BYLINE BANCORP INC(NYSE:BY) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BY. BY was compared to 398 industry peers in the Banks industry. While BY is still in line with the averages on profitability rating, there are concerns on its financial health. BY is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

BY had positive earnings in the past year.

BY had a positive operating cash flow in the past year.

Each year in the past 5 years BY has been profitable.

In the past 5 years BY always reported a positive cash flow from operatings.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.27%, BY belongs to the top of the industry, outperforming 82.91% of the companies in the same industry.

With a decent Return On Equity value of 11.06%, BY is doing good in the industry, outperforming 77.64% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.27%
ROE	11.06%
ROIC	N/A

ROA(3y)1.23%

ROA(5y)1.13%

ROE(3y)11.14%

ROE(5y)9.8%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 29.68%, BY belongs to the top of the industry, outperforming 81.91% of the companies in the same industry.

BY's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for BY so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	29.68%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.08%

PM growth 5Y7.5%

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.

BY has more shares outstanding than it did 5 years ago.

The debt/assets ratio for BY has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of BY is 1.10, which is an excellent value as it means it would take BY, only 1.10 years of fcf income to pay off all of its debts.

The Debt to FCF ratio of BY (1.10) is better than 73.12% of its industry peers.

A Debt/Equity ratio of 0.17 indicates that BY is not too dependend on debt financing.

BY has a Debt to Equity ratio (0.17) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	1.1
Altman-Z	N/A

ROIC/WACCN/A

WACC14.74%

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

The Earnings Per Share has been growing slightly by 3.37% over the past year.

The Earnings Per Share has been growing by 11.24% on average over the past years. This is quite good.

BY shows a small growth in Revenue. In the last year, the Revenue has grown by 5.14%.

BY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.40% yearly.

EPS 1Y (TTM)3.37%

EPS 3Y4.62%

EPS 5Y11.24%

EPS Q2Q%1.47%

Revenue 1Y (TTM)5.14%

Revenue growth 3Y9.41%

Revenue growth 5Y8.4%

Sales Q2Q%3.85%

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 1.19% on average per year.

The Revenue is expected to grow by 4.84% on average over the next years.

EPS Next Y-3.51%

EPS Next 2Y1.19%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.66%

Revenue Next 2Y4.84%

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

A Price/Earnings ratio of 9.29 indicates a reasonable valuation of BY.

Compared to the rest of the industry, the Price/Earnings ratio of BY indicates a rather cheap valuation: BY is cheaper than 82.66% of the companies listed in the same industry.

BY is valuated cheaply when we compare the Price/Earnings ratio to 28.64, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 9.63, the valuation of BY can be described as very reasonable.

BY's Price/Forward Earnings is on the same level as the industry average.

When comparing the Price/Forward Earnings ratio of BY to the average of the S&P500 Index (21.44), we can say BY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.29
Fwd PE	9.63

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BY is valued cheaply inside the industry as 84.42% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.93
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.83

EPS Next 2Y1.19%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BY has a Yearly Dividend Yield of 1.65%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.68, BY is paying slightly less dividend.

Compared to the average S&P500 Dividend Yield of 2.52, BY is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.65%

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 13.12% 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.

DP13.12%

EPS Next 2Y1.19%

EPS Next 3YN/A

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BYLINE BANCORP INC

NYSE:BY (4/24/2025, 2:40:19 PM)

25.635

+0.29 (+1.12%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/amc

Earnings (Next)04-24 2025-04-24/amc

Inst Owners46.47%

Inst Owner Change0.02%

Ins Owners2.33%

Ins Owner Change0.45%

Market Cap1.19B

Analysts80

Price Target34.48 (34.5%)

Short Float %2.1%

Short Ratio4.24

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.65%

Yearly Dividend0.36

Dividend Growth(5Y)75.79%

DP13.12%

Div Incr Years0

Div Non Decr Years5

Ex-Date02-04 2025-02-04 (0.1)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)6.96%

Min EPS beat(2)3.46%

Max EPS beat(2)10.45%

EPS beat(4)4

Avg EPS beat(4)6.52%

Min EPS beat(4)3.46%

Max EPS beat(4)10.45%

EPS beat(8)6

Avg EPS beat(8)4.43%

EPS beat(12)10

Avg EPS beat(12)5.6%

EPS beat(16)13

Avg EPS beat(16)11.26%

Revenue beat(2)1

Avg Revenue beat(2)-0.46%

Min Revenue beat(2)-2.18%

Max Revenue beat(2)1.25%

Revenue beat(4)2

Avg Revenue beat(4)-0.92%

Min Revenue beat(4)-2.77%

Max Revenue beat(4)1.25%

Revenue beat(8)3

Avg Revenue beat(8)-1.08%

Revenue beat(12)5

Avg Revenue beat(12)-1.31%

Revenue beat(16)9

Avg Revenue beat(16)-0.25%

PT rev (1m)-1.74%

PT rev (3m)-1.74%

EPS NQ rev (1m)-0.54%

EPS NQ rev (3m)4.15%

EPS NY rev (1m)-0.51%

EPS NY rev (3m)3.71%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1.66%

Revenue NY rev (1m)0.06%

Revenue NY rev (3m)1.37%

Valuation

		Industry Rank	Sector Rank
PE	9.29
Fwd PE	9.63
P/S	2.92
P/FCF	6.93
P/OCF	6.77
P/B	1.09
P/tB	1.36
EV/EBITDA	N/A

EPS(TTM)2.76

EY10.77%

EPS(NY)2.66

Fwd EY10.39%

FCF(TTM)3.7

FCFY14.43%

OCF(TTM)3.79

OCFY14.77%

SpS8.79

BVpS23.59

TBVpS18.9

PEG (NY)N/A

PEG (5Y)0.83

Profitability

		Industry Rank	Sector Rank
ROA	1.27%
ROE	11.06%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	29.68%
GM	N/A
FCFM	42.07%

ROA(3y)1.23%

ROA(5y)1.13%

ROE(3y)11.14%

ROE(5y)9.8%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y0.08%

PM growth 5Y7.5%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.17
Debt/FCF	1.1
Debt/EBITDA	N/A
Cap/Depr	79.35%
Cap/Sales	0.98%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	141.74%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC14.74%

ROIC/WACCN/A

Cap/Depr(3y)47.64%

Cap/Depr(5y)37.54%

Cap/Sales(3y)1.03%

Cap/Sales(5y)1.04%

Profit Quality(3y)179.64%

Profit Quality(5y)180.75%

High Growth Momentum

Growth

EPS 1Y (TTM)3.37%

EPS 3Y4.62%

EPS 5Y11.24%

EPS Q2Q%1.47%

EPS Next Y-3.51%

EPS Next 2Y1.19%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)5.14%

Revenue growth 3Y9.41%

Revenue growth 5Y8.4%

Sales Q2Q%3.85%

Revenue Next Year4.66%

Revenue Next 2Y4.84%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y5.53%

FCF growth 3Y33.34%

FCF growth 5Y46.93%

OCF growth 1Y5.48%

OCF growth 3Y33.03%

OCF growth 5Y42.99%

BYLINE BANCORP INC (BY) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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