Byline Bancorp (BY) AI Stock Analysis

• Market Cap: $1.24B
• Dividend Yield: 1.44%
• Average Volume (3M): 219.58K
• Price to Earnings (P/E): 10.1
• Beta (1Y): 0.99
• Revenue Growth: 2.23%
• EPS Growth: -1.13%
• Country: US
• Employees: 1,032
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.75
• Shares Outstanding: 45,864,925
• 10 Day Avg. Volume: 196,788
• 30 Day Avg. Volume: 219,578
• 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: 1.38
• Enterprise Value/Revenue: 2.77
• Enterprise Value/Gross Profit: 4.55
• Enterprise Value/Ebitda: 10.51
• 1Y Price Target: $32.00
• Price Target Upside: 16.36% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 77 Outperform
• Price Target: $31.00 ▲(12.73% Upside)

Byline Bancorp's strong financial performance and positive earnings call sentiment are the most significant factors driving the stock score. The technical analysis suggests caution due to bearish momentum, while the valuation indicates reasonable pricing. The recent corporate event further strengthens the company's financial flexibility.

Byline Bancorp Business Overview & Revenue Model

Company Description

Byline Bancorp (BY) is a bank holding company based in the United States, primarily engaged in the provision of a wide range of financial services through its subsidiary, Byline Bank. The company operates within the banking sector, focusing on commercial banking, and offers products such as loans, deposits, treasury management, and wealth management services to both businesses and consumers. Byline Bancorp aims to serve a diverse customer base, leveraging technology and personalized service to meet the financial needs of its clients.

How the Company Makes Money

Byline Bancorp generates revenue primarily through interest income earned on loans, which represent a significant component of its asset portfolio. The company extends various types of loans, including commercial and industrial loans, real estate loans, and consumer loans, charging interest on these products. Additionally, Byline earns non-interest income from fees associated with deposit accounts, treasury management services, and wealth management offerings. The bank also benefits from service charges on customer accounts and transaction fees. Strategic partnerships, such as those with fintech companies, enhance its service capabilities and customer reach, contributing to its revenue growth. Overall, Byline Bancorp's revenue model is diversified across interest and non-interest income streams, positioning it for sustainable profitability.

Byline Bancorp Financial Statement Overview

Summary

Byline Bancorp demonstrates strong financial performance with robust profitability and efficient leverage management. Revenue growth has been impressive, despite a minor dip in recent months, and cash flows are solid, though high reinvestment levels require cautious liquidity management.

Income Statement

Byline Bancorp demonstrates strong profitability with consistent improvements in net profit margin, which increased from 12.76% in 2020 to 19.18% in TTM 2025. The revenue growth rate has been impressive, showing a steady upward trajectory with a notable increase of 74.25% from 2020 to 2024. The EBIT and EBITDA margins reflect solid operational efficiency, both maintaining healthy levels. However, the slight dip in total revenue between 2024 and TTM 2025 indicates a potential need for caution in maintaining revenue growth.

Balance Sheet

The balance sheet of Byline Bancorp is robust, with an improving debt-to-equity ratio that decreased from 0.48 in 2020 to 0.64 in TTM 2025, indicating better leverage management. The return on equity (ROE) has strengthened, reflecting increased profitability relative to equity. The equity ratio has remained stable, underscoring a solid capital structure. However, the company should monitor its rising total liabilities to ensure financial stability.

Cash Flow

Byline Bancorp's cash flow performance is commendable, with consistent growth in free cash flow, highlighted by a 27.95% increase from 2020 to 2024. The operating cash flow to net income ratio indicates strong cash generation capability relative to accounting profits. The free cash flow to net income ratio is healthy, signifying effective conversion of profits to cash. Nevertheless, the substantial investing cash outflows suggest a high level of reinvestment, which should be carefully managed to avoid liquidity constraints.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	618.09M	621.42M	534.27M	356.46M	316.14M	293.52M
Gross Profit	375.75M	376.50M	353.28M	296.35M	303.61M	212.59M
EBITDA	162.87M	166.11M	150.21M	118.97M	130.20M	58.15M
Net Income	118.57M	120.76M	107.88M	87.95M	92.78M	37.47M
Balance Sheet
Total Assets	9.58B	9.50B	8.88B	7.36B	6.70B	6.39B
Cash, Cash Equivalents and Short-Term Investments	1.69B	1.73B	1.57B	1.35B	1.61B	1.53B
Total Debt	723.33M	774.65M	553.78M	765.82M	645.77M	385.79M
Total Liabilities	8.45B	8.41B	7.89B	6.60B	5.86B	5.59B
Stockholders Equity	1.13B	1.09B	990.15M	765.82M	836.38M	805.46M
Cash Flow
Free Cash Flow	134.39M	171.17M	162.21M	216.70M	72.19M	105.11M
Operating Cash Flow	139.88M	175.16M	166.07M	220.33M	74.43M	109.02M
Investing Cash Flow	-402.23M	-330.92M	-336.24M	-819.86M	-236.05M	-886.36M
Financing Cash Flow	46.82M	492.76M	216.96M	620.95M	236.13M	780.01M

Byline Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 27.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• 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 27.5 is above the 20-day moving average (MA) of 26.74, above the 50-day MA of 26.59, and above the 200-day MA of 27.47, indicating a neutral trend. The MACD of -0.26 indicates Positive momentum. The RSI at 54.32 is Neutral, neither overbought nor oversold. The STOCH value of 47.61 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
LOB	78 Outperform	$1.52B	27.21	5.54%	0.35%	10.13%	-50.08%
BY	77 Outperform	$1.24B	10.10	10.69%	1.44%	2.23%	-1.13%
BHLB	77 Outperform	$1.18B	9.96	10.13%	2.76%	15.55%	401.99%
QCRH	76 Outperform	$1.27B	11.32	11.36%	0.32%	-0.76%	-1.60%
RBCAA	74 Outperform	$1.24B	11.27	12.34%	2.40%	8.97%	27.79%
DCOM	73 Outperform	$1.27B	34.37	3.24%	3.45%	-3.08%	-45.24%
Sector *	68 Neutral	$17.48B	11.72	10.44%	3.82%	10.01%	1.29%

Byline Bancorp Corporate Events

Byline Bancorp Completes $75M Subordinated Notes Placement

On August 7, 2025, Byline Bancorp, Inc. completed a private placement of $75.0 million in 6.875% Fixed-to-Floating Rate Subordinated Notes due 2035. The proceeds will be used to redeem existing notes due in 2030, potentially optimizing the company’s capital structure and qualifying as Tier 2 capital for regulatory purposes. This strategic financial move is expected to enhance Byline’s financial flexibility and strengthen its market position.

The most recent analyst rating on (BY) stock is a Hold with a $33.00 price target. To see the full list of analyst forecasts on Byline Bancorp stock, see the BY Stock Forecast page.

Byline Bancorp Completes Major Share Sale and Repurchase

On June 12, 2025, the Estate of Daniel L. Goodwin and Equity Shares Investors, LLC completed the sale of 4,282,210 shares of Byline Bancorp, Inc. common stock in a registered public offering. Byline Bancorp did not receive proceeds from this sale but repurchased 418,235 shares at $23.91 each under its stock repurchase program, with some directors purchasing shares worth $1.27 million, indicating strategic financial maneuvers and stakeholder involvement.

The most recent analyst rating on (BY) stock is a Hold with a $33.00 price target. To see the full list of analyst forecasts on Byline Bancorp stock, see the BY Stock Forecast page.

Byline Bancorp Holds Annual Stockholders Meeting

Byline Bancorp, Inc. held its annual stockholders meeting on June 3, 2025, where approximately 84.07% of the company’s common stock was represented. During the meeting, stockholders elected ten directors for a one-year term, approved executive officer compensation on an advisory basis, and ratified Moss Adams LLP as the independent registered public accounting firm for the fiscal year ending December 31, 2025.

The most recent analyst rating on (BY) stock is a Buy with a $34.00 price target. To see the full list of analyst forecasts on Byline Bancorp stock, see the BY Stock Forecast page.

Byline Bancorp Renews $15M Credit Line with CIBC

Byline Bancorp, Inc. has entered into a series of amendments to its Term Loan and Revolving Credit Agreement with CIBC Bank USA. The latest amendment, effective May 25, 2025, renews a $15 million revolving line of credit and extends its maturity to May 24, 2026, reflecting the company’s ongoing efforts to maintain financial flexibility.

The most recent analyst rating on (BY) stock is a Hold with a $33.00 price target. To see the full list of analyst forecasts on Byline Bancorp stock, see the BY Stock Forecast page.