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Byline Bancorp Inc (BY)
NYSE:BY
BY Stock Chart & Stats
$31.72
>-$0.01(-0.04%)
At close: 4:00 PM EST
$31.72
>-$0.01(-0.04%)
Day’s Range― - ―
52-Week Range$22.63 - $33.89
Previous CloseN/A
Volume23.22K
Average Volume (3M)203.18K
Market Cap
$1.45B
Enterprise Value$1.96B
Total Cash (Recent Filing)$1.47B
Total Debt (Recent Filing)$564.95M
Price to Earnings (P/E)10.8
Beta0.90
Next Earnings
Apr 23, 2026EPS Estimate
0.75Next Dividend Ex-DateN/A
Dividend Yield1.34%
Share Statistics
EPS (TTM)0.76
Shares Outstanding45,590,690
10 Day Avg. Volume223,252
30 Day Avg. Volume203,180
Financial Highlights & Ratios
PEG Ratio2.33
Price to Book (P/B)1.03
Price to Sales (P/S)2.08
P/FCF Ratio9.59
Enterprise Value/Market Cap1.36
Enterprise Value/Revenue3.12
Enterprise Value/Gross Profit4.71
Enterprise Value/Ebitda10.44
Forecast
1Y Price Target
$35.00Price Target Upside10.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.09
Revenue Forecast (FY)$453.47M
Bulls Say, Bears Say
Bulls Say
Revenue & ProfitabilityByline has delivered multi-year top-line expansion and steady profitability, with revenue roughly doubling to $629M and sustained net margins near 20%. That durable revenue and margin base supports recurring earnings, capacity to fund loan growth and shareholder returns over coming quarters.
Improved Capital & LeverageMaterial deleveraging and equity growth have strengthened capital ratios and balance-sheet flexibility. Lower debt-to-equity plus CET1/TCE buffers increase capacity for organic lending, M&A, buybacks and dividend increases without immediate funding strain over the medium term.
Operational Execution & Strategic InitiativesManagement produced record net interest income, NIM expansion and tight expense discipline while integrating an acquisition quickly and launching a commercial payments business. These execution capabilities improve competitive positioning and diversify fee streams sustainably.
Bears Say
Cash Flow VolatilityA steep drop in operating cash flow and a ~57% fall in free cash flow create near-term cash conversion volatility. Persistent weakness would constrain organic reinvestment, limit optionality for buybacks/dividends and increase reliance on balance-sheet actions to fund lending growth.
Asset Sensitivity / Rate RiskByline's asset-sensitive profile exposes NII and NIM to interest-rate declines. Structural margin compression from Fed cuts would reduce core earnings from the loan book over several quarters unless offset by re-pricing, hedging or lower funding costs, pressuring profitability durability.
Rising Credit StressIncreasing nonperforming loans and NPAs with higher provisions indicate asset-quality deterioration. If trends persist, elevated credit costs will erode net income, draw on capital cushions and constrain growth or capital returns during an economic slowdown.
Byline Bancorp News
BY FAQ
What was Byline Bancorp Inc’s price range in the past 12 months?
Byline Bancorp Inc lowest stock price was $22.63 and its highest was $33.89 in the past 12 months.
What is Byline Bancorp Inc’s market cap?
Byline Bancorp Inc’s market cap is $1.45B.
When is Byline Bancorp Inc’s upcoming earnings report date?
Byline Bancorp Inc’s upcoming earnings report date is Apr 23, 2026 which is in 50 days.
How were Byline Bancorp Inc’s earnings last quarter?
Byline Bancorp Inc released its earnings results on Jan 22, 2026. The company reported $0.76 earnings per share for the quarter, beating the consensus estimate of $0.717 by $0.043.
Is Byline Bancorp Inc overvalued?
According to Wall Street analysts Byline Bancorp Inc’s price is currently Undervalued.
Does Byline Bancorp Inc pay dividends?
Byline Bancorp Inc pays a Quarterly dividend of $0.1 which represents an annual dividend yield of 1.34%. See more information on Byline Bancorp Inc dividends here
What is Byline Bancorp Inc’s EPS estimate?
Byline Bancorp Inc’s EPS estimate is 0.75.
How many shares outstanding does Byline Bancorp Inc have?
Byline Bancorp Inc has 45,590,690 shares outstanding.
What happened to Byline Bancorp Inc’s price movement after its last earnings report?
Byline Bancorp Inc reported an EPS of $0.76 in its last earnings report, beating expectations of $0.717. Following the earnings report the stock price went down -2.396%.
Which hedge fund is a major shareholder of Byline Bancorp Inc?
Currently, no hedge funds are holding shares in BY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Byline Bancorp Stock Smart Score
Neutral
1
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$35.00 (10.34% Upside)
$35.00 (10.34% Upside)
Blogger Sentiment
Bullish
BY Sentiment 100%
Sector Average 70%
Sector Average 70%
Insider Transactions
Sold Shares
Worth $115.7K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.63%
12-Months-Change
Fundamentals
Return on Equity
10.78%
Trailing 12-Months
Asset Growth
4.12%
Trailing 12-Months
Company Description
Byline Bancorp Inc
Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. It operates through 43 branch locations in the Chicago metropolitan area and one branch in Brookfield, Wisconsin. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.
BY Company Deck
BY Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call communicates a strongly positive operational and financial performance: robust profitability, record net interest income, expanding margin, meaningful capital build and active capital returns (dividend increase and buybacks), successful integration of an acquisition, and progress on a new commercial payments initiative. Headwinds are present but largely manageable — notable deposit seasonality and end-of-year balance sheet management, modest upticks in NPLs/NPAs and provisions, some compression and seasonality in noninterest income (SBA gains), and asset-sensitivity risk if rates decline. Overall, management portrays these as controllable or temporary while emphasizing flexibility and continued focus on organic growth and capital deployment.View all BY earnings summariesBY Stock 12 Month Forecast
Average Price Target
$35.00
▲(10.34% Upside)
Technical Analysis
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Ownership Overview
28.11% Insiders
13.87% Mutual Funds
7.95% Other Institutional Investors
38.15% Public Companies and
Individual Investors