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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 $33.12, about 14.6% overvalued vs fair value, +29.7% 1Y return, ranked 593/1037 in sector.
Metrics Rev Growth 56.0% ROE 11.0% Gross Margin 66.1%
$33.12
0.36%
As of April 28, 2026
Previous close • Vol 90d: 22.2%
52-Week Range
Market Cap
$1.51B
Enterprise Value
$2.01B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 90%
Updated: Mar 8
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: $33.12 -15% 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
66
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
79
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing BY's balance between Growth (32.2%), Profitability (40.6%), and Safety (27.2%). Growth 32% Safety 27% Profitability 41%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

51th percentile vs peers
52
Key Signals
NII Growth YoY 5.3% 62p Equity Growth YoY 10.2% 69p EPS Growth YoY 3.2% 51p Asset Growth YoY 1.6% 30p
Strengths
  • Net Interest Margin in top 20% of peers (3.7%, 85th percentile)
  • ROA in top 20% of peers (1.3%, 82th percentile)
  • Equity/Assets in top 20% of peers (13.1%, 81th percentile)
Risks

No significant risks identified for this axis.

Profitability

65th percentile vs peers
65
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
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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Bear
-
- - -
- upside
-
Base
$28.27
- - -
-14.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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