BYLINE BANCORP INC (BY) Stock Fundamental Analysis
USA - NYSE:BY - US1244111092 - Common Stock
28.59 USD
+0.29 (+1.02%)
Overall BY gets a fundamental rating of 3 out of 10. We evaluated BY against 392 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.
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.
BY had positive earnings in each of the past 5 years.
Each year in the past 5 years BY had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 1.22%, BY belongs to the best of the industry, outperforming 80.36% of the companies in the same industry.
BY has a Return On Equity of 9.98%. This is in the better half of the industry: BY outperforms 65.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 9.98% | ||
| 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 28.32%, BY is in the better half of the industry, outperforming 75.00% 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) | 28.32% | ||
| 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
2. Health
2.1 Basic Checks
BY does not have a ROIC to compare to the WACC, probably because it is not profitable.
BY has more shares outstanding than it did 1 year ago.
The number of shares outstanding for BY has been increased compared to 5 years ago.
BY has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BY is 1.63, which is an excellent value as it means it would take BY, only 1.63 years of fcf income to pay off all of its debts.
BY's Debt to FCF ratio of 1.63 is in line compared to the rest of the industry. BY outperforms 54.59% of its industry peers.
BY has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
BY has a Debt to Equity ratio (0.15) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.34%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BY have decreased by -1.11% in the last year.
Measured over the past years, BY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.24% on average per year.
Looking at the last year, BY shows a small growth in Revenue. The Revenue has grown by 3.44% in the last year.
Measured over the past years, BY shows a quite strong growth in Revenue. The Revenue has been growing by 8.40% on average per year.
EPS 1Y (TTM)-1.11%
EPS 3Y4.62%
EPS 5Y11.24%
EPS Q2Q%-2.94%
Revenue 1Y (TTM)3.44%
Revenue growth 3Y9.41%
Revenue growth 5Y8.4%
Sales Q2Q%11.15%
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 2.57% on average per year.
Based on estimates for the next years, BY will show a small growth in Revenue. The Revenue will grow by 5.80% on average per year.
EPS Next Y0.41%
EPS Next 2Y2.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.57%
Revenue Next 2Y5.8%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.67, the valuation of BY can be described as very reasonable.
Based on the Price/Earnings ratio, BY is valued a bit cheaper than the industry average as 74.74% of the companies are valued more expensively.
BY is valuated cheaply when we compare the Price/Earnings ratio to 27.20, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.85, the valuation of BY can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as BY.
BY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.67 | ||
| Fwd PE | 9.85 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BY is on the same level as its industry peers.
| 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)26.25
PEG (5Y)0.95
EPS Next 2Y2.57%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BY has a Yearly Dividend Yield of 1.38%.
Compared to an average industry Dividend Yield of 3.73, BY is paying slightly less dividend.
With a Dividend Yield of 1.38, BY pays less dividend than the S&P500 average, which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.38% |
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.
As BY did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)75.79%
Div Incr Years0
Div Non Decr Years5
5.3 Sustainability
BY pays out 14.28% 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.
DP14.28%
EPS Next 2Y2.57%
EPS Next 3YN/A
NYSE:BY (9/17/2025, 12:47:12 PM)
28.59
+0.29 (+1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners45.59%
Inst Owner Change17.95%
Ins Owners2.63%
Ins Owner Change1.1%
Market Cap1.31B
Analysts80
Price Target32.84 (14.87%)
Short Float %1.03%
Short Ratio1.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.38% |
Yearly Dividend0.36
Dividend Growth(5Y)75.79%
DP14.28%
Div Incr Years0
Div Non Decr Years5
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)1.86%
Min EPS beat(2)1.06%
Max EPS beat(2)2.66%
EPS beat(4)4
Avg EPS beat(4)4.41%
Min EPS beat(4)1.06%
Max EPS beat(4)10.45%
EPS beat(8)7
Avg EPS beat(8)3.87%
EPS beat(12)10
Avg EPS beat(12)4.05%
EPS beat(16)13
Avg EPS beat(16)4.52%
Revenue beat(2)1
Avg Revenue beat(2)-0.23%
Min Revenue beat(2)-0.73%
Max Revenue beat(2)0.28%
Revenue beat(4)2
Avg Revenue beat(4)-0.35%
Min Revenue beat(4)-2.18%
Max Revenue beat(4)1.25%
Revenue beat(8)4
Avg Revenue beat(8)-0.94%
Revenue beat(12)5
Avg Revenue beat(12)-0.93%
Revenue beat(16)8
Avg Revenue beat(16)-0.76%
PT rev (1m)0.63%
PT rev (3m)0.63%
EPS NQ rev (1m)1.82%
EPS NQ rev (3m)6.85%
EPS NY rev (1m)2.5%
EPS NY rev (3m)2.22%
Revenue NQ rev (1m)1.23%
Revenue NQ rev (3m)3.38%
Revenue NY rev (1m)0.81%
Revenue NY rev (3m)2.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.67 | ||
| Fwd PE | 9.85 | ||
| P/S | 3.12 | ||
| P/FCF | 11.9 | ||
| P/OCF | 11.3 | ||
| P/B | 1.1 | ||
| P/tB | 1.35 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY9.37%
EPS(NY)2.9
Fwd EY10.16%
FCF(TTM)2.4
FCFY8.4%
OCF(TTM)2.53
OCFY8.85%
SpS9.16
BVpS26
TBVpS21.15
PEG (NY)26.25
PEG (5Y)0.95
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.22% | ||
| ROE | 9.98% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.32% | ||
| GM | N/A | ||
| FCFM | 26.22% |
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 | 0.15 | ||
| Debt/FCF | 1.63 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 123.95% | ||
| Cap/Sales | 1.39% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 92.58% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.34%
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)-1.11%
EPS 3Y4.62%
EPS 5Y11.24%
EPS Q2Q%-2.94%
EPS Next Y0.41%
EPS Next 2Y2.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.44%
Revenue growth 3Y9.41%
Revenue growth 5Y8.4%
Sales Q2Q%11.15%
Revenue Next Year8.57%
Revenue Next 2Y5.8%
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 1Y-30.06%
FCF growth 3Y33.34%
FCF growth 5Y46.93%
OCF growth 1Y-27.45%
OCF growth 3Y33.03%
OCF growth 5Y42.99%