BYLINE BANCORP INC (BY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BY - US1244111092 - Common Stock
29.67 USD
-0.02 (-0.07%)
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. 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
- In the past year BY was profitable.
- BY had a positive operating cash flow in the past year.
- In the past 5 years BY has always 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 1.28%, 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)1.23%
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 better Profit Margin (29.00%) 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 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
- 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 2.03, which is a good value as it means it would take BY, 2.03 years of fcf income to pay off all of its debts.
- BY has a Debt to FCF ratio of 2.03. This is comparable to the rest of the industry: BY outperforms 47.52% of 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 (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
WACC14.02%
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 2.18%.
- The Earnings Per Share has been growing by 11.24% on average over the past years. This is quite good.
- Looking at the last year, BY shows a small growth in Revenue. The Revenue has grown by 7.67% 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)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
- The Earnings Per Share is expected to grow by 5.15% on average over the next years.
- BY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.09% yearly.
EPS Next Y5.05%
EPS Next 2Y4.89%
EPS Next 3Y5.15%
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
- BY is valuated reasonably with a Price/Earnings ratio of 10.56.
- Compared to the rest of the industry, the Price/Earnings ratio of BY indicates a somewhat cheap valuation: BY is cheaper than 73.63% of the companies listed in the same industry.
- BY is valuated cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
- A Price/Forward Earnings ratio of 9.77 indicates a reasonable valuation of BY.
- Based on the Price/Forward Earnings ratio, BY is valued a bit cheaper than the industry average as 61.88% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, BY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.56 | ||
| Fwd PE | 9.77 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BY is valued a bit cheaper than 61.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.54 | ||
| 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)2.09
PEG (5Y)0.94
EPS Next 2Y4.89%
EPS Next 3Y5.15%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.32%, BY has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.90, BY is paying slightly less dividend.
- BY's Dividend Yield is slightly below the S&P500 average, which is at 1.92.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.32% |
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 2Y4.89%
EPS Next 3Y5.15%
NYSE:BY (1/14/2026, 10:06:10 AM)
29.67
-0.02 (-0.07%)
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 Cap1.36B
Revenue(TTM)433.94M
Net Income(TTM)125.85M
Analysts80
Price Target34.48 (16.21%)
Short Float %1.72%
Short Ratio2.65
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.32% |
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)-0.07%
EPS NQ rev (3m)-0.3%
EPS NY rev (1m)0.42%
EPS NY rev (3m)2.78%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)0.89%
Revenue NY rev (1m)0.32%
Revenue NY rev (3m)0.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.56 | ||
| Fwd PE | 9.77 | ||
| P/S | 3.13 | ||
| P/FCF | 10.54 | ||
| P/OCF | 10.1 | ||
| P/B | 1.1 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.81
EY9.47%
EPS(NY)3.04
Fwd EY10.23%
FCF(TTM)2.81
FCFY9.49%
OCF(TTM)2.94
OCFY9.9%
SpS9.47
BVpS27.01
TBVpS22.19
PEG (NY)2.09
PEG (5Y)0.94
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
WACC14.02%
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 Y5.05%
EPS Next 2Y4.89%
EPS Next 3Y5.15%
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 5.05% 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%.