BY

BULLISH

$33.03 Live

Byline Bancorp, Inc. · NYSE

Target $35.6 (+7.8%)

$24.75 52W Range $34.33

BY Byline Bancorp, Inc. - Fundamental Analysis

BULLISH

Console Chart News

BY Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$33.03

Analyst Target

$35.6

+7.8% Upside

52W High

$34.33

52W Low

$24.75

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 25, 2026

Market cap

$1.5B

P/E

10.72

ROE

11.0%

Profit margin

31.7%

Debt/Equity

N/A

Dividend yield

1.27%

AI Analysis

AI-powered fundamental assessment

Confidence

85%

Byline Bancorp (BY) presents a strong value opportunity, trading significantly below its Graham Number ($43.92) and Intrinsic Value ($81.62). While the Piotroski F-Score of 4/9 indicates stable but not exceptional financial health, the company boasts an exceptional 25-quarter track record of earnings beats and consistent YoY EPS growth of 27.7%. Despite a bearish technical trend and recent insider selling, the fundamental valuation and profitability metrics (ROA 1.36%) suggest significant upside potential.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value

Exceptional earnings track record with consistent beats over 25 quarters

Strong YoY EPS growth of 27.7% and revenue growth of 9.50%

Healthy ROA of 1.36%, which is robust for a regional banking institution

Low P/E ratio (10.72) compared to the broader financial services sector average

Key Risks

Strongly bearish technical trend (10/100) suggesting short-term price pressure

Net bearish insider activity with recent officer sales totaling $0.77M

Low dividend yield (1.27%) providing minimal income support

Piotroski F-Score of 4/9 indicates only 'stable' health rather than 'strong'

Exposure to regional banking sector volatility and interest rate risks

AI Fair Value Estimate

Based on comprehensive analysis

$48.5

+46.8% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Strong Value Play

Key drivers: Deep valuation discount, Consistent earnings surprises, Strong profitability margins

Confidence

80%

Value

92/100

Ref P/E, PEG, Graham Number

Positives

Price $33.03 is well below Graham Number $43.92
P/E of 10.72 is highly attractive

Watchpoints

Price/Sales is slightly elevated at 3.66

Future

85/100

Ref Growth rates

Positives

Consistent Q/Q earnings growth
Positive revenue growth trajectory

Watchpoints

Regional bank growth is often capped by regulatory constraints

Past

95/100

Ref Historical trends

Positives

25 quarters of consistent earnings performance
Strong 1Y price change of +30.7%

Watchpoints

No urgent risks highlighted.

Health

50/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Piotroski F-Score is in the 'Stable' range

Watchpoints

F-Score of 4/9 is not indicative of high financial strength

Dividend

40/100

Ref Yield, Payout

Positives

Very low payout ratio (13.84%) suggests high safety

Watchpoints

Low dividend yield of 1.27%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$33.03

Analyst Target

$35.6

Upside/Downside

+7.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for BY and closest competitors.

Updated 2026-04-24

Company	5Y	3Y	1Y	6M	1M	1W
BY Byline Bancorp, Inc. Primary	+62.7%	+80.6%	+30.7%	+18.2%	+6.3%	-2.0%
DCOM Dime Community Bancshares, Inc. Peer	+29.1%	+80.4%	+42.2%	+14.2%	+7.7%	+4.0%
QCRH QCR Holdings, Inc. Peer	+95.7%	+122.9%	+37.9%	+27.3%	+8.2%	-0.2%
BTT Blackrock Municipal 2030 Target Term Trust Peer	+1.3%	+10.1%	+11.1%	+3.8%	+1.3%	-0.8%
RBCAA Republic Bancorp, Inc. Peer	+93.2%	+108.0%	+20.8%	+7.7%	+12.3%	+1.2%

Byline Bancorp, Inc.

Primary

+62.7%

+80.6%

+30.7%

+18.2%

+6.3%

-2.0%

DCO

Dime Community Bancshares, Inc.

Peer

+29.1%

+80.4%

+42.2%

+14.2%

+7.7%

+4.0%

QCR

QCR Holdings, Inc.

Peer

+95.7%

+122.9%

+37.9%

+27.3%

+8.2%

-0.2%

BTT

Blackrock Municipal 2030 Target Term Trust

Peer

+1.3%

+10.1%

+11.1%

+3.8%

+1.3%

-0.8%

RBC

Republic Bancorp, Inc.

Peer

+93.2%

+108.0%

+20.8%

+7.7%

+12.3%

+1.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

10.72

10.24

N/A

1.19

3.66

4.68

N/A

$1.5B

Profitability

Profit margins and return metrics

Profit Margin 31.72%

Operating Margin 44.14%

Gross Margin N/A

ROE 11.02%

ROA 1.36%

Growth

Revenue and earnings growth rates

Revenue Growth +9.5%

Earnings Growth +13.0%

Q/Q Revenue Growth +12.13%

Q/Q Earnings Growth +13.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$3.87

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-23

$N/A

2026-04-23

$0.83

+8.4% surprise

2026-01-22

$0.76

+6.0% surprise

2025-10-23

$0.83

+15.3% surprise

Financial Services Sector Comparison

Comparing BY against 648 companies in the Financial Services sector (117 bullish, 268 neutral, 263 bearish)

P/E Ratio

10.72

This Stock

38.87

Sector Avg

-72.4% (Discount)

Return on Equity (ROE)

11.02%

This Stock

-1.01%

Sector Avg

-1192.5% (Below Avg)

Profit Margin

31.72%

This Stock

57.27%

Sector Avg

-44.6% (Weaker)

Revenue Growth

9.5%

This Stock

40.3%

Sector Avg

-76.4% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
BY Byline Bancorp, Inc.	BULLISH	$1.5B	10.72	11.0%	31.7%	$33.03
DCOM Dime Community Bancshares, Inc.	NEUTRAL	$1.51B	14.58	7.7%	27.0%	$34.41	Compare
QCRH QCR Holdings, Inc.	BULLISH	$1.51B	12.07	12.1%	36.2%	$90.43	Compare
BTT Blackrock Municipal 2030...	NEUTRAL	$1.48B	24.82	3.5%	66.0%	$22.59	Compare
RBCAA Republic Bancorp, Inc.	NEUTRAL	$1.48B	11.23	12.5%	34.0%	$75.47	Compare

BY Byline Bancorp, Inc.

BULLISH

Mkt Cap

$1.5B

P/E

10.7

ROE

11.0%

Price

$33.03

DCOM Dime Community...

Compare with BY

QCRH QCR Holdings, Inc.

Compare with BY

Compare with BY

RBCAA Republic Bancorp, Inc.

Compare with BY

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-16	ABRAHAM THOMAS	Officer	Stock Award	2,406	-
2026-03-16	HERSETH MARY JO S.	Director	Purchase	300	$9,249
2026-02-26	BARKIDJIJA JOHN M	Officer	Sale	4,509	$145,776
2026-02-20	ABRAHAM THOMAS	Officer	Stock Award	7,094	-
2026-02-20	JOHNSON MICHELLE LYNN	Officer	Stock Award	4,432	-
2026-02-20	FUCINATO MARK	Officer	Stock Award	6,241	-
2026-02-20	ROSE DANA	Officer	Stock Award	5,828	-
2026-02-20	MANDO NICOLAS	Chief Technology Officer	Stock Award	3,935	-
2026-02-20	OLANO MARIA SHERYLLE A	Officer	Stock Award	2,378	-
2026-02-20	DORAN BRIAN F	General Counsel	Stock Award	1,783	-
2026-02-20	HERENCIA ROBERTO R	Chief Executive Officer	Stock Award	54,679	-
2026-02-20	PTACIN BROGAN M	Officer	Stock Award	6,281	-
2026-02-20	BELL THOMAS J III	Chief Financial Officer	Stock Award	11,396	-
2026-02-20	BARKIDJIJA JOHN M	Officer	Stock Award	6,023	-
2026-02-20	PARACCHINI ALBERTO J	President	Stock Award	19,332	-

ABRAHAM THOMAS

Officer

Stock Award

2026-04-16

2,406 shares

HERSETH MARY JO S.

Director

Buy

2026-03-16

300 shares · $9,249

BARKIDJIJA JOHN M

Officer

Sell

2026-02-26

4,509 shares · $145,776

ABRAHAM THOMAS

Officer

Stock Award

2026-02-20

7,094 shares

JOHNSON MICHELLE LYNN

Officer

Stock Award

2026-02-20

4,432 shares

FUCINATO MARK

Officer

Stock Award

2026-02-20

6,241 shares

ROSE DANA

Officer

Stock Award

2026-02-20

5,828 shares

MANDO NICOLAS

Chief Technology Officer

Stock Award

2026-02-20

3,935 shares

OLANO MARIA SHERYLLE A

Officer

Stock Award

2026-02-20

2,378 shares

DORAN BRIAN F

General Counsel

Stock Award

2026-02-20

1,783 shares

HERENCIA ROBERTO R

Chief Executive Officer

Stock Award

2026-02-20

54,679 shares

PTACIN BROGAN M

Officer

Stock Award

2026-02-20

6,281 shares

BELL THOMAS J III

Chief Financial Officer

Stock Award

2026-02-20

11,396 shares

BARKIDJIJA JOHN M

Officer

Stock Award

2026-02-20

6,023 shares

PARACCHINI ALBERTO J

President

Stock Award

2026-02-20

19,332 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-23

BY reported its first-quarter financial results for 2026.

DEF 14A

2026-04-20

BY filed a definitive proxy statement on April 20, 2026, providing shareholders with necessary information and voting materials for the company's annual meeting.

10-K

2026-02-27

BY submitted its annual 10-K filing on February 27, 2026. The provided excerpts contain only section headers and page references, offering no specific financial highlights or detailed risk factors.

8-K

2026-01-22

BY filed an 8-K on January 22, 2026, likely to announce its annual or quarterly financial results.

8-K

2025-12-11

10-Q

2025-11-07

BY submitted its quarterly 10-Q filing on November 7, 2025. Due to limited excerpt content, specific financial highlights and risk details are unavailable, although the filing includes a dedicated section for Risk Factors under Item 1A.

8-K

2025-10-23

BY filed an 8-K on October 23, 2025, likely to announce its third-quarter financial results.

8-K

2025-10-06

8-K

2025-08-07

BY announced its financial results for the second quarter of 2025.

10-Q

2025-08-07

BY filed its quarterly 10-Q report on August 7, 2025. The provided excerpt does not contain specific financial highlights or detailed risk factors.

8-K

2025-07-24

8-K

2025-06-18

8-K

FORM 8-K

2025-06-12

8-K

2025-06-05

8-K

2025-05-27

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

5 analysts

Piper Sandler

2025-10-28

Maintains

Overweight Overweight

Keefe, Bruyette & Woods

2025-10-27

Maintains

Market Perform Market Perform

Past News Coverage

Recent headlines mentioning BY from our newsroom.

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BY

BY Byline Bancorp, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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