Byline Bancorp (FRA:44F) LT-Debt-to-Total-Asset: 0.06 (As of Mar. 2026)

What is Byline Bancorp LT-Debt-to-Total-Asset?

Byline Bancorp FRA:44F -3.68% 66 LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus rates FRA:44F with a GF Score™ of 66/100 and a GF Value™ of €23.33. The stock has 7 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Byline Bancorp's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.06.

Byline Bancorp's long-term debt to total assets ratio declined from Mar. 2025 (0.07) to Mar. 2026 (0.06). It may suggest that Byline Bancorp is progressively becoming less dependent on debt to grow their business.

Byline Bancorp (FRA:44F) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Byline Bancorp LT-Debt-to-Total-Asset Related Terms

Byline Bancorp LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Byline Bancorp's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Byline Bancorp LT-Debt-to-Total-Asset Chart

Byline Bancorp Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.09

0.10

0.06

0.08

0.05

Byline Bancorp Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.07	0.05	0.06	0.05	0.06

66GF Score

Byline Bancorp Inc FRA:44F

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Byline Bancorp LT-Debt-to-Total-Asset Calculation

Byline Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	422.901	/	8243.385
	=	0.05

Byline Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	501.281	/	8571.873
	=	0.06

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.06 mean?

Byline Bancorp (FRA:44F) has a LT-Debt-to-Total-Asset of 0.06 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Byline Bancorp and its competitors.

Is Byline Bancorp's LT-Debt-to-Total-Asset too high?

Byline Bancorp's current LT-Debt-to-Total-Asset is 0.06. Overall, Byline Bancorp has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.

How does Byline Bancorp's LT-Debt-to-Total-Asset compare to TCBK and HOPE?

Byline Bancorp's LT-Debt-to-Total-Asset of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Byline Bancorp and its competitors. Byline Bancorp's current LT-Debt-to-Total-Asset is 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Byline Bancorp stock overvalued right now?

Byline Bancorp (FRA:44F) has a current LT-Debt-to-Total-Asset of 0.06. The stock's GF Value™ is €23.33, compared to a current price of €31.40 — trading 34.6% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.06. Byline Bancorp's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Byline Bancorp (FRA:44F), the current LT-Debt-to-Total-Asset is 0.06 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Byline Bancorp (FRA:44F) Overvalued in 2026?

Based on GuruFocus' analysis, Byline Bancorp stock appears to be overvalued. The current stock price of €31.40 is trading 34.6% above its estimated GF Value™ of €23.33.

Key valuation signals for FRA:44F:

LT-Debt-to-Total-Asset: 0.06
GF Value™: €23.33 vs. price of €31.40 (34.6% above fair value)
GF Score™: 66/100 with 7 warning signs

No single metric tells the full story. See the FRA:44F stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Byline Bancorp Business Description

Industry Financial Services Banks

Comparable Companies TCBK HOPE CNOB BFC RBCAA STBA GABC FSUN QCRH DCOM SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges BY:USA

Address 180 North LaSalle Street, Suite 300, Chicago, IL, USA, 60601

Website https://www.bylinebancorp.com

Byline Bancorp Inc is the holding company for Byline Bank, a full-service commercial bank serving small-and-medium sized businesses, financial sponsors, and consumers. The company offers a broad range of banking products and services to small and medium sized businesses, commercial real estate and online account opening to consumer and business. Also provide trust and wealth management services to its customers. In addition to traditional commercial banking business, company provide small ticket equipment leasing solutions through a wholly-owned subsidiary of Byline Bank.

66GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€31.40

Price

€23.33

GF Value

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