BYLINE BANCORP INC (BY) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:BY • US1244111092
32.76 USD
+0.83 (+2.6%)
At close: Feb 2, 2026
32.76 USD
0 (0%)
After Hours: 2/2/2026, 4:02:26 PM
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 is not valued too expensively and it also shows a decent growth rate.
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.
- BY had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- BY has a better Return On Assets (1.28%) than 81.20% of its industry peers.
- Looking at the Return On Equity, with a value of 10.17%, BY is in the better half of the industry, outperforming 64.23% 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
- With a decent Profit Margin value of 29.00%, BY is doing good in the industry, outperforming 73.89% of the companies in the same industry.
- 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
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 more shares outstanding than it did 1 year ago.
- BY has more shares outstanding than it did 5 years ago.
- BY has a worse 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's Debt to Equity ratio of 0.21 is in line compared to the rest of the industry. BY outperforms 40.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.21 | ||
| Debt/FCF | 2.03 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.82%
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.
- 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
- Based on estimates for the next years, BY will show a small growth in Earnings Per Share. The EPS will grow by 5.40% on average per year.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.38, the valuation of BY can be described as reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of BY indicates a somewhat cheap valuation: BY is cheaper than 70.23% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of BY to the average of the S&P500 Index (28.32), we can say BY is valued rather cheaply.
- A Price/Forward Earnings ratio of 10.78 indicates a reasonable valuation of BY.
- The rest of the industry has a similar Price/Forward Earnings ratio as BY.
- BY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.38 | ||
| Fwd PE | 10.78 |
4.2 Price Multiples
- BY's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.64 | ||
| 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)2.05
PEG (5Y)0.51
EPS Next 2Y5.4%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.51%, BY has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.67, BY is paying slightly less dividend.
- BY's Dividend Yield is comparable with the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
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.
- 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 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%.