Taking everything into account, BY scores 4 out of 10 in our fundamental rating. BY was compared to 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.

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.
In the past year BY had a positive cash flow from operations.
Each year in the past 5 years BY has been profitable.
Of the past 5 years BY 4 years had a positive operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 1.28%, BY belongs to the top of the industry, outperforming 81.20% of the companies in the same industry.
With a decent Return On Equity value of 10.17%, BY is doing good in the industry, outperforming 64.49% of the companies in the same industry.

		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

The Profit Margin of BY (29.00%) is better than 73.89% of its industry peers.
In the last couple of years the Profit Margin of BY has grown nicely.
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%
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.
BY has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, BY has a worse 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 in line with its industry peers.
BY has a Debt/Equity ratio of 0.21. This is a healthy value indicating a solid balance between debt and equity.
BY has a Debt to Equity ratio of 0.21. This is comparable to the rest of the industry: BY outperforms 40.73% of its industry peers.

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

ROIC/WACCN/A

WACC13.83%

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%.
BY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.36% yearly.
Looking at the last year, BY shows a quite strong growth in Revenue. The Revenue has grown by 9.68% in the last year.
The Revenue has been growing by 10.00% on average over the past years. This is quite good.

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

The Earnings Per Share is expected to grow by 5.40% on average over the next years.
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

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 11.06, the valuation of BY can be described as 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 28.39.
A Price/Forward Earnings ratio of 10.47 indicates a reasonable valuation of BY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BY is on the same level as its industry peers.
BY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.72.

		Industry Rank	Sector Rank
PE	11.06
Fwd PE	10.47

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	11.31
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)1.99

PEG (5Y)0.49

EPS Next 2Y5.4%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BY has a Yearly Dividend Yield of 1.55%.
Compared to an average industry Dividend Yield of 2.65, 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

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.
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 13.97% of its income as dividend. This is a 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 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%.