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BYBY

$30.49

-0.12
arrow_drop_down0.39%
Market closed·update12 Mar 2026 20:00
Day's Range
29.95-30.615
52-week Range
22.63-33.89

Chart

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Performance

Key Stats

Next Earnings Date2026-01-22
Next Earnings TimeAfter Market Close
Volume88.51K
Average Volume 30d194.37K

AI BY Summary

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14.3
Valuation (P/E Ratio)
Reasonable for growth sector
📈
0.32
EPS Growth (YoY)
Strong earnings growth
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AI Scoreboard

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Overall Analysis

Buy
72

A company with solid fundamental performance and positive thematic alignment. Technical indicators show some mixed signals, suggesting a neutral to slightly bullish short-term outlook.

Neutral

Thematic

60

The company operates in a stable sector with some growth potential, but lacks strong disruptive thematic tailwinds. The business model is traditional banking.

Strong

Fundamental

75

The company demonstrates strong profitability and a healthy balance sheet, with consistent revenue and earnings growth. Valuation appears reasonable.

Neutral

Technical

68

The stock is trading near its 52-week high and shows mixed signals from moving averages and oscillators, suggesting a neutral short-term outlook.

FactorScore
Digital Transformation50
Economic Sensitivity55
Regulatory Environment70
Customer Focus65
Industry Stability60
FactorScore
Valuation75
Profitability90
Growth70
Balance Sheet Health70
Cash Flow80
FactorScore
Trend Analysis75
Momentum70
Volume70
Support & Resistance60
Moving Averages Crossover70

AI Investing Checklist

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Bullish Points (6)

Earnings Performance chevron_right

Consistent EPS Beat

The company has consistently beaten EPS estimates for the past 12 quarters, with the latest quarter (2025 Q2) showing a 4.09% positive surprise (0.61 estimate vs. 0.64 reported).

Dividend Growth chevron_right

Increasing Dividend Payments

The company has consistently paid and increased its dividends, with the last payment being $0.10 on 2025-05-27, indicating a commitment to shareholder returns.

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Bearish Points (6)

Valuation chevron_right

High Price-to-Sales Ratio

The TTM Price-to-Sales (PS) ratio of 4.2 is high compared to the 2024 estimated PS of 3.3, suggesting potential overvaluation based on revenue.

Growth chevron_right

Slowing Revenue Growth

Revenue growth has slowed from 30.6% in 2021 to 29.9% in 2024, indicating a deceleration in top-line expansion.

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Calendar

May 2025

6

Ex-Dividend Date

May 2025

20

Next Dividend Date

July 2025

25

Next Earnings Date

EPS Est.
Revenue Est.

H: $0.70

A: $0.69

L: $0.67

H: 111.30M

A: 109.03M

L: 106.87M

Profile

Employees (FY)1.03K
ISINUS1244111092
FIGI-

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 the United States department of agriculture loans; and treasury management products and services, such as treasury services, information reporting, fraud management, cash collection, and interest rate derivative products. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; 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. 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.

Seasonals

2025
2024
2023
2022
2021

Price Target

32.00 USD

The 39 analysts offering 1 year price forecasts for BY have a max estimate of 34.00 and a min estimate of 31.00.

Debt Level and Coverage

Debt
Free cash flow
Cash & equivalents

Financial Position Analysis

Assets
Liabilities

Ownership

Free Float shares
30.4M (66.52%)
Closely held shares
15.3M (33.48%)
45.7M
Free Float shares
30.4M (66.52%)
Closely held shares
15.3M (33.48%)

Capital Structure

Market cap
1.24B
Debt
742.55M
Minority interest
0.00
Cash & equivalents
563.14M
Enterprise value
1.42B

Valuation - Summary

Market Cap
1.24B
Net income
88.9M(7.19%)
Revenue
307M(24.80%)
1.24B
Market Cap
1.24B
Net income
88.9M(7.19%)
Revenue
307M(24.80%)
Price to earning ratio (P/E)13.90x
Price to sales ratio (P/S)4.00x

Valuation - Ratios

P/E
P/S

Revenue to Profit Conversion

Revenue
403.54M
COGS
403.54M
Gross Profit
0.00
OpEx
0.00
Operating Income
0.00
Other & Taxes
-120.76M
Net Income
120.76M

Balance Sheet

Total assets
Total liabilities
Liabilities to assets %

Income Statement

Revenue
Net Income
Net Margin

Cash Flow

Operating Cash Flow
Investing Cash Flow
Financing Cash Flow
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