | $120.0K | $723.0K | $137.0K | $1M | $13.0K | $1M | $2M | $878.0K | $0 | $842.0K | $347.0K | $602.0K | $0 | $579.0K | $0 | $457.0K | |
| Stock Repurchased | $10M | $10M | $193.0K | $13M | $687.0K | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $4M | $6M | |
| Net Stock Activity | $-10M | · | · | · | $-674.0K | · | · | · | · | · | · | · | $0 | · | · | · | |
| Dividends Paid | $5M | $5M | $5M | $5M | $4M | $4M | $4M | $4M | $4M | $4M | $4M | $3M | $3M | $3M | $3M | $3M | |
| Financing Cash Flow | $224M | $-211M | $34M | $-203M | $49M | $58M | $-251M | $191M | $495M | $-99M | $165M | $14M | $137M | $66M | $122M | $286M | |
| Net Change in Cash | $49M | $-110M | $41M | $-203M | $-141M | $111M | $-278M | $94M | $411M | $-203M | $109M | $36M | $105M | $-37M | $74M | $-12M | |
| Taxes Paid | $332.0K | · | · | · | $325.0K | · | $2M | $568.0K | $406.0K | · | $3M | $3M | $309.0K | $604.0K | $13M | $15M | |
| Free Cash Flow | $54M | · | · | · | $25M | · | · | · | $62M | · | · | · | $49M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | $22M | · | · | · | $31M | · | · | · |
수익성 5
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 33.4% | · | 32.1% | 27.2% | 27.4% | · | 29.8% | 29.9% | 30.1% | · | 26.9% | 28.9% | 26.4% | · | 28.0% | 26.8% | |
| Pretax Margin | 44.2% | · | 43.1% | 35.2% | 36.4% | · | 39.3% | 40.4% | 40.2% | · | 36.4% | 39.1% | 35.5% | · | 37.7% | 34.4% | |
| EBITDA Margin | 1.0% | · | · | · | 1.1% | · | · | · | 1.3% | · | · | · | 1.1% | · | · | · | |
| ROA | 0.39% | · | 0.39% | 0.31% | 0.30% | · | 0.33% | 0.34% | 0.36% | · | 0.35% | 0.36% | 0.33% | · | 0.32% | 0.30% | |
| ROE | 3.1% | · | 3.2% | 2.7% | 2.6% | · | 3.0% | 3.2% | 3.4% | · | 3.4% | 3.3% | 3.0% | · | 2.9% | 2.6% |
유동성 및 지급능력 1
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | · | · | · | · | · |
효율성 1
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 |
가치 평가 (TTM) 15
| 지표 | 추세 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $442M | · | $431M | $415M | $405M | · | $407M | $396M | $387M | · | $367M | $338M | $326M | · | $313M | $311M | |
| Net Income TTM | $133M | · | $126M | $118M | $119M | · | $119M | $114M | $109M | · | $101M | $95M | $90M | · | $82M | $85M | |
| Market Cap | $1.43B | · | $1.27B | $1.23B | $1.17B | · | $1.19B | $1.05B | $958M | · | $862M | $683M | $815M | · | $759M | $897M | |
| Enterprise Value | · | · | $1.01B | $1.01B | $747M | · | $749M | $333M | $338M | · | $453M | · | · | · | · | · | |
| P/E | 10.7 | · | 9.9 | 10.0 | 9.7 | · | 9.8 | 8.7 | 8.1 | · | 7.6 | 7.3 | 9.1 | · | 8.5 | 9.5 | |
| P/S | 3.2 | · | 2.9 | 3.0 | 2.9 | · | 2.9 | 2.7 | 2.5 | · | 2.3 | 2.0 | 2.5 | · | 2.4 | 2.9 | |
| P/B | 1.1 | · | 1.0 | 1.0 | 1.0 | · | 1.1 | 1.0 | 0.9 | · | 0.9 | 0.8 | 1.0 | · | 1.0 | 1.2 | |
| P / Tangible Book | 1.3 | · | 1.2 | 1.2 | 1.3 | · | 1.3 | 1.3 | 1.2 | · | 1.2 | 1.0 | 1.3 | · | 1.3 | 1.5 | |
| P / Cash Flow | 26.3 | · | · | · | 43.2 | · | · | · | 15.4 | · | · | · | 16.6 | · | · | · | |
| P / FCF | 26.5 | · | · | · | 46.7 | · | · | · | 15.5 | · | · | · | 16.7 | · | · | · | |
| EV / EBITDA | · | · | · | · | 645.4 | · | · | · | 258.5 | · | · | · | · | · | · | · | |
| EV / FCF | · | · | · | · | 29.8 | · | · | · | 5.5 | · | · | · | · | · | · | · | |
| EV / Revenue | · | · | 2.3 | 2.4 | 1.8 | · | 1.8 | 0.8 | 0.9 | · | 1.2 | · | · | · | · | · | |
| Earnings Yield | 9.3% | · | 10.1% | 10.0% | 10.4% | · | 10.2% | 11.5% | 12.4% | · | 13.2% | 13.8% | 11.0% | · | 11.8% | 10.5% | |
| Payout Ratio | 14.3% | · | · | · | 15.5% | · | · | · | 12.8% | · | · | · | 13.9% | · | · | · |
재무제표 손익계산서, 대차대조표, 현금흐름 — 연간, 지난 5년
손익계산서
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| 순이익 | $130M | $121M | $108M | $88M | $93M |
| 희석 EPS | $2.89 | $2.75 | $2.67 | $2.34 | $2.40 |
대차대조표
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| 부채 / 자기자본 비율 | 0.0 | 0.0 | 0.0 | — | — |
현금 흐름
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| 잉여현금흐름 | $136M | $171M | $162M | $217M | $72M |
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