(BY) Byline Bancorp - Overview
Stock: Deposits, Loans, Treasury, Wealth, Leasing
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.85% |
| Yield on Cost 5y | 2.48% |
| Yield CAGR 5y | 7.46% |
| Payout Consistency | 98.8% |
| Payout Ratio | 14.1% |
| Risk 5d forecast | |
|---|---|
| Volatility | 27.4% |
| Relative Tail Risk | -11.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.42 |
| Alpha | 1.39 |
| Character TTM | |
|---|---|
| Beta | 0.781 |
| Beta Downside | 0.952 |
| Drawdowns 3y | |
|---|---|
| Max DD | 33.24% |
| CAGR/Max DD | 0.36 |
Description: BY Byline Bancorp January 18, 2026
Byline Bancorp (NYSE:BY) is a Chicago-based bank holding company that serves small- and medium-sized businesses, commercial-real-estate investors, financial sponsors, and retail consumers across the United States. Its product suite spans deposit accounts (including interest-bearing checking, savings, money-market, and time deposits), ATM/debit services, and digital banking, as well as a broad loan portfolio covering term loans, revolving credit, construction financing, SBA and USDA loans, and senior secured financing for lower-middle-market private-equity-backed companies. The firm also offers treasury-management tools, equipment-vendor financing, syndication, and wealth-management services for high-net-worth individuals and institutional clients.
Key operating metrics that analysts typically watch for regional banks like BY include net interest margin (NIM) – which has hovered around 3.0%-3.5% in the most recent quarters – and loan-to-deposit ratios, currently near 80%, indicating a balanced funding structure. Deposit growth has been modest (≈2% YoY) despite a competitive rate-sensitive environment, while loan growth has accelerated to roughly 6% YoY, driven by demand for construction and private-equity-backed financing. A sector-wide driver is the Federal Reserve’s policy stance; higher policy rates tend to compress NIM but also boost demand for higher-yielding loan products, creating a nuanced impact on BY’s earnings outlook.
For a deeper quantitative view, explore ValueRay’s BY dashboard to see the latest financial ratios and peer comparisons.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 130.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.13 > 1.0 |
| NWC/Revenue: -1017 % < 20% (prev -803.8%; Δ -213.5% < -1%) |
| CFO/TA 0.01 > 3% & CFO 134.6m > Net Income 130.1m |
| Net Debt (-60.2m) to EBITDA (187.9m): -0.32 < 3 |
| Current Ratio: 0.19 > 1.5 & < 3 |
| Outstanding Shares: last quarter (45.4m) vs 12m ago 2.81% < -2% |
| Gross Margin: 66.12% > 18% (prev 0.61%; Δ 6551 % > 0.5%) |
| Asset Turnover: 6.57% > 50% (prev 6.54%; Δ 0.03% > 0%) |
| Interest Coverage Ratio: 0.98 > 6 (EBITDA TTM 187.9m / Interest Expense TTM 186.9m) |
Altman Z'' -3.93
| A: -0.66 (Total Current Assets 1.47b - Total Current Liabilities 7.87b) / Total Assets 9.65b |
| B: 0.07 (Retained Earnings 645.7m / Total Assets 9.65b) |
| C: 0.02 (EBIT TTM 183.0m / Avg Total Assets 9.57b) |
| D: 0.07 (Book Value of Equity 573.1m / Total Liabilities 8.38b) |
| Altman-Z'' Score: -3.93 = D |
What is the price of BY shares?
Over the past week, the price has changed by +5.33%, over one month by +13.63%, over three months by +24.29% and over the past year by +12.58%.
Is BY a buy, sell or hold?
- StrongBuy: 2
- Buy: 1
- Hold: 3
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 35 | 4.4% |
| Analysts Target Price | 35 | 4.4% |
| ValueRay Target Price | 36.2 | 7.9% |
BY Fundamental Data Overview February 02, 2026
P/E Forward = 9.5877
P/S = 3.5685
P/B = 1.1438
Revenue TTM = 629.5m USD
EBIT TTM = 183.0m USD
EBITDA TTM = 187.9m USD
Long Term Debt = 564.9m USD (from longTermDebt, last quarter)
Short Term Debt = 41.3m USD (from shortTermDebt, two quarters ago)
Debt = 581.5m USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -60.2m USD (from netDebt column, last quarter)
Enterprise Value = 579.2m USD (1.46b + Debt 581.5m - CCE 1.47b)
Interest Coverage Ratio = 0.98 (Ebit TTM 183.0m / Interest Expense TTM 186.9m)
EV/FCF = 4.49x (Enterprise Value 579.2m / FCF TTM 129.0m)
FCF Yield = 22.27% (FCF TTM 129.0m / Enterprise Value 579.2m)
FCF Margin = 20.49% (FCF TTM 129.0m / Revenue TTM 629.5m)
Net Margin = 20.66% (Net Income TTM 130.1m / Revenue TTM 629.5m)
Gross Margin = 66.12% ((Revenue TTM 629.5m - Cost of Revenue TTM 213.3m) / Revenue TTM)
Gross Margin QoQ = 73.15% (prev 66.76%)
Tobins Q-Ratio = 0.06 (Enterprise Value 579.2m / Total Assets 9.65b)
Interest Expense / Debt = 7.38% (Interest Expense 42.9m / Debt 581.5m)
Taxrate = 26.45% (12.4m / 46.9m)
NOPAT = 134.6m (EBIT 183.0m * (1 - 26.45%))
Current Ratio = 0.19 (Total Current Assets 1.47b / Total Current Liabilities 7.87b)
Debt / Equity = 0.46 (Debt 581.5m / totalStockholderEquity, last quarter 1.27b)
Debt / EBITDA = -0.32 (Net Debt -60.2m / EBITDA 187.9m)
Debt / FCF = -0.47 (Net Debt -60.2m / FCF TTM 129.0m)
Total Stockholder Equity = 1.21b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.36% (Net Income 130.1m / Total Assets 9.65b)
RoE = 10.77% (Net Income TTM 130.1m / Total Stockholder Equity 1.21b)
RoCE = 10.32% (EBIT 183.0m / Capital Employed (Equity 1.21b + L.T.Debt 564.9m))
RoIC = 7.59% (NOPAT 134.6m / Invested Capital 1.77b)
WACC = 7.83% (E(1.46b)/V(2.04b) * Re(8.79%) + D(581.5m)/V(2.04b) * Rd(7.38%) * (1-Tc(0.26)))
Discount Rate = 8.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 2.14%
[DCF Debug] Terminal Value 78.90% ; FCFF base≈123.2m ; Y1≈124.7m ; Y5≈135.5m
Fair Price DCF = 55.24 (EV 2.46b - Net Debt -60.2m = Equity 2.52b / Shares 45.5m; r=7.83% [WACC]; 5y FCF grow 0.97% → 2.90% )
EPS Correlation: 74.31 | EPS CAGR: 7.47% | SUE: 1.56 | # QB: 10
Revenue Correlation: 88.65 | Revenue CAGR: 19.47% | SUE: 3.23 | # QB: 3
EPS next Quarter (2026-03-31): EPS=0.75 | Chg30d=+0.021 | Revisions Net=+0 | Analysts=5
EPS current Year (2026-12-31): EPS=3.09 | Chg30d=+0.147 | Revisions Net=+0 | Growth EPS=+3.0% | Growth Revenue=+4.3%
EPS next Year (2027-12-31): EPS=3.21 | Chg30d=+0.143 | Revisions Net=+0 | Growth EPS=+3.8% | Growth Revenue=+3.1%