Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
Byline Bancorp Inc(BY)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BY
11/02/2026: BY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Byline Bancorp Inc is a regional bank holding company primarily serving the Chicago metropolitan area with a strong specialization in commercial and government-guaranteed SBA lending. The company has successfully grown its footprint through a disciplined acquisition strategy and benefits from deep ties to the local small-business community. Its primary investment story centers on its ability to scale efficient, high-margin lending niches while managing regional economic and interest rate risks. Investors should monitor the integration of past acquisitions, the health of the Chicago commercial real estate market, and the bank's ability to innovate digitally. The stock is a potential fit for value and dividend-focused portfolios.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely dependent on successful M&A and economic conditions rather than high-velocity organic scaling. |
| Momentum investor | Mixed fit | Momentum is generally tied to broader regional banking sector trends rather than idiosyncratic growth catalysts. |
| Value investor | Strong fit | The stock often trades at multiples consistent with regional bank valuations, potentially offering value for long-term holders. |
| Dividend investor | Strong fit | The company pays regular dividends, making it suitable for income-oriented portfolios focused on regional financial exposure. |
| Low-risk investor | Mixed fit | Regional banking inherently carries interest rate and credit risk that may exceed the tolerance of extremely conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Regional bank stocks are sensitive to interest rate shifts and broader financial market sentiment. |
| Valuation risk | Medium | The stock's valuation is tied to earnings cycles, which can be affected by macro-economic headwinds. |
| Competition risk (Banking) | High | Byline faces intense competition from both massive national banks and agile local institutions. |
| Business quality | Medium | The company has established a sound niche in SBA lending but remains dependent on regional economic health. |
| Dividend income | Medium | Dividends are dependent on sustained profitability and capital retention needs for future growth. |
| Execution risk | Medium | Ongoing growth via acquisitions requires successful cultural and operational integration. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 16.91% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.72B USD | Price to earnings Ratio 11.6 | 1Y Target Price 43.8 |
Price to earnings Ratio 11.6 | 1Y Target Price 43.8 | ||
Volume (30-day avg) 237.4K shares | Beta 0.72 | 52 Weeks Range 26.13 - 40.03 | Updated Date 11/01/2026 |
52 Weeks Range 26.13 - 40.03 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 1.23% | Basic EPS (TTM) 3.32 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial, real estate, and SBA loans minus interest paid on deposits. | The bank earns most of its profit from the spread between the interest it collects on loans and the interest it pays to depositors. |
| Non-Interest Income | Service charges, fees from banking products, and gains on sale of government-guaranteed loans. | Additional revenue is generated through transaction fees and the specialized sale of SBA loans in the secondary market. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.82 | Actual 0.94 |
Profitability
Profit Margin 35.15% | Operating Margin (TTM) 48.83% |
Management Effectiveness
Return on Assets (TTM) 1.56% | Return on Equity (TTM) 12.26% |
Valuation
Trailing PE 11.6 | Forward PE 9.59 | Enterprise Value 1.92B | Price to Sales(TTM) 3.92 |
Enterprise Value 1.92B | Price to Sales(TTM) 3.92 | ||
Enterprise Value to Revenue 4.68 | Enterprise Value to EBITDA - | Shares Outstanding 44.67M | Shares Floating 31.93M |
Shares Outstanding 44.67M | Shares Floating 31.93M | ||
Percent Insiders 28.07 | Percent Institutions 57.45 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.