Byline Bancorp (BY) AI Stock Analysis

• Market Cap: $1.33B
• Dividend Yield: 1.35%
• Average Volume (3M): 204.87K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 0.99
• Revenue Growth: 2.23%
• EPS Growth: -1.13%
• Country: US
• Employees: 1,032
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 0.75
• Shares Outstanding: 45,864,925
• 10 Day Avg. Volume: 187,427
• 30 Day Avg. Volume: 204,871
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.29
• Enterprise Value/Revenue: 0.55
• Enterprise Value/Gross Profit: 0.68
• Enterprise Value/Ebitda: 0.59
• 1Y Price Target: $32.50
• Price Target Upside: 12.69% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 66 Neutral
• Price Target: $31.00 ▲(7.49% Upside)

Byline Bancorp's overall stock score reflects a mix of strong earnings performance and technical indicators, balanced by financial challenges and valuation considerations. The strategic corporate event further supports the company's financial flexibility, enhancing its market position.

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 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's financial statements reflect challenges with declining revenue and cash flow growth, despite improvements in leverage management. The company faces potential risks in maintaining profitability and liquidity, necessitating strategic adjustments to enhance financial stability and growth.

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	3.10B	621.42M	534.27M	9.57B	316.14M	293.52M
Gross Profit	2.50B	376.50M	4.80B	6.70B	303.61M	637.00M
EBITDA	2.88B	166.11M	6.17B	7.23B	130.20M	-4.27B
Net Income	118.98M	120.76M	107.88M	87.95M	92.78M	37.47M
Balance Sheet
Total Assets	9.72B	9.50B	8.88B	7.36B	6.70B	6.39B
Cash, Cash Equivalents and Short-Term Investments	1.65B	1.73B	1.57B	1.35B	1.61B	1.53B
Total Debt	559.37M	774.65M	553.78M	765.82M	645.77M	385.79M
Total Liabilities	8.53B	8.41B	7.89B	6.60B	5.86B	5.59B
Stockholders Equity	1.19B	1.09B	990.15M	765.82M	836.38M	805.46M
Cash Flow
Free Cash Flow	110.16M	171.17M	162.21M	216.70M	72.19M	105.11M
Operating Cash Flow	116.00M	175.16M	166.07M	220.33M	74.43M	109.02M
Investing Cash Flow	-280.88M	-330.92M	-336.24M	-819.86M	-236.05M	-886.36M
Financing Cash Flow	-347.23M	492.76M	216.96M	620.95M	236.13M	780.01M

Byline Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 28.84
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• 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 28.84 is above the 20-day moving average (MA) of 27.58, above the 50-day MA of 27.33, and above the 200-day MA of 27.49, indicating a bullish trend. The MACD of 0.60 indicates Negative momentum. The RSI at 62.07 is Neutral, neither overbought nor oversold. The STOCH value of 84.23 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
QCRH	78 Outperform	$1.33B	11.81	11.36%	0.31%	-0.76%	-1.60%
BHLB	78 Outperform	$1.21B	10.32	10.13%	2.73%	15.55%	401.99%
RBCAA	74 Outperform	$1.33B	12.12	12.34%	2.24%	8.97%	27.79%
LOB	73 Outperform	$1.77B	31.66	5.54%	0.32%	10.13%	-50.08%
DCOM	73 Outperform	$1.35B	36.19	3.24%	3.27%	-3.08%	-45.24%
Sector *	68 Neutral	$17.95B	11.54	10.27%	3.74%	9.64%	1.17%
BY	66 Neutral	$1.33B	10.78	10.69%	1.35%	2.23%	-1.13%

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.

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.

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.