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Upturn AI SWOT - About
BY 
Byline Bancorp Inc (BY)
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Upturn Advisory Summary
08/28/2025: BY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $32.2
1 Year Target Price $32.2
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 2.19% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.33B USD | Price to earnings Ratio 10.84 | 1Y Target Price 32.2 |
Price to earnings Ratio 10.84 | 1Y Target Price 32.2 | ||
Volume (30-day avg) 6 | Beta 0.86 | 52 Weeks Range 22.46 - 32.52 | Updated Date 08/29/2025 |
52 Weeks Range 22.46 - 32.52 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.30% | Basic EPS (TTM) 2.68 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.94% | Operating Margin (TTM) 40.99% |
Management Effectiveness
Return on Assets (TTM) 1.23% | Return on Equity (TTM) 10.69% |
Valuation
Trailing PE 10.84 | Forward PE 9.59 | Enterprise Value 1665013120 | Price to Sales(TTM) 3.46 |
Enterprise Value 1665013120 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 4.46 | Enterprise Value to EBITDA - | Shares Outstanding 45864900 | Shares Floating 30833614 |
Shares Outstanding 45864900 | Shares Floating 30833614 | ||
Percent Insiders 32.73 | Percent Institutions 53.4 |
Upturn AI SWOT
Byline Bancorp Inc
Company Overview
History and Background
Byline Bancorp, Inc. was founded in 1997. Initially named Metropolitan Bank Group, it rebranded as Byline Bancorp in 2015 after a recapitalization. The bank focuses on serving small- and medium-sized businesses and personal banking clients.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products and services to small and medium-sized businesses, including commercial real estate loans, term loans, lines of credit, and treasury management services.
- Retail Banking: Provides personal banking services such as checking and savings accounts, mortgages, home equity loans, and other consumer lending products.
- Small Business Banking: Focuses on providing loans guaranteed by the Small Business Administration (SBA) to small businesses.
Leadership and Structure
Roberto R. Herencia serves as the Executive Chairman of the Board. Alberto J. Paracchini is the Chief Executive Officer. The company operates with a standard corporate structure, including various executive vice presidents and department heads overseeing different aspects of the business.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to pinpoint exactly, but Byline is a significant player in the Chicago area. Competitors include Wintrust Financial (WTFC), MB Financial Bank (now part of Fifth Third), and regional banks.
- SBA Loans: Loans guaranteed by the Small Business Administration. Byline is a leading SBA lender in Illinois and the Midwest. Competitors include Huntington Bancshares (HBAN), U.S. Bank (USB), and other SBA lenders.
Market Dynamics
Industry Overview
The banking industry is characterized by increasing competition, regulatory changes, and technological advancements. Interest rate fluctuations and economic conditions heavily influence profitability. Consolidation is ongoing within the industry.
Positioning
Byline Bancorp Inc. is positioned as a community-focused bank serving small and medium-sized businesses, primarily in the Chicago metropolitan area. Its competitive advantages include its local market knowledge and strong SBA lending expertise.
Total Addressable Market (TAM)
The TAM for banking services in the Chicago metropolitan area is estimated to be in the billions of dollars annually. Byline Bancorp is positioned to capture a share of this market through its focus on local businesses and its SBA lending program.
Upturn SWOT Analysis
Strengths
- Strong SBA lending platform
- Established presence in the Chicago market
- Experienced management team
- Focus on relationship banking
Weaknesses
- Geographic concentration in Chicago
- Reliance on commercial real estate lending
- Smaller scale compared to larger national banks
- Higher cost of deposits vs other lenders.
Opportunities
- Expansion into new markets within the Midwest
- Increased adoption of digital banking solutions
- Acquisition opportunities of smaller community banks
- Capitalizing on the shift from larger banks due to their poor customer service.
Threats
- Economic downturn affecting loan demand
- Increased competition from larger banks and fintech companies
- Rising interest rates impacting profitability
- Regulatory changes increasing compliance costs
Competitors and Market Share
Key Competitors
- WTFC
- HBAN
- USB
Competitive Landscape
Byline Bancorp competes with larger national and regional banks. Its advantages include its local focus, relationship banking approach, and SBA lending expertise. Its disadvantages include its smaller scale and geographic concentration.
Major Acquisitions
First Bank & Trust
- Year: 2018
- Acquisition Price (USD millions): 78
- Strategic Rationale: Expanded Byline's presence in the Chicago suburban market.
Growth Trajectory and Initiatives
Historical Growth: Byline Bancorp has grown through organic expansion and acquisitions.
Future Projections: Analyst estimates vary; consult financial news sources for consensus projections.
Recent Initiatives: Focus on digital transformation and expanding commercial lending portfolio.
Summary
Byline Bancorp is a regional bank with a strong SBA lending platform and an established presence in Chicago. It faces competition from larger banks and the challenges of economic cycles. However, its focus on local businesses and strategic acquisitions provide opportunities for growth. It needs to be wary of rising interest rates and the impact they may have on lending demand.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Articles
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and financial information are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Byline Bancorp Inc
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 2017-06-30 | Executive Chairman of the Board & CEO Mr. Roberto R. Herencia | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1017 | Website https://www.bylinebancorp.com |
Full time employees 1017 | 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 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. 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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