Byline Bancorp, Inc.

Byline Bancorp, Inc.

BYยทNYSE

$32.74

-2.0%
Financial ServicesBanks - Regional

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. It operates through 43 branch locations in the Chicago metropolitan area and one branch in Brookfield, Wisconsin. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.

At a Glance

Live Snapshot
Market Cap$1.49B
EPS2.9000
P/E Ratio11.29
Earnings Date07/23/2026
Byline Bancorp, Inc.

Byline Bancorp, Inc. Fair Value Envelope

BY ยท NYSE

Our analysis suggests that BY has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $32.74, this represents a potential HIDDEN relative to our calculated worth for Byline Bancorp, Inc..

Intrinsic Value
Current Price: $32.74

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$486.0M
+ Cash & Equivalents$60.2M
Firm Value$546.2M
- Debt$564.9M
Equity Value-$18.8M
/ Shares Outstanding45,859,977B
DCF Value-$0
OVERVALUED BY 101%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$111.8M
$89.0M
$70.9M
$56.5M
$45.0M
$35.8M
$28.5M
$22.7M
$18.1M
$14.4M
Maintenance CapEx
-$636.7K
-$507.0K
-$403.8K
-$321.6K
-$256.1K
-$204.0K
-$162.5K
-$129.4K
-$103.0K
-$82.1K
Owner Earnings
$111.1M
$88.5M
$70.5M
$56.1M
$44.7M
$35.6M
$28.4M
$22.6M
$18.0M
$14.3M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$102.9M
$75.9M
$55.9M
$41.3M
$30.4M
$22.4M
$16.5M
$12.2M
$9.0M
$6.6M
Terminal Value represents 23.2% of Enterprise Value