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Financial Services - Banks - Regional - NYSE - US
$ 26.08
-0.344 %
$ 1.17 B
Market Cap
9.48
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one BY stock under the worst case scenario is HIDDEN Compared to the current market price of 26.1 USD, Byline Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one BY stock under the base case scenario is HIDDEN Compared to the current market price of 26.1 USD, Byline Bancorp, Inc. is HIDDEN

This DCF valuation model was last updated on Mar, 31, 2025.

The intrinsic value of one BY stock under the best case scenario is HIDDEN Compared to the current market price of 26.1 USD, Byline Bancorp, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart BY

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$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 Mar
FINANCIALS
14.5 K REVENUE
-100.00%
-384 M OPERATING INCOME
-263.59%
121 M NET INCOME
11.94%
26.9 M OPERATING CASH FLOW
-83.78%
-331 M INVESTING CASH FLOW
1.58%
493 M FINANCING CASH FLOW
127.12%
103 M REVENUE
731386.20%
-92.6 M OPERATING INCOME
-231.39%
30.3 M NET INCOME
-0.03%
52.9 M OPERATING CASH FLOW
167.19%
-188 K INVESTING CASH FLOW
99.60%
57.8 M FINANCING CASH FLOW
123.03%
Balance Sheet Byline Bancorp, Inc.
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Current Assets 1.13 B
Cash & Short-Term Investments 347 M
Receivables 787 M
Other Current Assets 0
Non-Current Assets 1.64 B
Long-Term Investments 1.45 B
PP&E 0
Other Non-Current Assets 198 M
12.49 %28.35 %52.03 %7.13 %Total Assets$2.8b
Current Liabilities 21.1 M
Accounts Payable 21.1 M
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 743 M
Long-Term Debt 743 M
Other Non-Current Liabilities 0
97.24 %Total Liabilities$763.7m
EFFICIENCY
Earnings Waterfall Byline Bancorp, Inc.
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Revenue 14.5 K
Cost Of Revenue 0
Gross Profit 14.5 K
Operating Expenses 404 M
Operating Income -384 M
Other Expenses -505 M
Net Income 121 M
200m200m100m100m00(100m)(100m)(200m)(200m)(300m)(300m)(400m)(400m)(500m)(500m)14k014k(404m)(384m)505m121mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
-2655553.25% OPERATING MARGIN
-2655553.25%
835124.48% NET MARGIN
835124.48%
11.61% ROE
11.61%
1.27% ROA
1.27%
-10.44% ROIC
-10.44%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Byline Bancorp, Inc.
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250m250m200m200m150m150m100m100m50m50m00(50m)(50m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 121 M
Depreciation & Amortization 174 K
Capital Expenditures 0
Stock-Based Compensation 7.89 M
Change in Working Capital 0
Others -99.3 M
Free Cash Flow 26.9 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Byline Bancorp, Inc.
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Wall Street analysts predict an average 1-year price target for BY of $29 , with forecasts ranging from a low of $29 to a high of $29 .
BY Lowest Price Target Wall Street Target
29 USD 11.20%
BY Average Price Target Wall Street Target
29 USD 11.20%
BY Highest Price Target Wall Street Target
29 USD 11.20%
Price
Max Price Target
Min Price Target
Average Price Target
32323030282826262424222220201818May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26
4. DIVIDEND ANALYSIS
0.31% DIVIDEND YIELD
0.1 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.400.400.350.350.300.300.250.250.200.200.150.150.100.100.050.050.000.000.030.060.090.090.090.10.030.060.090.090.090.030.090.090.090.090.030.120.030.240.090.360.090.360.090.360.090.190.0020192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 17
6. Ownership
Insider Ownership Byline Bancorp, Inc.
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Sold
0-3 MONTHS
318 K USD 2
3-6 MONTHS
630 K USD 3
6-9 MONTHS
1.43 M USD 3
9-12 MONTHS
226 K USD 1
Bought
9.08 K USD 2
0-3 MONTHS
1.53 K USD 1
3-6 MONTHS
102 K USD 2
6-9 MONTHS
6.73 K USD 2
9-12 MONTHS
7. News
Byline Bancorp, Inc. Receives Credit Ratings Upgrade by KBRA CHICAGO--(BUSINESS WIRE)--Byline Bancorp, Inc. (NYSE: BY) ("Byline" or "the Company") announced that Kroll Bond Rating Agency, LLC (“KBRA”) has upgraded both Byline and its subsidiary, Byline Bank, credit ratings based on the Company's strong performance and financial outlook. KBRA upgraded Byline Bancorp, Inc. senior unsecured debt rating to BBB+ from BBB, upgraded the subordinated debt rating to BBB from BBB-, and upgraded the short-term debt rating to K2 from K3. In addition, KBRA upgraded B. businesswire.com - 2 weeks ago
Are You Looking for a Top Momentum Pick? Why Byline Bancorp (BY) is a Great Choice Does Byline Bancorp (BY) have what it takes to be a top stock pick for momentum investors? Let's find out. zacks.com - 2 months ago
Byline Bancorp, Inc. (BY) Q4 2024 Earnings Call Transcript Byline Bancorp, Inc. (NYSE:BY ) Q4 2024 Earnings Conference Call January 24, 2025 10:00 AM ET Company Participants Brooks Rennie - Vice President, Head of Investor Relations Alberto Paracchini - President Roberto Herencia - Chairman and Chief Executive Officer Thomas Bell - Executive Vice President, Chief Financial Officer and Treasurer Conference Call Participants Nathan Race - Piper Sandler Brendan Nosal - Hovde Group Terence McEvoy - Stephens Brian Martin - Janney Montgomery Scott Damon DelMonte - KBW Operator Good morning and welcome to Byline Bancorp Fourth Quarter 2024 Earnings Call. My name is Emily and I will be your conference operator today. seekingalpha.com - 2 months ago
Compared to Estimates, Byline Bancorp (BY) Q4 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for Byline Bancorp (BY) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
Byline Bancorp (BY) Q4 Earnings and Revenues Top Estimates Byline Bancorp (BY) came out with quarterly earnings of $0.69 per share, beating the Zacks Consensus Estimate of $0.60 per share. This compares to earnings of $0.73 per share a year ago. zacks.com - 2 months ago
Byline Bancorp, Inc. Reports Fourth Quarter and Full Year 2024 Financial Results CHICAGO--(BUSINESS WIRE)--Byline Bancorp, Inc. (NYSE: BY), today reported:       At or For the quarter   Full Year Highlights (compared to prior year)     4Q24   3Q24   4Q23 Financial Results ($ in thousands)                     • Net income increased $12.9 million, or 11.9% Net interest income   $ 88,524   $ 87,455   $ 86,285     Non-interest income     16,149     14,385     14,503   • Net interest income up $17.4 million, or 5.3%; NIM of 3.97% Total revenue(1)     104,673     101,840     100,. businesswire.com - 2 months ago
Byline Bancorp, Inc. Appoints Brian F. Doran as General Counsel CHICAGO--(BUSINESS WIRE)--Byline Bancorp, Inc. (NYSE: BY) announced today that Brian F. Doran has joined the Company and Byline Bank as Executive Vice President, General Counsel. Mr. Doran will be responsible for leading the company's overall legal function and corporate governance initiatives while providing operational and strategic support to the organization and its Board of Directors. Roberto R. Herencia, Executive Chairman and Chief Executive Officer of Byline Bancorp, Inc., stated, “Bria. businesswire.com - 2 months ago
Curious about Byline Bancorp (BY) Q4 Performance? Explore Wall Street Estimates for Key Metrics Beyond analysts' top -and-bottom-line estimates for Byline Bancorp (BY), evaluate projections for some of its key metrics to gain a better insight into how the business might have performed for the quarter ended December 2024. zacks.com - 2 months ago
Should Value Investors Buy Byline Bancorp (BY) Stock? Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks. zacks.com - 2 months ago
Byline Bancorp, Inc. to Announce Fourth Quarter 2024 Financial Results on Thursday, January 23 CHICAGO--(BUSINESS WIRE)--Byline Bancorp, Inc. (NYSE: BY) announced today that it will issue its fourth quarter 2024 financial results after market close on Thursday, January 23, 2025. Byline Bancorp will also host a conference call and webcast at 9:00 a.m. Central Time on Friday, January 24, 2025 to discuss its financial results. Analysts and investors may participate in the question-and-answer session. Conference Call, Replay and Webcast Information: Date: Friday, January 24, 2025 Time: 9:00. businesswire.com - 3 months ago
Byline Bancorp Announces New Share Repurchase Plan, Stock Up BY authorizes a new share repurchase program enabling the buyback of up to 1.25 million shares. The plan is set to be in effect from Jan. 1, 2025. zacks.com - 3 months ago
Byline Bancorp Announces Approval of New Stock Repurchase Program CHICAGO--(BUSINESS WIRE)--Byline Bancorp, Inc. (“Byline” or the “Company”) (NYSE: BY), announced today that its Board of Directors has approved a new stock repurchase program that authorizes the Company to repurchase up to 1.25 million shares of the Company's outstanding common stock. The shares authorized to be repurchased represent approximately 2.8% of the Company's currently outstanding common stock. The new program will be effective January 1, 2025 and be in effect until December 31, 2025. businesswire.com - 3 months ago
8. Profile Summary

Byline Bancorp, Inc. BY

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 1.17 B
Dividend Yield 0.31%
Description 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.
Contact 180 North LaSalle Street, Chicago, IL, 60601 https://www.bylinebancorp.com
IPO Date June 30, 2017
Employees 1017
Officers Mr. Brogan M. Ptacin Executive Vice President & Head of Commercial Banking Mr. Nicolas Mando Executive Vice President, Chief Technology & Operations Officer Ms. Dana Rose Executive Vice President & Chief Human Resources Officer Mr. Thomas Abraham President of Small Business Capital Mr. Roberto R. Herencia Executive Chairman of the Board & Chief Executive Officer Mr. Alberto J. Paracchini President & Director Ms. Maria Sherylle A. Olano Senior Vice President & Chief Accounting Officer Mr. Thomas J. Bell III Executive Vice President, Treasurer & Chief Financial Officer Mr. Brooks O. Rennie Head of Investor Relations Mr. Brian F. Doran Esq. Executive Vice President & General Counsel