Byline Bancorp (BY) AI Stock Analysis

• Market Cap: $1.39B
• Dividend Yield: 1.34%
• Average Volume (3M): 203.18K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.85
• Revenue Growth: 1.31%
• EPS Growth: 2.02%
• Country: US
• Employees: 1,032
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.83
• Shares Outstanding: 45,819,225
• 10 Day Avg. Volume: 223,252
• 30 Day Avg. Volume: 203,180
• PEG Ratio: 3.12
• Price to Book (P/B): 1.15
• Price to Sales (P/S): 2.03
• P/FCF Ratio: 7.36
• Enterprise Value/Market Cap: 1.28
• Enterprise Value/Revenue: 2.85
• Enterprise Value/Gross Profit: 4.50
• Enterprise Value/Ebitda: 10.39
• 1Y Price Target: $33.50
• Price Target Upside: 12.83% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 78 Outperform
• Price Target: $34.00 ▲(14.52% Upside)

Byline Bancorp's strong financial performance and consistent earnings growth are the most significant factors driving its stock score. The technical indicators suggest a strong upward trend, although caution is warranted due to overbought conditions. The valuation is attractive, and recent corporate actions like the stock repurchase program further bolster investor confidence. However, potential regulatory impacts and operational challenges pose risks that should be monitored.

Positive Factors

Revenue Growth

The robust revenue growth rate indicates strong market demand and effective business strategies, supporting long-term expansion and profitability.

Credit Quality

Improved credit quality reduces risk and enhances financial stability, ensuring the company can maintain healthy lending practices.

Capital Flexibility

Strong capital levels provide financial flexibility to invest in growth opportunities and cushion against economic downturns.

Negative Factors

Regulatory Impact

Crossing regulatory thresholds may increase costs and operational complexity, potentially impacting profitability and strategic flexibility.

Operational Efficiency

Low EBIT margins indicate potential inefficiencies in operations, which could hinder profitability if not addressed.

Government Shutdown Impact

Disruptions from government shutdowns can impact revenue streams, particularly in SBA-related activities, affecting financial performance.

Byline Bancorp Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Byline Bancorp generates revenue through several key streams, primarily from interest income on loans and leases, which constitute a significant portion of its earnings. The company provides various types of loans, including commercial real estate loans, small business loans, and consumer loans, allowing it to earn interest over time. Additionally, Byline Bank earns non-interest income through service fees associated with deposit accounts, treasury management services, and other financial products. The bank's emphasis on building relationships with local businesses enables it to cultivate a loyal customer base, enhancing its loan portfolio and fee-based services. Furthermore, Byline Bancorp benefits from partnerships with local organizations and business associations, which can lead to increased referrals and new client acquisitions, ultimately contributing to its overall profitability.

Byline Bancorp Financial Statement Overview

Summary

Byline Bancorp's financial performance shows challenges with declining revenue and cash flow growth, despite improvements in leverage management. The income statement indicates a significant decline in revenue growth rate and reduced operational efficiency, while the balance sheet shows moderate debt management. Cash flow analysis highlights potential liquidity challenges.

Income Statement

The income statement shows a significant decline in revenue growth rate at -42.77% TTM, indicating potential challenges in maintaining revenue streams. Gross profit margin has decreased over time, and net profit margin remains relatively stable but low. The EBIT and EBITDA margins have also shown a downward trend, reflecting reduced operational efficiency.

Balance Sheet

The balance sheet reveals a moderate debt-to-equity ratio of 0.47 TTM, which is an improvement from previous years, indicating better leverage management. However, the return on equity has slightly decreased, suggesting reduced profitability from shareholders' investments. The equity ratio is stable, reflecting a balanced asset structure.

Cash Flow

Cash flow analysis shows a decline in free cash flow growth at -18.03% TTM, indicating potential liquidity challenges. The operating cash flow to net income ratio is low, suggesting inefficiencies in converting income into cash. However, the free cash flow to net income ratio remains strong, indicating good cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	623.98M	621.42M	532.47M	356.46M	316.14M	293.52M
Gross Profit	395.69M	376.50M	351.96M	296.35M	302.63M	212.59M
EBITDA	171.29M	166.11M	150.21M	118.97M	130.20M	58.15M
Net Income	125.85M	120.76M	107.88M	87.95M	92.78M	37.47M
Balance Sheet
Total Assets	9.81B	9.50B	8.88B	7.36B	6.70B	6.39B
Cash, Cash Equivalents and Short-Term Investments	1.49B	1.73B	1.57B	1.35B	1.61B	1.53B
Total Debt	581.53M	774.65M	553.78M	765.82M	645.77M	385.79M
Total Liabilities	8.57B	8.41B	7.89B	6.60B	5.86B	5.59B
Stockholders Equity	1.24B	1.09B	990.15M	765.82M	836.38M	805.46M
Cash Flow
Free Cash Flow	128.98M	171.17M	162.21M	216.70M	72.19M	105.11M
Operating Cash Flow	134.56M	175.16M	166.07M	220.33M	74.43M	109.02M
Investing Cash Flow	-266.28M	-330.92M	-336.24M	-819.86M	-236.05M	-886.36M
Financing Cash Flow	-61.86M	492.76M	216.96M	620.95M	236.13M	780.01M

Byline Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 29.69
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BY, the sentiment is Positive. The current price of 29.69 is below the 20-day moving average (MA) of 29.89, above the 50-day MA of 28.84, and above the 200-day MA of 27.21, indicating a bullish trend. The MACD of 0.21 indicates Positive momentum. The RSI at 59.46 is Neutral, neither overbought nor oversold. The STOCH value of 59.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BY.

Byline Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BY	78 Outperform	$1.39B	10.81	10.78%	1.34%	1.31%	2.02%
QCRH	75 Outperform	$1.43B	11.91	11.80%	0.28%	-2.42%	3.83%
RBCAA	75 Outperform	$1.23B	10.93	12.35%	2.57%	5.21%	24.51%
CNOB	71 Outperform	$1.32B	21.29	4.40%	2.68%	15.55%	-28.10%
DCOM	70 Neutral	$1.32B	26.43	4.23%	3.14%	-1.79%	-23.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
TFIN	67 Neutral	$1.64B	243.46	1.11%	―	2.04%	-64.17%

Byline Bancorp Corporate Events

Byline Bancorp Announces New Stock Repurchase Program

On December 11, 2025, Byline Bancorp, Inc. announced the approval of a new stock repurchase program, authorizing the buyback of up to 2.25 million shares, representing approximately 4.9% of its outstanding common stock. This program, effective from January 1, 2026, through December 31, 2026, reflects the company’s confidence in its capital position and its commitment to supporting long-term growth. The repurchase plan allows for flexibility in purchasing shares based on market conditions and legal requirements, with repurchased shares available for equity incentive plans and other corporate purposes.

The most recent analyst rating on (BY) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on Byline Bancorp stock, see the BY Stock Forecast page.