BYLINE BANCORP INC (BY)
US1244111092 - Common Stock
Taking everything into account, BY scores 4 out of 10 in our fundamental rating. BY was compared to 411 industry peers in the Banks industry. BY has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
Each year in the past 5 years BY had a positive operating cash flow.
1.2 Ratios
Looking at the Return On Assets, with a value of 1.21%, BY is in the better half of the industry, outperforming 78.59% of the companies in the same industry.
BY's Return On Equity of 10.89% is fine compared to the rest of the industry. BY outperforms 66.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 10.89% | ||
| ROIC | N/A |
ROA(3y)1.26%
ROA(5y)1.07%
ROE(3y)11.12%
ROE(5y)9.08%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 27.86%, BY is doing good in the industry, outperforming 69.10% of the companies in the same industry.
BY's Profit Margin has improved in the last couple of years.
BY does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.86% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y28.16%
PM growth 5Y9.51%
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.
Compared to 5 years ago, BY has more shares outstanding
The debt/assets ratio for BY is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of BY is 1.32, which is an excellent value as it means it would take BY, only 1.32 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 1.32, BY is in the better half of the industry, outperforming 70.07% of the companies in the same industry.
BY has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BY (0.22) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 1.32 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.91%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.18%, which is quite good.
Measured over the past years, BY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.46% on average per year.
The Revenue has grown by 19.96% in the past year. This is quite good.
The Revenue has been growing by 11.14% on average over the past years. This is quite good.
EPS 1Y (TTM)12.18%
EPS 3Y36.49%
EPS 5Y13.46%
EPS growth Q2Q4.62%
Revenue 1Y (TTM)19.96%
Revenue growth 3Y11.77%
Revenue growth 5Y11.14%
Revenue growth Q2Q14.79%
3.2 Future
The Earnings Per Share is expected to decrease by -1.50% on average over the next years.
The Revenue is expected to grow by 2.25% on average over the next years.
EPS Next Y-2.22%
EPS Next 2Y-1.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.38%
Revenue Next 2Y2.25%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BY is valuated cheaply with a Price/Earnings ratio of 7.90.
74.70% 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 25.20.
Based on the Price/Forward Earnings ratio of 8.07, the valuation of BY can be described as reasonable.
Based on the Price/Forward Earnings ratio, BY is valued cheaper than 80.05% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 21.63. BY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.9 | ||
| Fwd PE | 8.07 |
4.2 Price Multiples
BY's Price/Free Cash Flow ratio is rather cheap when compared to the industry. BY is cheaper than 82.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.59
EPS Next 2Y-1.5%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BY has a Yearly Dividend Yield of 1.68%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.86, BY is paying slightly less dividend.
BY's Dividend Yield is slightly below the S&P500 average, which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.68% |
5.2 History
On average, the dividend of BY grows each year by 71.21%, 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 last 3 years.
Dividend Growth(5Y)71.21%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
BY pays out 13.53% of its income as dividend. This is a sustainable payout ratio.
DP13.53%
EPS Next 2Y-1.5%
EPS Next 3YN/A
BYLINE BANCORP INC
NYSE:BY (4/25/2024, 7:04:00 PM)
After market: 21.08 0 (0%)21.08
-0.35 (-1.63%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap935.53M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.68% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.9 | ||
| Fwd PE | 8.07 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.59
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 10.89% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 27.86% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)12.18%
EPS 3Y36.49%
EPS 5Y
EPS growth Q2Q
EPS Next Y-2.22%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)19.96%
Revenue growth 3Y11.77%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y