BY Stock Analysis: Byline Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.700m USD | 12M Return: 33.7% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 13.7M
EPS Trend: 65.0%
Qual. Beats: 11
Rev. Trend: 83.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 9 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Byline Bancorp, Inc. is a Chicago-based bank holding company that operates Byline Bank, a regional lender founded in 1914 and reorganized under its current name in 2015. The bank provides deposit products, lending services, treasury management, and wealth management offerings primarily targeting small and medium-sized businesses, commercial real estate clients, financial sponsors, and consumers across the United States.
As a community-oriented regional bank, Byline differentiates itself through SBA and USDA lending programs, specialized financing for private equity-backed middle market companies, and equipment financing solutions. The regional banking sector typically focuses on relationship-driven lending and deposit gathering within defined geographic markets, with revenue driven largely by net interest margin.
- Net interest margin expands on stable deposit costs and loan repricing
- Commercial real estate loan portfolio faces repricing and refinancing risk
- Sponsor backed middle market lending outgrows legacy small business book
| Net Income: 139.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.27 > 1.0 |
| NWC/Revenue: -480.0% < 20% (prev -839.8%; Δ 359.8% < -1%) |
| CFO/TA 0.02 > 3% & CFO 167.8m > Net Income 139.4m |
| Net Debt (-1.05b) to EBITDA (200.0m): -5.25 < 3 |
| Current Ratio: 0.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (45.4m) vs 12m ago 2.56% < -2% |
| Gross Margin: 67.70% > 18% (prev 60.89%; Δ 6.81% > 0.5%) |
| Asset Turnover: 6.50% > 50% (prev 6.44%; Δ 0.07% > 0%) |
| Interest Coverage Ratio: 1.07 > 6 (EBIT TTM 195.2m / Interest Expense TTM 182.0m) |
| A: -0.31 (Total Current Assets 1.72b - Total Current Liabilities 4.76b) / Total Assets 9.91b |
| B: 0.07 (Retained Earnings 677.9m / Total Assets 9.91b) |
| C: 0.02 (EBIT TTM 195.2m / Avg Total Assets 9.75b) |
| D: 0.15 (Book Value of Equity 1.28b / Total Liabilities 8.63b) |
| Altman-Z'' = -1.50 = D |
| DSRI: 0.10 (Receivables 40.1m/710.5m, Revenue 634.0m/617.1m) |
| GMI: 0.90 (GM 60.89% / 67.70%) |
| AQI: 1.10 (AQ_t 0.82 / AQ_t-1 0.74) |
| SGI: 1.03 (Revenue 634.0m / 617.1m) |
| TATA: -0.00 (NI 139.4m - CFO 167.8m) / TA 9.91b) |
| Beneish M = -3.78 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 37.01 with a total of 268,638 shares traded. Over the past week, the price has changed by -1.60%, over one month by +9.14%, over three months by +14.94% and over the past year by +33.65%.
Current recommended Stop Loss: 36.00 (which is 2.7% or 1.3 ATR below the current price).
Byline Bancorp has received a consensus analysts rating of 3.83. Therefore, it is recommended to buy BY.
- StrongBuy: 2
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 37.4 | 1.1% |
P/E Trailing = 12.1558
P/E Forward = 11.0865
P/S = 4.0198
P/B = 1.3279
Revenue TTM = 634.0m USD
EBIT TTM = 195.2m USD
EBITDA TTM = 200.0m USD
Long Term Debt = 570.3m USD (from longTermDebt, last quarter)
Short Term Debt = 507.0m USD (from shortTermDebt, last quarter)
Debt = 668.5m USD (from shortLongTermDebtTotal, last quarter) + Leases 9.22m
Net Debt = -1.05b USD (calculated: Debt 668.5m - CCE 1.72b)
Enterprise Value = 650.1m USD (1.70b + Debt 668.5m - CCE 1.72b)
Interest Coverage Ratio = 1.07 (Ebit TTM 195.2m / Interest Expense TTM 182.0m)
EV/FCF = 3.93x (Enterprise Value 650.1m / FCF TTM 165.4m)
FCF Yield = 25.44% (FCF TTM 165.4m / Enterprise Value 650.1m)
FCF Margin = 26.08% (FCF TTM 165.4m / Revenue TTM 634.0m)
Net Margin = 21.98% (Net Income TTM 139.4m / Revenue TTM 634.0m)
Gross Margin = 67.70% ((Revenue TTM 634.0m - Cost of Revenue TTM 204.8m) / Revenue TTM)
Gross Margin QoQ = 69.14% (prev 73.15%)
Tobins Q-Ratio = 0.07 (Enterprise Value 650.1m / Total Assets 9.91b)
Interest Expense / Debt = 27.23% (Interest Expense 182.0m / Debt 668.5m)
Taxrate = 24.84% (46.1m / 185.5m)
NOPAT = 146.7m (EBIT 195.2m * (1 - 24.84%))
Current Ratio = 0.36 (Total Current Assets 1.72b / Total Current Liabilities 4.76b)
Debt / Equity = 0.52 (Debt 668.5m / totalStockholderEquity, last quarter 1.28b)
Debt / EBITDA = -5.25 (Net Debt -1.05b / EBITDA 200.0m)
Debt / FCF = -6.35 (Net Debt -1.05b / FCF TTM 165.4m)
Total Stockholder Equity = 1.24b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.43% (Net Income 139.4m / Total Assets 9.91b)
RoE = 11.20% (Net Income TTM 139.4m / Total Stockholder Equity 1.24b)
RoCE = 10.75% (EBIT 195.2m / Capital Employed (Equity 1.24b + L.T.Debt 570.3m))
RoIC = 1.48% (NOPAT 146.7m / Invested Capital 9.88b)
WACC = 11.83% (E(1.70b)/V(2.37b) * Re(8.44%) + D(668.5m)/V(2.37b) * Rd(27.23%) * (1-Tc(0.25)))
Discount Rate = 8.44% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 97.75 | Cagr: 1.90%
[DCF] Terminal Value 67.56% ; FCFF base≈153.0m ; Y1≈175.4m ; Y5≈258.1m
[DCF] Fair Price = 75.94 (EV 2.40b - Net Debt -1.05b = Equity 3.45b / Shares 45.4m; r=11.83% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 65.04 | EPS CAGR: 3.51% | SUE: 3.07 | # QB: 11
Revenue Correlation: 83.88 | Revenue CAGR: 12.14% | SUE: 0.56 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.78 | Chg30d=+1.30% | Revisions=+29% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.81 | Chg30d=+3.22% | Revisions=+38% | Analysts=5
EPS current Year (2026-12-31): EPS=3.26 | Chg30d=+5.40% | Revisions=+62% | GrowthEPS=+8.8% | GrowthRev=+4.4%
EPS next Year (2027-12-31): EPS=3.37 | Chg30d=+5.77% | Revisions=+62% | GrowthEPS=+3.4% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +68% (up=17, down=2)