BYLINE BANCORP INC (BY) Stock Fundamental Analysis
USA - NYSE:BY - US1244111092 - Common Stock
27.26 USD
+0.2 (+0.74%)
27.26 USD
0 (0%)
BY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 390 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 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.
BY had positive earnings in each of the past 5 years.
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 1.22%, BY belongs to the best of the industry, outperforming 80.26% of the companies in the same industry.
BY's Return On Equity of 9.98% is fine compared to the rest of the industry. BY outperforms 64.62% 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
BY has a Profit Margin of 28.32%. This is in the better half of the industry: BY outperforms 74.87% of its industry peers.
BY's Profit Margin has improved in the last couple of years.
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) | 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.
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
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 has a Debt to FCF ratio (1.63) which is in line with 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.
Looking at the Debt to Equity ratio, with a value of 0.15, BY is in line with its industry, outperforming 56.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | 1.63 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.29%
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%.
The Revenue has been growing by 8.40% on average over the past years. This is quite good.
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 3.45% on average per year.
BY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.80% yearly.
EPS Next Y2.21%
EPS Next 2Y3.45%
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
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.70, which indicates a very decent valuation of BY.
76.67% 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 25.83.
With a Price/Forward Earnings ratio of 9.23, the valuation of BY can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BY indicates a somewhat cheap valuation: BY is cheaper than 63.59% of the companies listed in the same industry.
BY is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.7 | ||
| Fwd PE | 9.23 |
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 | 11.35 | ||
| 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)4.39
PEG (5Y)0.86
EPS Next 2Y3.45%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.49%, BY has a reasonable but not impressive dividend return.
BY's Dividend Yield is slightly below the industry average, which is at 3.42.
Compared to the average S&P500 Dividend Yield of 2.39, BY is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.49% |
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
BY pays out 14.28% 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.
DP14.28%
EPS Next 2Y3.45%
EPS Next 3YN/A
27.26
+0.2 (+0.74%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners53.41%
Inst Owner Change0.01%
Ins Owners2.62%
Ins Owner Change0.9%
Market Cap1.25B
Revenue(TTM)433.94M
Net Income(TTM)118.98M
Analysts80
Price Target33.46 (22.74%)
Short Float %1.69%
Short Ratio2.52
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.49% |
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)1.86%
PT rev (3m)2.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.1%
EPS NY rev (1m)0%
EPS NY rev (3m)4.34%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.11%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.7 | ||
| Fwd PE | 9.23 | ||
| P/S | 2.98 | ||
| P/FCF | 11.35 | ||
| P/OCF | 10.78 | ||
| P/B | 1.05 | ||
| P/tB | 1.29 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.81
EY10.31%
EPS(NY)2.95
Fwd EY10.83%
FCF(TTM)2.4
FCFY8.81%
OCF(TTM)2.53
OCFY9.28%
SpS9.16
BVpS26
TBVpS21.15
PEG (NY)4.39
PEG (5Y)0.86
Graham Number40.55
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
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 | 0.15 | ||
| 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
WACC14.29%
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 Y2.21%
EPS Next 2Y3.45%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.67%
Revenue growth 3Y9.41%
Revenue growth 5Y8.4%
Sales Q2Q%13.64%
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%
BYLINE BANCORP INC / BY FAQ
Can you provide the ChartMill fundamental rating for BYLINE BANCORP INC?
ChartMill assigns a fundamental rating of 3 / 10 to BY.
What is the valuation status of BYLINE BANCORP INC (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.
What is the valuation of BYLINE BANCORP INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BYLINE BANCORP INC (BY) is 9.7 and the Price/Book (PB) ratio is 1.05.
Can you provide the financial health for BY stock?
The financial health rating of BYLINE BANCORP INC (BY) is 2 / 10.