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BY stock logo

BY

Byline Bancorp, Inc.

$38.11
-0.16
 (-0.41%)
Exchange:  NYSE
Market Cap:  1.73B
Shares Outstanding:  24.642M
Delayed data
Calculate BY Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Roberto R. Herencia
Full Time Employees:  1018
Address: 
180 North LaSalle Street
Chicago
IL
60601
US
Website:  https://www.bylinebancorp.com
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 the United States department of agriculture loans; and treasury management products and services, such as treasury services, information reporting, fraud management, cash collection, and interest rate derivative products. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services, including fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. 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.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/07/24 — 2 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue532,472621,423629,491
Gross Profit351,962376,499416,219
EBITDA150,209166,110187,859
Operating Income145,680161,079182,955
Net Income107,878120,759130,051

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets8,881,9679,496,5299,652,676
Total Liabilities7,891,8168,405,0328,384,770
Total Stockholders Equity990,1511,091,4971,267,906
Total Debt553,776774,652564,947
Cash and Cash Equivalents226,136563,13860,184

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow166,067175,16055,755
Capital Expenditure-3,861-3,9920
Free Cash Flow162,206171,16855,755
Net Income107,878120,759130,051
Net Change in Cash46,783337,0023,330

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)470,922.285Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)488,119.447Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)479,920.800Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)150,077.211Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)155,557.737Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)152,944.928Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)151,840.166Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)160,072.516Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)155,956.341Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)127,650.942Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)132,312.505Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)130,090.132Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)3.410Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)3.520Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)3.340Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)4Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)5Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
622.282M  ?P/S
 (TTM)
: 
2.73
?Net Income
 (TTM)
: 
120.759M  ?P/E
 (TTM)
: 
11.49
?Enterprise Value
 (TTM)
: 
2.266B  ?EV/FCF
 (TTM)
: 
13.87
?Dividend Yield
 (TTM)
: 
1.26%  ?Payout Ratio
 (TTM)
: 
13.43%
?ROE
 (TTM)
: 
11.75%  ?ROIC
 (TTM)
: 
-2.66%
?Net Debt
 (TTM)
: 
715.893M  ?Debt/Equity
 (TTM)
: 
0.46
?P/B
 (TTM)
: 
1.31  ?Current Ratio
 (TTM)
: 
0.2

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
11.27Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

Strengths (preview)

  • Solid Financial Performance: Byline Bancorp reported a net income of $37 million in Q3 2025, reflecting strong profitability. Key metrics such as return on equity (ROE) and return on invested capital (ROIC) from the TTM data indicate efficient use of capital, positioning the company favorably within its industry.
  • Stable Operating Cash Flow: Cash flow statements highlight consistent net cash provided by operating activities, supported by positive free cash flow trends. This financial stability enables the company to fund operations and potential growth initiatives without excessive reliance on external financing.
  • Strong Gross Profit Margin: The TTM gross profit margin demonstrates effective cost management and pricing power, contributing to sustained profitability compared to industry peers, as evidenced by sector and industry performance data.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates BY intrinsic value between $37.92 – $57.43 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about BY valuation

Is Byline Bancorp, Inc. (BY) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Byline Bancorp, Inc. (BY) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is BY a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BY trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is BY’s P/E ratio?

You can see BY’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for BY?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is BY a good long-term investment?

Whether BY fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

BY

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.41
MARKETSnap

Trading Metrics:

Open: 37.89   Previous Close: 38.26
Day Low: 37.68   Day High: 38.18
Year Low: 25.57   Year High: 40.03
Price Avg 50: 37.97   Price Avg 200: 33
Volume: 30246   Average Volume: 288104

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BY full analysis

28/10/2025

Welcome to MARKETSNAP’s SWOT analysis for Byline Bancorp, a player in the financial sector that might not be on everyone’s radar but definitely deserves a closer look. If you’re a long-term investor hunting for opportunities in the banking space, stick around as we dive into what makes this company tick, break down its strengths, weaknesses, opportunities, and threats, and give you the insights you need to make an informed decision. Let’s get started! Overview of Byline Bancorp For those who…

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See in Nexus

Relevant news

Byline Bank and Lithic Partner to Expand Fintech Banking Capabilities
27-07-2026 10:00
Byline Bank and Lithic Partner to Expand Fintech Banking Capabilities
Byline Bancorp, Inc. (BY) Q2 2026 Earnings Call Transcript
24-07-2026 14:00
Byline Bancorp, Inc. (BY) Q2 2026 Earnings Call Transcript
Here's What Key Metrics Tell Us About Byline Bancorp (BY) Q2 Earnings
23-07-2026 20:31
Here's What Key Metrics Tell Us About Byline Bancorp (BY) Q2 Earnings
Byline Bank Honored with SBA Lender of the Year Award in Illinois
20-07-2026 10:00
Byline Bank Honored with SBA Lender of the Year Award in Illinois
Why Byline Bancorp (BY) is Poised to Beat Earnings Estimates Again
10-07-2026 13:10
Why Byline Bancorp (BY) is Poised to Beat Earnings Estimates Again
What Makes Byline Bancorp (BY) a New Strong Buy Stock
24-06-2026 13:01
What Makes Byline Bancorp (BY) a New Strong Buy Stock

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