Stock AnalizByline Bancorp, Inc. BY
Major Banks · IPO 2017 · data as of November 13, 2026
Byline Bancorp, Inc. (BY) is a financial company listed in the US with a market value of about $1.7B. In the twelve months to September 30, 2026 it had revenue of $468M and net income of $154M, a net margin of 32.9%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (2/5).
Key numbers: a P/E of 11.4, a price to free cash flow of 9.4, 5-year revenue growth of 10% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 48% below the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- PEG below 1.5
- 3-year revenue growth above 10% a year
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Checks not passed
- Price below intrinsic value (DCF, moderate assumptions)
- Revenue growth above 10% last year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $468M | $446M | $407M | $387M | $323M | $311M | $277M | $272M | $228M | $172M | $117M |
| Net income | $154M | $130M | $121M | $108M | $88M | $93M | $37M | $57M | $41M | $22M | $67M |
| Free cash flow | $185M | $136M | $171M | $162M | $217M | $72M | $105M | $25M | $77M | $24M | -$2M |
| EPS (diluted) | $3.44 | $2.89 | $2.75 | $2.67 | $2.34 | $2.40 | $0.96 | $1.48 | $1.18 | $0.38 | $3.27 |
| Net margin | 32.9% | 29.1% | 29.7% | 27.9% | 27.3% | 29.9% | 13.5% | 21.0% | 18.1% | 12.6% | 57.3% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $44.40, 13% above the current price; targets range from $41.00 to $46.00; the consensus rating is “Buy”; expected EPS is $3.50 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Byline Bancorp’s P/E ratio?
About 11.4, based on the last twelve months of diluted earnings per share (forward P/E about 11.3).
Is Byline Bancorp stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 48% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Byline Bancorp pay a dividend?
Yes. The dividend yield is about 1.43%, and it has paid dividends for 6 years in our data.
Is Byline Bancorp a good stock to buy?
We do not give buy or sell advice. Byline Bancorp scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.