BYLINE BANCORP INC (BY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BY - US1244111092 - Common Stock
31.93 USD
+0.34 (+1.08%)
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.
- In the past year BY had a positive cash flow from operations.
- 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
- With an excellent Return On Assets value of 1.28%, BY belongs to the best of the industry, outperforming 81.20% of the companies in the same industry.
- The Return On Equity of BY (10.17%) is better than 64.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 10.17% | ||
| 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
- BY has a Profit Margin of 29.00%. This is in the better half 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 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.
- 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
- Compared to 1 year ago, BY has an improved debt to assets ratio.
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 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
WACC13.88%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 2.18% over the past year.
- BY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.24% yearly.
- BY shows a small growth in Revenue. In the last year, the Revenue has grown by 7.67%.
- 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)2.18%
EPS 3Y4.62%
EPS 5Y11.24%
EPS Q2Q%18.84%
Revenue 1Y (TTM)7.67%
Revenue growth 3Y9.41%
Revenue growth 5Y8.4%
Sales Q2Q%13.64%
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 5.05% on average per year.
- Based on estimates for the next years, BY will show a small growth in Revenue. The Revenue will grow by 5.09% on average per year.
EPS Next Y5.74%
EPS Next 2Y4.94%
EPS Next 3Y5.05%
EPS Next 5YN/A
Revenue Next Year9.44%
Revenue Next 2Y6.67%
Revenue Next 3Y5.09%
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 11.36, the valuation of BY can be described as very reasonable.
- BY's Price/Earnings ratio is a bit cheaper when compared to the industry. BY is cheaper than 72.06% of the companies in the same industry.
- When comparing the Price/Earnings ratio of BY to the average of the S&P500 Index (27.32), we can say BY is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 10.50, the valuation of BY can be described as reasonable.
- BY's Price/Forward Earnings is on the same level as the industry average.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.30, BY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.36 | ||
| Fwd PE | 10.5 |
4.2 Price Multiples
- BY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BY is cheaper than 61.62% of the companies in the same industry.
| 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 BY does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)1.98
PEG (5Y)1.01
EPS Next 2Y4.94%
EPS Next 3Y5.05%
5. Dividend
5.1 Amount
- BY has a Yearly Dividend Yield of 1.29%. Purely for dividend investing, there may be better candidates out there.
- With a Dividend Yield of 1.29, BY pays less dividend than the industry average, which is at 2.91. 80.42% of the companies listed in the same industry pay a better dividend than BY!
- Compared to the average S&P500 Dividend Yield of 1.86, BY is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.29% |
5.2 History
- The dividend of BY is nicely growing with an annual growth rate of 75.79%!
- 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.
- The dividend of BY is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP13.97%
EPS Next 2Y4.94%
EPS Next 3Y5.05%
NYSE:BY (1/22/2026, 9:59:16 AM)
31.93
+0.34 (+1.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-22 2026-01-22/amc
Inst Owners54.44%
Inst Owner Change0.07%
Ins Owners2.53%
Ins Owner Change-0.34%
Market Cap1.46B
Revenue(TTM)433.94M
Net Income(TTM)125.85M
Analysts80
Price Target34.48 (7.99%)
Short Float %0.98%
Short Ratio1.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.29% |
Yearly Dividend0.36
Dividend Growth(5Y)75.79%
DP13.97%
Div Incr Years0
Div Non Decr Years5
Ex-DateN/A
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)3.68%
PT rev (3m)4.97%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.3%
EPS NY rev (1m)0.65%
EPS NY rev (3m)3.45%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.36 | ||
| Fwd PE | 10.5 | ||
| P/S | 3.37 | ||
| P/FCF | 11.34 | ||
| P/OCF | 10.87 | ||
| P/B | 1.18 | ||
| P/tB | 1.44 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.81
EY8.8%
EPS(NY)3.04
Fwd EY9.52%
FCF(TTM)2.81
FCFY8.82%
OCF(TTM)2.94
OCFY9.2%
SpS9.47
BVpS27.01
TBVpS22.19
PEG (NY)1.98
PEG (5Y)1.01
Graham Number41.33
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)1.23%
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
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 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 | 0.21 | ||
| 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
WACC13.88%
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)2.18%
EPS 3Y4.62%
EPS 5Y11.24%
EPS Q2Q%18.84%
EPS Next Y5.74%
EPS Next 2Y4.94%
EPS Next 3Y5.05%
EPS Next 5YN/A
Revenue 1Y (TTM)7.67%
Revenue growth 3Y9.41%
Revenue growth 5Y8.4%
Sales Q2Q%13.64%
Revenue Next Year9.44%
Revenue Next 2Y6.67%
Revenue Next 3Y5.09%
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-36.31%
FCF growth 3Y33.34%
FCF growth 5Y46.93%
OCF growth 1Y-34.59%
OCF growth 3Y33.03%
OCF growth 5Y42.99%
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 5 / 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 5.74% in the next year.
How sustainable is the dividend of BYLINE BANCORP INC (BY) stock?
The dividend rating of BYLINE BANCORP INC (BY) is 4 / 10 and the dividend payout ratio is 13.97%.