Byline Bancorp (BY) AI Stock Analysis

• Market Cap: $1.41B
• Dividend Yield: 1.3%
• Average Volume (3M): 195.52K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.88
• Revenue Growth: 1.31%
• EPS Growth: 2.02%
• Country: US
• Employees: 1,032
• Sector: N/A
• Sector Strength: N/A
• Industry: Banks - Regional
• EPS (TTM): 0.83
• Shares Outstanding: 45,819,225
• 10 Day Avg. Volume: 218,076
• 30 Day Avg. Volume: 195,522
• 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: 1.27
• Enterprise Value/Revenue: 2.85
• Enterprise Value/Gross Profit: 4.50
• Enterprise Value/Ebitda: 10.39
• 1Y Price Target: $33.50
• Price Target Upside: 8.91% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 2.93
• Revenue Forecast (FY): $440.77M

• Rating: 78 Outperform
• Price Target: $34.00 ▲(10.53% 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.

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

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Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
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Byline Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.76
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 30.76 is above the 20-day moving average (MA) of 28.79, above the 50-day MA of 27.72, and above the 200-day MA of 26.88, indicating a bullish trend. The MACD of 0.89 indicates Negative momentum. The RSI at 74.81 is Negative, neither overbought nor oversold. The STOCH value of 80.63 is Negative, 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
Sector *	―	―	―	―	―	―	―
RBCAA	79 Outperform	$1.28B	11.37	12.35%	2.37%	5.21%	24.51%
BY	78 Outperform	$1.41B	10.94	10.78%	1.30%	1.31%	2.02%
DCOM	76 Outperform	$1.39B	27.71	4.23%	3.14%	-1.79%	-23.87%
QCRH	75 Outperform	$1.47B	12.16	11.80%	0.28%	-2.42%	3.83%
CNOB	71 Outperform	$1.39B	22.42	4.40%	2.60%	15.55%	-28.10%
TFIN	67 Neutral	$1.49B	226.26	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.

Byline Bancorp Redeems $75M Subordinated Notes

On October 1, 2025, Byline Bancorp, Inc. redeemed its entire $75 million outstanding principal amount of 6.000% Fixed-to-Floating Rate Subordinated Notes due 2030. This redemption was executed under the terms of the Subordinated Debt Indenture and its supplement, with the redemption price set at 100% of the principal amount plus accrued interest. This strategic financial move may impact Byline’s financial structure and stakeholder interests.