BYLINE BANCORP INC (BY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BY - US1244111092 - Common Stock
30.95 USD
-0.76 (-2.4%)
30.95 USD
0 (0%)
BY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals 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 is valued correctly, but it does not seem to be growing.
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.
- BY had positive earnings in 4 of the past 5 years.
- Of the past 5 years BY 4 years had a positive operating cash flow.
1.2 Ratios
- BY has a better Return On Assets (1.28%) than 81.20% of its industry peers.
- 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's Profit Margin of 29.00% is fine compared to the rest of the industry. BY outperforms 73.89% 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) | 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.
- BY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
- The Debt to FCF ratio of BY (2.03) 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.
- With a Debt to Equity ratio value of 0.21, BY perfoms like the industry average, outperforming 41.25% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.91%
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 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.
EPS 1Y (TTM)4.35%
EPS 3Y6.56%
EPS 5Y22.36%
EPS Q2Q%10.14%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%11.78%
3.2 Future
- The Earnings Per Share is expected to grow by 5.40% 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 3.42% yearly.
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
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 10.75, the valuation of BY can be described as very reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of BY indicates a somewhat cheap valuation: BY is cheaper than 73.37% of the companies listed in the same industry.
- BY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
- BY is valuated reasonably with a Price/Forward Earnings ratio of 10.18.
- 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 25.98, BY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.75 | ||
| Fwd PE | 10.18 |
4.2 Price Multiples
- 60.84% of the companies in the same industry are more expensive than BY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11 | ||
| 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)1.94
PEG (5Y)0.48
EPS Next 2Y5.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BY has a Yearly Dividend Yield of 1.26%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.61, BY is paying slightly less dividend.
- Compared to the average S&P500 Dividend Yield of 1.81, BY is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.26% |
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 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
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 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 5.55% in the next year.
How sustainable is the dividend of BYLINE BANCORP INC (BY) stock?
The dividend rating of BYLINE BANCORP INC (BY) is 4 / 10 and the dividend payout ratio is 13.97%.