BY Stock Analysis: Byline Bancorp | NYSE
Banks - Regional | NYSE, USA | Market Cap: 1.680m USD | 12M Return: 35.7% | US1244111092 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.35M
EPS Trend: 67.0%
Qual. Beats: 13
Rev. Trend: 82.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 9.2 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. (NYSE: BY) is the holding company for Byline Bank, a Chicago-headquartered community bank founded in 1914 (originally as Metropolitan Bank Group, Inc., adopting its current name in 2015). The company provides a full suite of commercial and consumer banking products, with a focus on serving small and medium-sized businesses, commercial real estate clients, financial sponsors, and consumers across the United States.
Its deposit offerings span retail accounts (non-interest-bearing, money market, interest-bearing checking, savings, and time deposits), along with ATM/debit cards and digital banking channels, plus commercial deposits. On the lending side, Byline provides term loans, revolving lines of credit, construction financing, senior secured financing to private equity-backed lower middle market companies, SBA and USDA loans, equipment financing, and syndication services. Complementary fee-based services include treasury management (fraud management, cash collection, interest rate derivatives), as well as investment, trust, and wealth management for high-net-worth individuals, foundations, and institutions.
As a small-cap regional bank in the GICS Financials sector, Byline follows a business model typical of U.S. community banks-earning revenue primarily through net interest income (loan and investment yields minus deposit costs) supplemented by fee income from treasury management, syndication, and wealth management services. Its emphasis on SBA lending and private equity-sponsored middle-market financing differentiates it from peers that focus more heavily on traditional consumer or large corporate banking, and it went public on the NYSE in June 2017.
- Net interest margin pressure as Fed rate cuts compress loan yields
- Commercial real estate loan portfolio faces office sector headwinds
- SMB and middle market loan growth drives core earnings expansion
| Net Income: 149.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.51 > 1.0 |
| NWC/Revenue: -1.04k% < 20% (prev -1.11k%; Δ 61.55% < -1%) |
| CFO/TA 0.02 > 3% & CFO 165.7m > Net Income 149.5m |
| Net Debt (-1.08b) to EBITDA (214.8m): -5.02 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (45.4m) vs 12m ago 2.56% < -2% |
| Gross Margin: 69.35% > 18% (prev 61.27%; Δ 8.08% > 0.5%) |
| Asset Turnover: 6.47% > 50% (prev 6.39%; Δ 0.08% > 0%) |
| Interest Coverage Ratio: 1.19 > 6 (EBIT TTM 210.3m / Interest Expense TTM 176.9m) |
| A: -0.67 (Total Current Assets 1.69b - Total Current Liabilities 8.33b) / Total Assets 9.93b |
| B: 0.07 (Retained Earnings 712.6m / Total Assets 9.93b) |
| C: 0.02 (EBIT TTM 210.3m / Avg Total Assets 9.83b) |
| D: 0.15 (Book Value of Equity 1.30b / Total Liabilities 8.63b) |
| Altman-Z'' = -3.85 = D |
| DSRI: 0.10 (Receivables 38.6m/723.4m, Revenue 636.0m/621.4m) |
| GMI: 0.88 (GM 61.27% / 69.35%) |
| AQI: 0.92 (AQ_t 0.82 / AQ_t-1 0.89) |
| SGI: 1.02 (Revenue 636.0m / 621.4m) |
| TATA: -0.00 (NI 149.5m - CFO 165.7m) / TA 9.93b) |
| Beneish M = -3.90 (Cap -4..+1) = AAA |
As of October 06, 2026, the stock is trading at USD 37.63 with a total of 183,150 shares traded. Over the past week, the price has changed by +1.21%, over one month by -1.67%, over three months by +1.02% and over the past year by +35.70%.
Current recommended Stop Loss: 36.80 (which is 2.2% 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 | 43.2 | 14.8% |
P/E Trailing = 11.1988
P/E Forward = 9.5877
P/S = 3.8669
P/B = 1.2778
Revenue TTM = 636.0m USD
EBIT TTM = 210.3m USD
EBITDA TTM = 214.8m USD
Long Term Debt = 530.5m USD (from longTermDebt, last quarter)
Short Term Debt = 460.4m USD (from shortTermDebt, last quarter)
Debt = 615.7m USD (from shortLongTermDebtTotal, last quarter) + Leases 9.51m
Net Debt = -1.08b USD (calculated: Debt 615.7m - CCE 1.69b)
Enterprise Value = 601.9m USD (1.68b + Debt 615.7m - CCE 1.69b)
Interest Coverage Ratio = 1.19 (Ebit TTM 210.3m / Interest Expense TTM 176.9m)
EV/FCF = 3.68x (Enterprise Value 601.9m / FCF TTM 163.3m)
FCF Yield = 27.14% (FCF TTM 163.3m / Enterprise Value 601.9m)
FCF Margin = 25.69% (FCF TTM 163.3m / Revenue TTM 636.0m)
Net Margin = 23.50% (Net Income TTM 149.5m / Revenue TTM 636.0m)
Gross Margin = 69.35% ((Revenue TTM 636.0m - Cost of Revenue TTM 194.9m) / Revenue TTM)
Gross Margin QoQ = 68.37% (prev 69.14%)
Tobins Q-Ratio = 0.06 (Enterprise Value 601.9m / Total Assets 9.93b)
Interest Expense / Debt = 28.74% (Interest Expense 176.9m / Debt 615.7m)
Taxrate = 25.48% (51.1m / 200.6m)
NOPAT = 156.7m (EBIT 210.3m * (1 - 25.48%))
Current Ratio = 0.20 (Total Current Assets 1.69b / Total Current Liabilities 8.33b)
Debt / Equity = 0.47 (Debt 615.7m / totalStockholderEquity, last quarter 1.30b)
Debt / EBITDA = -5.02 (Net Debt -1.08b / EBITDA 214.8m)
Debt / FCF = -6.60 (Net Debt -1.08b / FCF TTM 163.3m)
Total Stockholder Equity = 1.27b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.52% (Net Income 149.5m / Total Assets 9.93b)
RoE = 11.75% (Net Income TTM 149.5m / Total Stockholder Equity 1.27b)
RoCE = 11.66% (EBIT 210.3m / Capital Employed (Equity 1.27b + L.T.Debt 530.5m))
RoIC = 7.72% (NOPAT 156.7m / Invested Capital 2.03b)
WACC = 11.82% (E(1.68b)/V(2.30b) * Re(8.31%) + D(615.7m)/V(2.30b) * Rd(28.74%) * (1-Tc(0.25)))
Discount Rate = 8.31% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 94.33 | Cagr: 1.71%
[DCF] Terminal Value 67.58% ; FCFF base≈142.1m ; Y1≈162.9m ; Y5≈239.7m
[DCF] Fair Price = 73.20 (EV 2.23b - Net Debt -1.08b = Equity 3.31b / Shares 45.2m; r=11.82% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 67.04 | EPS CAGR: 4.50% | SUE: 4.0 | # QB: 13
Revenue Correlation: 82.21 | Revenue CAGR: 7.80% | SUE: 0.62 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.82 | Chg30d=+0.40% | Revisions=+12% | Analysts=6
EPS current Year (2026-12-31): EPS=3.39 | Chg30d=+0.24% | Revisions=+57% | GrowthEPS=+13.1% | GrowthRev=+4.3%
EPS next Year (2027-12-31): EPS=3.43 | Chg30d=+0.49% | Revisions=+50% | GrowthEPS=+1.1% | GrowthRev=+3.3%
[Analyst] Revisions Ratio: +53% (up=10, down=2)