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Upturn AI SWOT - About
BY 
Byline Bancorp Inc (BY)
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Upturn Advisory Summary
06/30/2025: BY (1-star) is currently NOT-A-BUY. Pass it for now.
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
1 Year Target Price $32
| 2 | Strong Buy |
| 1 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.05% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.22B USD | Price to earnings Ratio 9.94 | 1Y Target Price 32 |
Price to earnings Ratio 9.94 | 1Y Target Price 32 | ||
Volume (30-day avg) 6 | Beta 0.85 | 52 Weeks Range 22.54 - 32.65 | Updated Date 07/1/2025 |
52 Weeks Range 22.54 - 32.65 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 1.50% | Basic EPS (TTM) 2.69 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.25% | Operating Margin (TTM) 41.82% |
Management Effectiveness
Return on Assets (TTM) 1.25% | Return on Equity (TTM) 11.08% |
Valuation
Trailing PE 9.94 | Forward PE 9.59 | Enterprise Value 1524587648 | Price to Sales(TTM) 3.22 |
Enterprise Value 1524587648 | Price to Sales(TTM) 3.22 | ||
Enterprise Value to Revenue 4.73 | Enterprise Value to EBITDA - | Shares Outstanding 45721400 | Shares Floating 25882203 |
Shares Outstanding 45721400 | Shares Floating 25882203 | ||
Percent Insiders 41.84 | Percent Institutions 45.08 |
Analyst Ratings
Rating 2 | Target Price 32 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Byline Bancorp Inc
Company Overview
History and Background
Byline Bancorp Inc. was founded in 1997. It has grown through acquisitions and organic expansion, focusing on community banking and commercial lending in the Chicago metropolitan area and select other markets. Key milestones include recapitalizations and strategic acquisitions to expand its footprint.
Core Business Areas
- Commercial Lending: Provides loans to small and medium-sized businesses, including commercial real estate, equipment financing, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, mortgages, and other consumer banking services through a network of branches.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
Alberto J. Paracchini serves as the Chief Executive Officer. The company operates with a traditional hierarchical structure, with various departments headed by senior executives reporting to the CEO and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is not publicly available. Competitors include other regional and national banks such as Wintrust Financial (WTFC) and Fifth Third Bancorp (FITB).
- Small Business Loans: Loans to small businesses, often guaranteed by the SBA. Market share data is not publicly available. Competitors include Chase (JPM), Bank of America (BAC), and smaller community banks.
- Deposit Accounts: Checking, savings, and money market accounts. Market share data not publicly available. Competitors include all major banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. It's currently influenced by interest rate fluctuations, technological advancements, and regulatory changes. Community banks face competition from larger national banks, fintech companies, and credit unions.
Positioning
Byline Bancorp Inc. positions itself as a community-focused bank with a strong emphasis on relationship banking and local expertise. Its competitive advantage lies in its local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in Byline's primary market (Chicago metropolitan area) is estimated to be in the billions of dollars. Byline is positioned to capture a portion of this market through its local focus and commercial lending expertise.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Focus on relationship banking
- Solid commercial lending expertise
Weaknesses
- Smaller size compared to national competitors
- Limited geographic diversification
- Reliance on commercial lending sector
- Higher cost of funding compared to larger banks
Opportunities
- Expanding into new markets through acquisitions
- Increasing digital banking capabilities
- Growing wealth management services
- Capitalizing on underserved small business market
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and economic downturn
- Changes in regulatory requirements
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- WTFC
- FITB
- MBWM
- TCBI
- OFG
Competitive Landscape
Byline competes with larger regional and national banks, as well as other community banks. Its advantage lies in its local focus and relationships, but it faces challenges from competitors with greater resources.
Major Acquisitions
First Bank & Trust of Illinois
- Year: 2018
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expanded Byline's footprint in the Chicago metropolitan area and added new customers and branches.
Growth Trajectory and Initiatives
Historical Growth: Byline has demonstrated growth through acquisitions and organic expansion in commercial lending.
Future Projections: Analyst projections depend on overall economic conditions and company-specific strategies. Moderate growth is generally expected.
Recent Initiatives: Recent initiatives include expanding digital banking platforms and focusing on SBA lending programs.
Summary
Byline Bancorp is a community-focused bank with a solid commercial lending business and a growing retail banking presence. Its strength lies in its local market knowledge and relationship-based approach. However, its smaller size and reliance on the Chicago market create vulnerabilities. Management needs to prioritize digital expansion and diversification.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Investor Relations Materials
- Industry Reports
- Financial News Articles
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It is not financial advice. Market share data may be estimated due to limited public information.
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 1032 | Website https://www.bylinebancorp.com |
Full time employees 1032 | 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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