Byline Bancorp, Inc. (BY)

NYQ – Real Time Price. Currency in USD

39.17

+0.39 (1.01%)

Market open: Aug 12, 2026, 12:24 PM EDT

38.78

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 38.45$
Day's range: 38.31 - 38.82$
52-week range: 25.57 - 40.03$
Volume: 202 375
Average volume: 230 608
Beta: 0.18
EPS (TTM): 3.33
PE ratio (TTM): 11.61
Forward P/E: 11.36
Market cap: 1 737 417 947
Shares outstanding: 45 186 423
Dividend yield: $1.13 (1.13%)
Next earnings date: 2026-10-22
Sector: Financials
Industry: Banks - Regional

About the company

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 depo... read more

CEO: Roberto Herencia
Country: United States
IPO Date: 2017-06-30
Employees: 1027
Fiscal Year End: January - December
Website: https://www.bylinebancorp.com

Revenue Breakdown

Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: BY

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Overall Score

4.4 / 1044%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $606.2M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.5) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.04	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.46	0.05	7.0
Debt to Assets	0.06	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	357M	534M	622M	629M	638M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	115M	146M	161M	173M	201M
Net Income	88M	108M	121M	130M	149M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	46.73	0.44	10
Net margin %	34.41	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.40	1.46	3.0
ROE	11.34	14.94	7.0
ROIC	9.59	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	0.83	-1.81	1.5
Next quarter	0.84	8.99	4.0
Current year	4.22	12.78	6.0
Next year	3.19	0.89	3.0
Weighted average score			3.6

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	3.36	6.92	9.64	-6.93	4.0
Y/Y	1.48	33.57	21.33	109.75	8.3
3y average	22.36	14.09	8.89	-13.38	6.3
5y average	17.1	36.94	39.21	25.74	9.8
Weighted average score					7.1

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	12.61	11.16	5.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.91	3.37	4.0
P/B	1.38	1.53	5.6
Weighted average score			4.1

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR7.22%

FCF 5 year CAGR4

Fair value56.51$

Stock price38.45$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	1.39	1.39	5.0
Payout ratio	13.95	13.95	3.0
5-year dividend growth rate	27.23	27.23	10
Years of dividend increase	1.00	1.00	2.0
Weighted average score			5.0

Fair Value

$56.51

UndervaluedStock priceOvervalued

$38.45

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Roberto Herencia

Country

United States

IPO Date

2017-06-30

Employees

1027

Fiscal Year End

January - December

Website

https://www.bylinebancorp.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.04

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.46

0.05

7.0

Debt to Assets

0.06

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

357M

534M

622M

629M

638M

Gross Profit

N/A

Operating Income

115M

146M

161M

173M

201M

Net Income

88M

108M

121M

130M

149M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

46.73

0.44

Net margin %

34.41

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.40

1.46

3.0

ROE

11.34

14.94

7.0

ROIC

9.59

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

0.83

-1.81

1.5

Next quarter

0.84

8.99

4.0

Current year

4.22

12.78

6.0

Next year

3.19

0.89

3.0

Weighted average score

3.6

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

3.36

6.92

9.64

-6.93

4.0

Y/Y

1.48

33.57

21.33

109.75

8.3

3y average

22.36

14.09

8.89

-13.38

6.3

5y average

17.1

36.94

39.21

25.74

9.8

Weighted average score

7.1

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

12.61

11.16

5.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.91

3.37

4.0

P/B

1.38

1.53

5.6

Weighted average score

4.1

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

1.39

5.0

Payout ratio

13.95

3.0

5-year dividend growth rate

27.23

Years of dividend increase

1.00

2.0

Weighted average score

5.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Stock details

About the company

Revenue Breakdown

News

Chart: BY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$56.51

$38.45

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: BY

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$56.51

$38.45

Economic Moat