Byline Bancorp, Inc. (BY) AI Stock Analysis

Byline Bancorp, Inc. serves as the bank holding company for Byline Bank, catering to small and medium-sized businesses, commercial real estate investors, financial sponsors, and individual consumers. Founded in 1914 and headquartered in Chicago, Illinois, the company operates 43 branches in the Chicago metropolitan area and one branch in Brookfield, Wisconsin. Its offerings include retail deposit products, online and mobile banking, and customized financing options such as term loans, lines of credit, construction loans, agricultural loans, and Small Business Administration (SBA) loans. It also provides treasury management products and cash flow management services.

Annual revenue grew from $316.1M in FY2021 to $629.5M in FY2025, representing a 5-year revenue CAGR of 16.5%. Annual net income rose from $92.8M in FY2021 to $130.1M in FY2025, while EPS increased from $2.72 to $2.99. In FY2025, revenue increased 1.3%, with an operating margin of 29.1% and a net margin of 20.7%. For the trailing twelve months through June 30, 2026, revenue stood at $434.5M with a profit margin of 34.4%. In the latest quarter ended June 30, 2026, quarterly revenue grew 11.7% year-over-year, and quarterly earnings grew 36.4% year-over-year.

As of June 30, 2026, Byline Bancorp held $1.69B in cash and short-term investments against total debt of $606.2M, resulting in net cash of $1.09B. Shareholders' equity was $1.30B, with a debt-to-equity ratio of 0.46 and a current ratio of 0.20. For FY2025, operating cash flow was $140.3M and free cash flow was $136.3M. In FY2025, capital expenditures totaled $4.0M, share buybacks were $23.7M, and dividends paid were $18.2M.

At a closing price of $37.28, Byline Bancorp trades at a trailing P/E of 11.2x and a forward P/E of 9.6x, below the median of its US-listed Financial Services peers (12.1x trailing and 10.8x forward). Its price-to-sales multiple is 3.9x compared to the peer median of 3.2x, while its price-to-book ratio is 1.3x. The stock has generated a 1-year return of 47.1% and a 5-year return of 65.3%, compared to returns of 16.8% and 83.0% for the SPY over the same respective periods.

Byline Bancorp pays a forward annual dividend of $0.56 per share, yielding 1.50% with a payout ratio of 14.4%. Dividends are distributed quarterly and have been paid for 8 consecutive years, delivering an annualized 5-year dividend growth rate of 27.2%. The last ex-dividend date occurred on August 4, 2026.

Wall Street coverage includes 2 Strong Buy, 1 Buy, and 3 Hold ratings, with zero Sell or Strong Sell recommendations. The mean price target is $43.20, representing 15.9% upside from the last close of $37.28. Consensus forecasts estimate FY2026 EPS of $3.40 on revenue of $465.8M, followed by FY2027 EPS of $3.56 on revenue of $502.0M. The company has beat EPS estimates in each of the last 4 quarters, with its next earnings report scheduled for October 22, 2026.

This page is an AI-written research summary of Byline Bancorp, Inc. (BY). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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