(BY) Byline Bancorp - Ratings and Ratios

Byline Bancorp, Inc. (NYSE:BY) is a bank holding company with a rich history dating back to 1914, headquartered in Chicago, Illinois. It operates through Byline Bank, providing a diverse range of banking services tailored to small and medium-sized businesses, commercial real estate, financial sponsors, and individual consumers. The banks offerings include various deposit products such as non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits. Additionally, it provides ATM and debit cards, along with online, mobile, and text banking services, ensuring convenient access for its customers.

The companys lending portfolio is comprehensive, featuring term loans, revolving lines of credit, and construction financing. It specializes in senior secured financing solutions for private equity-backed lower middle-market companies, which is a niche that requires a deep understanding of the specific needs of these businesses. Byline Bancorp also offers Small Business Administration (SBA) loans and United States Department of Agriculture (USDA) loans, catering to the unique requirements of small businesses and rural communities. Furthermore, its treasury management products and services are designed to help businesses streamline their financial operations efficiently.

Byline Bancorp extends its services beyond traditional banking by providing financing solutions for equipment vendors and their end-users, as well as syndication services that facilitate loan participation among multiple lenders. On the wealth management front, the company offers a suite of services including investment advisory, trust, and fiduciary services, financial planning, and private banking tailored for high net worth individuals, foundations, and endowments. This comprehensive approach underscores the banks commitment to serving a broad spectrum of financial needs.

From a financial perspective, Byline Bancorp has a market capitalization of approximately $1.34 billion, with a price-to-earnings (P/E) ratio of 10.96 and a forward P/E of 11.82, indicating moderate valuation levels. The price-to-book (P/B) ratio of 1.23 suggests that the stock is trading close to its book value, while the price-to-sales (P/S) ratio of 3.59 is on the higher side, which investors may want to consider in their analysis. These metrics provide a snapshot of the companys current standing and can be instrumental for investors and fund managers evaluating potential investments in the regional banking sector.