BY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. There are concerns on the financial health of BY while its profitability can be described as average. BY has a decent growth rate and is not valued too expensively.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year BY was profitable.
BY had a positive operating cash flow in the past year.
In the past 5 years BY has always been profitable.
BY had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

BY has a better Return On Assets (1.28%) than 81.20% of its industry peers.
BY's Return On Equity of 10.17% is fine compared to the rest of the industry. BY outperforms 64.49% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.28%
ROE	10.17%
ROIC	N/A

ROA(3y)1.28%

ROA(5y)1.28%

ROE(3y)10.74%

ROE(5y)10.94%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a decent Profit Margin value of 29.00%, BY is doing good in the industry, outperforming 73.89% of the companies in the same industry.
BY's Profit Margin has improved in the last couple of years.
BY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	29%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y2.3%

PM growth 5Y17.08%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BY has been increased compared to 1 year ago.
Compared to 5 years ago, BY has more shares outstanding
The debt/assets ratio for BY is higher compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of BY is 2.03, which is a good value as it means it would take BY, 2.03 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BY (2.03) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.21 indicates that BY is not too dependend on debt financing.
BY has a Debt to Equity ratio (0.21) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.21
Debt/FCF	2.03
Altman-Z	N/A

ROIC/WACCN/A

WACC13.82%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

BY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.35%.
The Earnings Per Share has been growing by 22.36% on average over the past years. This is a very strong growth
BY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.68%.
Measured over the past years, BY shows a quite strong growth in Revenue. The Revenue has been growing by 10.00% on average per year.

EPS 1Y (TTM)4.35%

EPS 3Y6.56%

EPS 5Y22.36%

EPS Q2Q%10.14%

Revenue 1Y (TTM)9.68%

Revenue growth 3Y11.42%

Revenue growth 5Y10%

Sales Q2Q%11.78%

3.2 Future

Based on estimates for the next years, BY will show a small growth in Earnings Per Share. The EPS will grow by 5.40% on average per year.
Based on estimates for the next years, BY will show a small growth in Revenue. The Revenue will grow by 3.42% on average per year.

EPS Next Y5.55%

EPS Next 2Y5.4%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year3.92%

Revenue Next 2Y3.42%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

BY is valuated reasonably with a Price/Earnings ratio of 11.09.
68.67% of the companies in the same industry are more expensive than BY, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BY to the average of the S&P500 Index (28.30), we can say BY is valued rather cheaply.
A Price/Forward Earnings ratio of 10.50 indicates a reasonable valuation of BY.
The rest of the industry has a similar Price/Forward Earnings ratio as BY.
The average S&P500 Price/Forward Earnings ratio is at 25.57. BY is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	11.09
Fwd PE	10.5

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as BY.

		Industry Rank	Sector Rank
P/FCF	11.34
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2

PEG (5Y)0.5

EPS Next 2Y5.4%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.55%, BY has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.70, BY is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.82, BY has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.55%

5.2 History

On average, the dividend of BY grows each year by 75.79%, which is quite nice.
BY has been paying a dividend for over 5 years, so it has already some track record.
BY has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)75.79%

Div Incr Years0

Div Non Decr Years5

5.3 Sustainability

BY pays out 13.97% of its income as dividend. This is a sustainable payout ratio.
BY's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP13.97%

EPS Next 2Y5.4%

EPS Next 3YN/A

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BYLINE BANCORP INC / BY FAQ

Can you provide the ChartMill fundamental rating for BYLINE BANCORP INC?

ChartMill assigns a fundamental rating of 4 / 10 to BY.

What is the valuation status for BY stock?

ChartMill assigns a valuation rating of 4 / 10 to BYLINE BANCORP INC (BY). This can be considered as Fairly Valued.

Can you provide the profitability details for BYLINE BANCORP INC?

BYLINE BANCORP INC (BY) has a profitability rating of 4 / 10.

Can you provide the expected EPS growth for BY stock?

The Earnings per Share (EPS) of BYLINE BANCORP INC (BY) is expected to grow by 5.55% in the next year.

How sustainable is the dividend of BYLINE BANCORP INC (BY) stock?

The dividend rating of BYLINE BANCORP INC (BY) is 5 / 10 and the dividend payout ratio is 13.97%.