BYLINE BANCORP INC (BY) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:BY • US1244111092
33.51 USD
+0.25 (+0.75%)
At close: Feb 6, 2026
33.51 USD
0 (0%)
After Hours: 2/6/2026, 8:20:56 PM
Overall BY gets a fundamental rating of 4 out of 10. We evaluated BY against 383 industry peers in the Banks industry. BY has a medium profitability rating, but doesn't score so well on its financial health evaluation. BY has a correct valuation and a medium growth rate.
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.
- In the past 5 years BY has always been profitable.
- Of the past 5 years BY 4 years had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of BY (1.28%) is better than 80.94% of its industry peers.
- BY has a Return On Equity of 10.17%. This is in the better half 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
- BY's Profit Margin of 29.00% is fine compared to the rest of the industry. BY outperforms 73.89% of its industry peers.
- 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
2. Health
2.1 Basic Checks
- BY does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, BY has more shares outstanding
- The number of shares outstanding for BY has been increased compared to 5 years ago.
- BY has a worse debt/assets ratio than last year.
2.2 Solvency
- BY has a debt to FCF ratio of 2.03. This is a good value and a sign of high solvency as BY would need 2.03 years to pay back of all of its debts.
- BY has a Debt to FCF ratio (2.03) which is in line with its industry peers.
- 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
WACC13.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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%.
- BY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.36% yearly.
- BY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.68%.
- BY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.00% yearly.
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
- BY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.40% yearly.
- The Revenue is expected to grow by 3.42% on average over the next years.
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.64, the valuation of BY can be described as very reasonable.
- 68.67% of the companies in the same industry are more expensive than BY, based on the Price/Earnings ratio.
- BY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.92.
- A Price/Forward Earnings ratio of 11.02 indicates a reasonable valuation of BY.
- The rest of the industry has a similar Price/Forward Earnings ratio as BY.
- Compared to an average S&P500 Price/Forward Earnings ratio of 27.78, BY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.64 | ||
| Fwd PE | 11.02 |
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 | 11.9 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BY does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.1
PEG (5Y)0.52
EPS Next 2Y5.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BY has a Yearly Dividend Yield of 1.51%.
- BY's Dividend Yield is slightly below the industry average, which is at 2.65.
- Compared to an average S&P500 Dividend Yield of 1.83, BY has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
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
- 13.97% of the earnings are spent on dividend by BY. This is a low number and 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
33.51
+0.25 (+0.75%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22 2026-01-22/amc
Earnings (Next)04-22 2026-04-22
Inst Owners54.44%
Inst Owner Change-1.25%
Ins Owners2.53%
Ins Owner Change-0.34%
Market Cap1.54B
Revenue(TTM)446.27M
Net Income(TTM)125.85M
Analysts80
Price Target34.48 (2.89%)
Short Float %1.12%
Short Ratio1.62
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
Yearly Dividend0.36
Dividend Growth(5Y)75.79%
DP13.97%
Div Incr Years0
Div Non Decr Years5
Ex-Date02-03 2026-02-03 (0.12)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.77%
Min EPS beat(2)2.66%
Max EPS beat(2)10.88%
EPS beat(4)4
Avg EPS beat(4)6.26%
Min EPS beat(4)1.06%
Max EPS beat(4)10.88%
EPS beat(8)7
Avg EPS beat(8)4.87%
EPS beat(12)10
Avg EPS beat(12)4.71%
EPS beat(16)13
Avg EPS beat(16)4.32%
Revenue beat(2)2
Avg Revenue beat(2)0.53%
Min Revenue beat(2)0.28%
Max Revenue beat(2)0.79%
Revenue beat(4)3
Avg Revenue beat(4)0.4%
Min Revenue beat(4)-0.73%
Max Revenue beat(4)1.25%
Revenue beat(8)4
Avg Revenue beat(8)-0.86%
Revenue beat(12)6
Avg Revenue beat(12)-0.66%
Revenue beat(16)8
Avg Revenue beat(16)-0.77%
PT rev (1m)0%
PT rev (3m)3.05%
EPS NQ rev (1m)0.23%
EPS NQ rev (3m)-0.07%
EPS NY rev (1m)0.11%
EPS NY rev (3m)2.92%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)1.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.64 | ||
| Fwd PE | 11.02 | ||
| P/S | 3.54 | ||
| P/FCF | 11.9 | ||
| P/OCF | 11.41 | ||
| P/B | 1.24 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.88
EY8.59%
EPS(NY)3.04
Fwd EY9.07%
FCF(TTM)2.81
FCFY8.4%
OCF(TTM)2.94
OCFY8.76%
SpS9.47
BVpS27.01
TBVpS22.19
PEG (NY)2.1
PEG (5Y)0.52
Graham Number41.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 10.17% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29% | ||
| GM | N/A | ||
| FCFM | 29.72% |
ROA(3y)1.28%
ROA(5y)1.28%
ROE(3y)10.74%
ROE(5y)10.94%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.03 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 121.01% | ||
| Cap/Sales | 1.29% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 102.48% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC13.62%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.35%
EPS 3Y6.56%
EPS 5Y22.36%
EPS Q2Q%10.14%
EPS Next Y5.55%
EPS Next 2Y5.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)9.68%
Revenue growth 3Y11.42%
Revenue growth 5Y10%
Sales Q2Q%11.78%
Revenue Next Year3.92%
Revenue Next 2Y3.42%
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 1Y12.65%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y14.67%
OCF growth 3YN/A
OCF growth 5YN/A
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%.