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Company Analysis

Byline Bancorp, Inc. BY

A comprehensive view of key metrics, scores, and financial health for Byline Bancorp, Inc.

Overview of Byline Bancorp, Inc.

BY NYQ
Financial Services Banks - Regional Small Cap
Byline Bancorp, Inc. (BY), is a Small Cap company, in the Banks - Regional industry, last closed at $30.50, about 7.3% overvalued vs fair value, +15.0% 1Y return, ranked 577/1004 in sector.
$30.50
0.03%
As of March 13, 2026
Previous close • Vol 90d: 23.9%
52-Week Range
Market Cap
$1.40B
Enterprise Value
$1.90B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bylinebancorp.com
HQ Chicago, IL
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$16
$28
$53
Current: $30.50 -7% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$565.9M
18%%
Interest Expense
$186.9M
Net Interest Income
$348.0M
5.3%%
Total Revenue
$629.5M
56%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.1%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$15.8M
13.1% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Byline Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
68
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
82
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BY's balance between Growth (25.5%), Profitability (36.0%), and Safety (38.5%). Growth 26% Safety 39% Profitability 36%

Click axes to expand details. Marker shows current allocation.

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Growth

51th percentile vs peers
52
Key Signals
Revenue CAGR 3Y 25.3% 76p Rev Growth YoY 56.0% 49p Asset Growth YoY 1.6% 30p
Strengths
  • Roa in top 20% of peers (1.3%, 82th percentile)
  • Roa in top 20% of peers (1.3%, 82th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

73th percentile vs peers
73
Key Signals
Strengths
Risks
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Safety

78th percentile vs peers
78
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Byline Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$28.27
- - -
-7.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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