Byline Bancorp, Inc. (BY)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Byline Bancorp, Inc. (BY) trades at $37.53 with AI Score 91/100 (Grade A+). Byline Bancorp, Inc. Market cap: $1.70B, Sector: Financial services.
Price live · AI analysis from May 10, 2026BY stock analysis for 2026: Analysts have set a consensus price target of $37.00 for Byline Bancorp, Inc., suggesting 1.4% downside from the current price of $37.53. The AI MoonshotScore is 91/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
BY: 6/7 perspectives are bullish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Byline Bancorp, Inc. (BY) Financial Services Profile
Byline Bancorp, Inc., operating as Byline Bank, delivers comprehensive banking solutions to small and medium-sized businesses, commercial real estate ventures, and consumers, primarily in the Chicago metropolitan area. With a focus on relationship banking and community involvement, Byline distinguishes itself through tailored services and a strong regional presence, evidenced by its 43 branch locations.
What Is the Investment Thesis for BY?
Byline Bancorp presents a compelling investment case based on its strategic focus on the Chicago metropolitan area and its diversified revenue streams. With a P/E ratio of 11.4 and a profit margin of 22.0%, the company demonstrates solid profitability. A dividend yield of 1.33% provides a steady income stream for investors. Growth catalysts include expansion of its SBA and USDA lending programs and further penetration into the commercial real estate market. Potential risks include interest rate fluctuations and increased competition from larger national banks. The company's beta of 0.81 suggests lower volatility compared to the broader market.
Based on FMP financials and quantitative analysis
BY Key Highlights
- Market capitalization of $1.70B reflects Byline Bancorp's established position in the regional banking sector.
- Profit margin of 22.0% indicates efficient operations and strong profitability compared to the industry average.
- Gross margin of 67.7% demonstrates effective cost management and revenue generation capabilities.
- Dividend yield of 1.33% provides a consistent return for investors, enhancing the stock's attractiveness.
- Beta of 0.81 suggests lower volatility compared to the broader market, making it a potentially stable investment.
Who Are BY's Competitors?
BY is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HBAN Huntington Bancshares Incorporated | $17.89 | +0.17% | $36.27B | 68 |
| KEY KeyCorp | $23.35 | +1.43% | $25.20B | 95 |
| TCBI Texas Capital Bancshares, Inc. | $105.25 | +1.25% | $4.60B | 93 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.54 | -0.72% | $8.38B | 67 |
| ASBA Associated Banc-Corp | $24.47 | -0.04% | $4.04B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BY's Key Strengths?
- Strong presence in the Chicago metropolitan area.
- Diversified revenue streams.
- Expertise in SBA and USDA lending.
- Experienced management team.
What Are BY's Weaknesses?
- Limited geographic diversification.
- Reliance on local economic conditions.
- Smaller scale compared to larger national banks.
- Higher cost structure than larger competitors.
What Could Drive BY Stock Higher?
- Expansion of digital banking platform to attract and retain customers.
- Strategic acquisitions of smaller banks to expand market presence.
- Increased focus on commercial real estate financing to capitalize on market opportunities.
- Growth of wealth management services to cater to high-net-worth individuals.
What Are the Key Risks for BY?
- Financial-distress signal — its Altman Z-Score of 0.49 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger banks and fintech companies.
- Interest rate fluctuations impacting net interest margin.
- Regulatory changes affecting capital requirements and compliance costs.
- Economic downturn in the Chicago metropolitan area impacting loan performance.
What Are the Growth Opportunities for BY?
- Expansion of SBA and USDA Lending Programs: Byline can capitalize on government-backed lending programs to increase its loan portfolio and revenue. The SBA and USDA loans offer attractive terms and reduced risk, making them appealing to small businesses and agricultural enterprises. The market for SBA lending is estimated at $30 billion annually, providing ample opportunity for Byline to grow its market share. Timeline: Ongoing.
- Increased Focus on Commercial Real Estate Financing: Byline can further penetrate the commercial real estate market in the Chicago metropolitan area. With a growing demand for office, retail, and industrial spaces, Byline can offer tailored financing solutions to developers and investors. The commercial real estate market in Chicago is valued at over $100 billion, presenting a significant growth opportunity. Timeline: Ongoing.
- Enhancement of Digital Banking Platform: Investing in and improving its digital banking platform can attract and retain customers, reduce operational costs, and expand its geographic reach. By offering a seamless online and mobile banking experience, Byline can compete with larger banks and fintech companies. The digital banking market is projected to reach $8 trillion by 2030. Timeline: Ongoing.
- Strategic Acquisitions of Smaller Banks: Byline can pursue strategic acquisitions of smaller community banks to expand its branch network and customer base. Acquisitions can provide access to new markets and synergies, enhancing Byline's overall profitability and market position. The consolidation trend in the banking industry creates opportunities for Byline to grow through acquisitions. Timeline: Ongoing.
- Expansion of Wealth Management Services: Byline can grow its wealth management services to cater to high-net-worth individuals and families. By offering financial planning, investment advisory, and private banking services, Byline can generate additional fee income and build long-term relationships with its clients. The wealth management market is expected to grow to $150 trillion by 2025. Timeline: Ongoing.
What Opportunities Does BY Have?
- Expansion of digital banking platform.
- Strategic acquisitions of smaller banks.
- Increased focus on commercial real estate financing.
- Growth of wealth management services.
What Threats Does BY Face?
- Increased competition from larger banks and fintech companies.
- Interest rate fluctuations.
- Regulatory changes.
- Economic downturn in the Chicago metropolitan area.
What Are BY's Competitive Advantages?
- Strong regional presence in the Chicago metropolitan area.
- Established relationships with local businesses and communities.
- Expertise in SBA and USDA lending programs.
- Diversified revenue streams from lending, deposits, and wealth management.
What Does BY Do?
Founded in 1914 and headquartered in Chicago, Illinois, Byline Bancorp, Inc. has evolved from Metropolitan Bank Group, Inc. to a prominent regional bank holding company. Operating through its subsidiary, Byline Bank, the company provides a diverse array of banking products and services tailored to small and medium-sized businesses, commercial real estate ventures and financial sponsors, and individual consumers. Byline's offerings include retail deposit products such as non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits. The bank also provides ATM and debit cards, along with online, mobile, and text banking services. On the lending side, Byline provides term loans, revolving lines of credit, and construction financing. It also specializes in senior secured financing solutions for private equity-backed lower middle market companies, Small Business Administration (SBA) and United States Department of Agriculture (USDA) loans, and treasury management products and services. Byline further extends its services to equipment vendors and their end users through specialized financing solutions. The company also offers investment, trust, and wealth management services, encompassing fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations, endowments, and high-net-worth individuals. Byline operates 43 branch locations in the Chicago metropolitan area and one branch in Brookfield, Wisconsin, underscoring its commitment to local markets.
What Products and Services Does BY Offer?
- Offers retail deposit products, including checking, savings, and money market accounts.
- Provides commercial lending services, including term loans and lines of credit.
- Offers commercial real estate financing solutions.
- Provides senior secured financing to private equity-backed companies.
- Administers SBA and USDA loans.
- Delivers treasury management products and services.
- Offers equipment financing solutions.
- Provides investment, trust, and wealth management services.
How Does BY Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides wealth management and trust services for a fee.
- Offers financing solutions for equipment vendors.
What Industry Does BY Operate In?
Byline Bancorp operates within the competitive regional banking sector, which is characterized by increasing consolidation and technological disruption. The industry is seeing a shift towards digital banking solutions and a greater emphasis on customer experience. Byline's focus on small and medium-sized businesses and commercial real estate allows it to carve out a niche in the Chicago metropolitan area. The regional banking market is influenced by local economic conditions, interest rate environments, and regulatory changes. Byline competes with both larger national banks and smaller community banks, requiring a balance of scale and personalized service.
Who Are BY's Key Customers?
- Small and medium-sized businesses in the Chicago metropolitan area.
- Commercial real estate developers and investors.
- Private equity-backed lower middle market companies.
- Individual consumers seeking banking services.
FY2026 estForward Outlook
Wall Street analysts project Byline Bancorp, Inc. revenue of about $465.8M for fiscal 2026, with EPS near $3.26. The estimate reflects 3 contributing analysts.
Quarterly Financial Performance: Byline Bancorp, Inc.
Revenue for Byline Bancorp, Inc. came in at $153.4M during Q1 2026, a 4.1% contraction versus the preceding quarter. The company recorded net income of $37.6M, with diluted EPS of $0.83. Revenue has contracted over three consecutive quarters, which investors in this small-cap Financial Services stock should monitor closely. Across the four most recent quarters, BY averaged $0.77 in diluted EPS.
BY Valuation & Market Position
With a $1.70B market cap, Byline Bancorp, Inc. sits in the small-cap segment of the market. Relative to its peer group, BY's quantitative score of 91/100 is above the peer average of 79/100.
ROE 11%Key Financial Metrics
Return on equity for Byline Bancorp, Inc. stands at 11.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.4%, showing how much profit it generates from its asset base. BY trades at a trailing price-to-earnings ratio of 11.43, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 3.39 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 8.8%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
Byline Bancorp, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.49 places it in the distress zone, a signal of elevated financial risk.
Company Profile
Byline Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Chicago, US. The company is led by CEO Roberto R. Herencia. BY has traded publicly since 2017.
BY Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that executives believe in the growth potential of Byline Bancorp.
- Community sentiment has shown increasing optimism, with many investors discussing the company's strong fundamentals and growth strategies.
- Positive developments in the local economy, where Byline operates, have bolstered perceptions of its market position and potential for expansion.
- Recent announcements regarding improved customer service initiatives have resonated well with the community, enhancing brand loyalty.
Bear Case
- Concerns about rising interest rates have led to apprehension among investors, as higher rates could impact loan demand and profitability for banks like Byline.
- Social sentiment has reflected some skepticism about the bank's ability to adapt to changing regulatory environments, which could pose risks.
- Recent discussions in the community have highlighted potential challenges in the competitive landscape, with other banks aggressively pursuing market share.
- Overall market volatility has created a cautious atmosphere, leading some investors to question the stability of financial institutions, including Byline.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · April 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $153M | $38M | $0.83 |
| Q4 2025 | $160M | $35M | $0.76 |
| Q3 2025 | $163M | $37M | $0.82 |
| Q2 2025 | $158M | $30M | $0.67 |
Based on FMP financials and quantitative analysis
BY Latest News
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Earnings Scheduled For October 26, 2023
benzinga · Oct 26, 2023
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Stocks That Hit 52-Week Lows On Tuesday
benzinga · Sep 27, 2022
BY Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BY.
Price Targets
Consensus target: $37.00
BY MoonshotScore
What does this score mean?
The MoonshotScore rates BY's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Roberto R. Herencia
President and Chief Executive Officer
Roberto R. Herencia serves as the President and Chief Executive Officer of Byline Bancorp, Inc. His extensive background in the financial services industry includes leadership roles at various banking institutions. He has a proven track record in strategic planning, business development, and risk management. His expertise spans across commercial banking, retail banking, and wealth management. He is actively involved in community development initiatives and serves on various boards.
Track Record: Under Roberto R. Herencia's leadership, Byline Bancorp has achieved significant milestones, including successful acquisitions and organic growth in key markets. He has overseen the implementation of strategic initiatives to enhance customer experience and improve operational efficiency. His focus on community engagement has strengthened Byline's reputation as a trusted local bank. The company's financial performance has improved under his guidance, with consistent growth in assets and profitability.
What Investors Ask About Byline Bancorp, Inc. (BY) — Financial Services
What does Byline Bancorp, Inc. do?
Byline Bancorp, Inc., through its subsidiary Byline Bank, provides a range of banking products and services to small and medium-sized businesses, commercial real estate ventures, financial sponsors, and individual consumers. The bank offers deposit accounts, commercial lending, real estate financing, SBA and USDA loans, and wealth management services. Byline operates primarily in the Chicago metropolitan area, focusing on building strong relationships with local businesses and communities. Its business model centers on generating revenue through interest income, fees, and wealth management services.
What do analysts say about BY stock?
Analyst consensus on Byline Bancorp (BY) stock reflects a generally positive outlook, citing the company's strong regional presence and diversified revenue streams. Key valuation metrics, such as the P/E ratio of 11.4, suggest that the stock may be undervalued compared to its peers. Growth considerations include the expansion of its digital banking platform and strategic acquisitions. However, analysts also note potential risks, such as increased competition and interest rate fluctuations. Overall, the stock is viewed as a potentially stable investment with moderate growth prospects.
What are the main risks for BY?
Byline Bancorp faces several key risks, including increased competition from larger national banks and fintech companies, which could erode its market share. Interest rate fluctuations pose a risk to its net interest margin, impacting profitability. Regulatory changes, such as increased capital requirements, could increase compliance costs and limit its ability to lend. An economic downturn in the Chicago metropolitan area could negatively affect loan performance and asset quality. These risks require careful monitoring and proactive management to mitigate their potential impact on Byline's financial performance.
What are the key factors to evaluate for BY?
Byline Bancorp, Inc. (BY) holds an AI score of 91/100 (high). P/E: 11.4x vs the S&P 500's ~20-25x. Analysts target $37.00 (-1%). Not financial advice.
How frequently does BY data refresh on this page?
BY prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BY's recent stock price performance?
Byline Bancorp, Inc. (BY) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong presence in the Chicago metropolitan area. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BY overvalued or undervalued right now?
Byline Bancorp, Inc. (BY) trades at 11.4x earnings. Analysts target $37.00 (-1%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BY?
Before investing in Byline Bancorp, Inc. (BY), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest available reporting period.