BYLINE BANCORP INC (BY) Fundamental Analysis & Valuation
NYSE:BY • US1244111092
Current stock price
32.4 USD
-0.72 (-2.17%)
At close:
32.4 USD
0 (0%)
After Hours:
This BY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. BY Profitability Analysis
1.1 Basic Checks
- BY had positive earnings in the past year.
- BY had a positive operating cash flow in the past year.
- Each year in the past 5 years BY has 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 1.35%, BY belongs to the top of the industry, outperforming 82.18% of the companies in the same industry.
- BY has a better Return On Equity (10.26%) than 61.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.35% | ||
| ROE | 10.26% | ||
| 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
- The Profit Margin of BY (29.14%) is better than 70.48% of its industry peers.
- 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) | 29.14% | ||
| 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. BY Health Analysis
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.
- The number of shares outstanding for BY has been increased compared to 5 years ago.
- Compared to 1 year ago, BY has a worse debt to assets ratio.
2.2 Solvency
- BY has a debt to FCF ratio of 1.65. This is a very positive value and a sign of high solvency as it would only need 1.65 years to pay back of all of its debts.
- BY has a Debt to FCF ratio (1.65) which is in line with its industry peers.
- A Debt/Equity ratio of 0.18 indicates that BY is not too dependend on debt financing.
- BY has a Debt to Equity ratio (0.18) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.65 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.15%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. BY Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 13.70% over the past year.
- BY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 22.36% yearly.
- BY shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.40%.
- BY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.00% yearly.
EPS 1Y (TTM)13.7%
EPS 3Y6.56%
EPS 5Y22.36%
EPS Q2Q%29.69%
Revenue 1Y (TTM)11.4%
Revenue growth 3Y11.42%
Revenue growth 5Y10%
Sales Q2Q%9.04%
3.2 Future
- The Earnings Per Share is expected to grow by 6.82% 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 4.27% yearly.
EPS Next Y10.8%
EPS Next 2Y6.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.41%
Revenue Next 2Y4.27%
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. BY Valuation Analysis
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.55, 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 71.28% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 26.54. BY is valued rather cheaply when compared to this.
- BY is valuated reasonably with a Price/Forward Earnings ratio of 9.86.
- BY's Price/Forward Earnings ratio is in line with the industry average.
- BY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.55 | ||
| Fwd PE | 9.86 |
4.2 Price Multiples
- 65.96% 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 | 10.84 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.98
PEG (5Y)0.47
EPS Next 2Y6.82%
EPS Next 3YN/A
5. BY Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 1.48%, BY has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.55, BY is paying slightly less dividend.
- BY's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
5.2 History
- The dividend of BY is nicely growing with an annual growth rate of 19.00%!
- 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)19%
Div Incr Years1
Div Non Decr Years6
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 2Y6.82%
EPS Next 3YN/A
BY Fundamentals: All Metrics, Ratios and Statistics
32.4
-0.72 (-2.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength71.43
Industry Growth91.3
Earnings (Last)04-23 2026-04-23/amc
Earnings (Next)07-22 2026-07-22
Inst Owners55.22%
Inst Owner Change0.8%
Ins Owners2.73%
Ins Owner Change0.34%
Market Cap1.48B
Revenue(TTM)455.59M
Net Income(TTM)130.05M
Analysts78.57
Price Target37.33 (15.22%)
Short Float %1.78%
Short Ratio3.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.48% |
Yearly Dividend0.4
Dividend Growth(5Y)19%
DP13.97%
Div Incr Years1
Div Non Decr Years6
Ex-Date02-03 2026-02-03 (0.12)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.67%
Min EPS beat(2)2.46%
Max EPS beat(2)10.88%
EPS beat(4)4
Avg EPS beat(4)4.26%
Min EPS beat(4)1.06%
Max EPS beat(4)10.88%
EPS beat(8)8
Avg EPS beat(8)5.39%
EPS beat(12)10
Avg EPS beat(12)4.38%
EPS beat(16)14
Avg EPS beat(16)5.27%
Revenue beat(2)2
Avg Revenue beat(2)0.78%
Min Revenue beat(2)0.77%
Max Revenue beat(2)0.79%
Revenue beat(4)3
Avg Revenue beat(4)0.28%
Min Revenue beat(4)-0.73%
Max Revenue beat(4)0.79%
Revenue beat(8)5
Avg Revenue beat(8)-0.32%
Revenue beat(12)6
Avg Revenue beat(12)-0.63%
Revenue beat(16)8
Avg Revenue beat(16)-0.91%
PT rev (1m)0%
PT rev (3m)5.33%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)3.05%
EPS NY rev (1m)0.31%
EPS NY rev (3m)4.98%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)1.09%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)1.44%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.55 | ||
| Fwd PE | 9.86 | ||
| P/S | 3.31 | ||
| P/FCF | 10.84 | ||
| P/OCF | 10.53 | ||
| P/B | 1.17 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.07
EY9.48%
EPS(NY)3.29
Fwd EY10.14%
FCF(TTM)2.99
FCFY9.23%
OCF(TTM)3.08
OCFY9.5%
SpS9.79
BVpS27.81
TBVpS22.99
PEG (NY)0.98
PEG (5Y)0.47
Graham Number43.8298 (35.28%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.35% | ||
| ROE | 10.26% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.14% | ||
| GM | N/A | ||
| FCFM | 30.55% |
ROA(3y)1.28%
ROA(5y)1.28%
ROE(3y)10.74%
ROE(5y)10.94%
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 3Y2.3%
PM growth 5Y17.08%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.65 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 87.83% | ||
| Cap/Sales | 0.9% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 104.82% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC13.15%
ROIC/WACCN/A
Cap/Depr(3y)66.01%
Cap/Depr(5y)49.54%
Cap/Sales(3y)0.96%
Cap/Sales(5y)0.94%
Profit Quality(3y)132.31%
Profit Quality(5y)144.44%
High Growth Momentum
Growth
EPS 1Y (TTM)13.7%
EPS 3Y6.56%
EPS 5Y22.36%
EPS Q2Q%29.69%
EPS Next Y10.8%
EPS Next 2Y6.82%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.4%
Revenue growth 3Y11.42%
Revenue growth 5Y10%
Sales Q2Q%9.04%
Revenue Next Year5.41%
Revenue Next 2Y4.27%
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-20.36%
FCF growth 3Y-14.32%
FCF growth 5Y5.34%
OCF growth 1Y-19.89%
OCF growth 3Y-13.96%
OCF growth 5Y5.18%
BYLINE BANCORP INC / BY Fundamental Analysis FAQ
Can you provide the ChartMill fundamental rating for BYLINE BANCORP INC?
ChartMill assigns a fundamental rating of 4 / 10 to BY.
Can you provide the valuation status for BYLINE BANCORP INC?
ChartMill assigns a valuation rating of 5 / 10 to BYLINE BANCORP INC (BY). This can be considered as Fairly Valued.
What is the profitability of BY stock?
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 10.55 and the Price/Book (PB) ratio is 1.17.
What is the financial health of BYLINE BANCORP INC (BY) stock?
The financial health rating of BYLINE BANCORP INC (BY) is 2 / 10.