BYLINE BANCORP INC (BY) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:BY - US1244111092 - Common Stock
30.95 USD
+0.62 (+2.04%)
30.95 USD
0 (0%)
Overall BY gets a fundamental rating of 4 out of 10. We evaluated BY against 383 industry peers in the Banks industry. While BY is still in line with the averages on profitability rating, there are concerns on its financial health. BY is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- BY had positive earnings in the past year.
- BY had a positive operating cash flow in the past year.
- In the past 5 years BY has always been profitable.
- BY had a positive operating cash flow in each of the past 5 years.
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 64.75% 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
- The Profit Margin of BY (29.00%) is better than 74.15% 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.
- Compared to 1 year ago, BY has more shares outstanding
- 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 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 (2.03) which is in line with its industry peers.
- 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 in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.85%
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.
- Measured over the past years, BY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.24% on average per year.
- Looking at the last year, BY shows a small growth in Revenue. The Revenue has grown by 7.67% in the last year.
- 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
- BY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.15% yearly.
- The Revenue is expected to grow by 5.09% on average over the next years.
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
- With a Price/Earnings ratio of 11.01, 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 71.80% of the companies in the same industry.
- BY is valuated cheaply when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- The Price/Forward Earnings ratio is 10.19, which indicates a very decent valuation of BY.
- BY's Price/Forward Earnings is on the same level as the industry average.
- BY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.01 | ||
| Fwd PE | 10.19 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, BY is valued a bit cheaper than 61.10% of the companies in the same industry.
| 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 BY does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.18
PEG (5Y)0.98
EPS Next 2Y4.89%
EPS Next 3Y5.15%
5. Dividend
5.1 Amount
- BY has a Yearly Dividend Yield of 1.32%.
- 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
- 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
- 13.97% of the earnings are spent on dividend by BY. This is a low number and sustainable payout ratio.
- BY's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP13.97%
EPS Next 2Y4.89%
EPS Next 3Y5.15%
30.95
+0.62 (+2.04%)
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 Cap1.42B
Revenue(TTM)433.94M
Net Income(TTM)125.85M
Analysts80
Price Target34.48 (11.41%)
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 | 11.01 | ||
| Fwd PE | 10.19 | ||
| P/S | 3.27 | ||
| P/FCF | 11 | ||
| P/OCF | 10.54 | ||
| P/B | 1.15 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.81
EY9.08%
EPS(NY)3.04
Fwd EY9.81%
FCF(TTM)2.81
FCFY9.09%
OCF(TTM)2.94
OCFY9.49%
SpS9.47
BVpS27.01
TBVpS22.19
PEG (NY)2.18
PEG (5Y)0.98
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
WACC13.85%
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%.