Byline Bancorp Inc (BY)
NYSE:BY
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BY Stock Chart & Stats
$33.72
>-$0.01(-0.04%)
At close: 4:00 PM EST
$33.72
>-$0.01(-0.04%)
Day’s Range― - ―
52-Week Range$24.75 - $34.33
Previous CloseN/A
Volume23.22K
Average Volume (3M)203.18K
Market Cap
$1.51B
Enterprise Value$2.10B
Total Cash (Recent Filing)$1.72B
Total Debt (Recent Filing)$650.07M
Price to Earnings (P/E)9.4
Beta0.87
Next Earnings
Jul 23, 2026EPS Estimate
0.78Next Dividend Ex-DateN/A
Dividend Yield1.34%
Share Statistics
EPS (TTM)3.09
Shares Outstanding45,409,260
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 Cap1.39
Enterprise Value/Revenue3.32
Enterprise Value/Gross Profit4.90
Enterprise Value/Ebitda10.57
Forecast
1Y Price Target
$36.00Price Target Upside6.76% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.23
Revenue Forecast (FY)$465.85M
Bulls Say, Bears Say
Bulls Say
ProfitabilitySustained high profitability (ROA ~1.56%, ROTCE ~13.7%) and consistently strong pretax, pre-provision income provide durable internal cash generation and earnings resilience. This supports capital accumulation, dividend/buyback capacity and ability to absorb credit volatility over the next several quarters.
Capital Position & Shareholder ReturnsHealthy regulatory capital (CET1 ~12.5%) and rising tangible book value provide a solid buffer against stress while enabling persistent shareholder returns. Active buybacks and a dividend demonstrate management's capacity and willingness to deploy excess capital without undermining regulatory cushion.
Deposit Franchise & Loan PipelineAn expanding deposit base (8.2% annualized growth) and stable/low deposit costs underpin funding stability and support net interest income expansion. Combined with a described solid loan pipeline and mid-single-digit loan growth guidance, this sustains organic balance-sheet growth and NII over coming quarters.
Bears Say
Weak Near-Term Cash Flow MomentumTTM declines in operating and free cash flow and an extremely low operating cash flow coverage ratio reduce internal liquidity flexibility. If cash generation remains weak, it could constrain discretionary capital returns, investment or reserve rebuilding during a credit or funding stress period.
Noninterest Income VolatilityMaterial quarter-to-quarter swings from fair-value marks, lower swap fee income and one-off items make fee revenue unpredictable. Persistent volatility in noninterest income reduces earnings visibility and raises reliance on NII, which can amplify earnings variability if loan growth or margins soften.
Regulatory Headwind (Durbin)A projected Durbin amendment impact (~$3.5–$4.0M, ~4 bps ROA) is a structural revenue headwind starting 7/1/2027. This will compress net interest margin or require offsetting fee/pricing actions or cost reductions to preserve returns and could pressure long-term ROA if not fully mitigated.
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 $24.75 and its highest was $34.33 in the past 12 months.
What is Byline Bancorp Inc’s market cap?
Byline Bancorp Inc’s market cap is $1.51B.
When is Byline Bancorp Inc’s upcoming earnings report date?
Byline Bancorp Inc’s upcoming earnings report date is Jul 23, 2026 which is in 75 days.
How were Byline Bancorp Inc’s earnings last quarter?
Byline Bancorp Inc released its earnings results on Apr 23, 2026. The company reported $0.83 earnings per share for the quarter, beating the consensus estimate of $0.748 by $0.082.
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 0.78.
How many shares outstanding does Byline Bancorp Inc have?
Byline Bancorp Inc has 45,409,260 shares outstanding.
What happened to Byline Bancorp Inc’s price movement after its last earnings report?
Byline Bancorp Inc reported an EPS of $0.83 in its last earnings report, beating expectations of $0.748. Following the earnings report the stock price went down -0.091%.
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
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Analyst Consensus
Moderate Buy
Average Price Target:
$36.00 (6.76% Upside)
$36.00 (6.76% Upside)
Blogger Sentiment
Bullish
BY Sentiment 67%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $108.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.63%
12-Months-Change
Fundamentals
Return on Equity
11.20%
Trailing 12-Months
Asset Growth
3.39%
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a largely positive operational and financial picture: strong profitability (ROA, ROTCE), robust deposit growth, improving efficiency, solid capital and tangible book value expansion, and constructive guidance for NII and noninterest income. Notable negatives were a quarter of fee volatility from fair value marks and one-offs, modest loan balance decline due to payoffs/runoff, and elevated net charge-offs that slightly exceeded provision. Management framed these negatives as manageable/transitory and emphasized disciplined capital deployment, stable asset quality and solid pipelines. Overall, the highlights materially outweigh the lowlights.View all BY earnings summariesBY Stock 12 Month Forecast
Average Price Target
$36.00
▲(6.76% Upside)
Technical Analysis
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Ownership Overview
28.56% Insiders
14.04% Mutual Funds
1.67% Other Institutional Investors
42.73% Public Companies and
Individual Investors