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Byline Bancorp Inc (BY)



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Upturn Advisory Summary
10/14/2025: BY (1-star) is a SELL. SELL since 4 days. Simulated Profits (-4.98%). Updated daily EoD!
1 Year Target Price $32.4
1 Year Target Price $32.4
2 | Strong Buy |
1 | Buy |
3 | Hold |
0 | Sell |
0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -4% | Avg. Invested days 37 | Today’s Advisory SELL |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.22B USD | Price to earnings Ratio 9.96 | 1Y Target Price 32.4 |
Price to earnings Ratio 9.96 | 1Y Target Price 32.4 | ||
Volume (30-day avg) 6 | Beta 0.86 | 52 Weeks Range 22.46 - 32.52 | Updated Date 10/14/2025 |
52 Weeks Range 22.46 - 32.52 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 1.44% | 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 9.96 | Forward PE 9.59 | Enterprise Value 1557230464 | Price to Sales(TTM) 3.18 |
Enterprise Value 1557230464 | Price to Sales(TTM) 3.18 | ||
Enterprise Value to Revenue 4.28 | Enterprise Value to EBITDA - | Shares Outstanding 45864926 | Shares Floating 30844163 |
Shares Outstanding 45864926 | Shares Floating 30844163 | ||
Percent Insiders 32.73 | Percent Institutions 53.38 |
Upturn AI SWOT
Byline Bancorp Inc

Company Overview
History and Background
Byline Bancorp, Inc. was founded in 1997 as Metropolitan Bank Group, Inc. It has grown through acquisitions and organic expansion, focusing on serving small and medium-sized businesses and retail customers in the Chicago metropolitan area. Byline rebranded and became Byline Bancorp, Inc. in 2015.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to small and medium-sized businesses, including commercial real estate loans, equipment financing, and working capital lines of credit.
- Retail Banking: Offers traditional banking services to individuals, including checking and savings accounts, mortgages, and personal loans.
- SBA Lending: Specializes in Small Business Administration (SBA) lending programs, helping small businesses access capital.
Leadership and Structure
Roberto Herencia is the Chairman and Chief Executive Officer. The organizational structure includes various executive roles overseeing different business lines and support functions such as finance, risk management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Data on CRE loan market share in Chicago is fragmented and varies by sub-sector. Competitors include larger national banks and regional players. Revenue from this is difficult to ascertain. Competitors: Wintrust Financial, MB Financial Bank (now Fifth Third).
- SBA Loans: Loans guaranteed by the Small Business Administration. Byline is an active SBA lender. SBA loan market share data is available from the SBA. Revenue is difficult to ascertain. Competitors: Huntington National Bank, U.S. Bank.
- Commercial & Industrial Loans: Loans provided for operations to small and medium sized businesses. Revenue is difficult to ascertain. Competitors: JPMorgan Chase, BMO Harris Bank
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, increased competition from fintech companies, and evolving customer expectations.
Positioning
Byline Bancorp Inc is positioned as a community-focused bank serving small and medium-sized businesses in the Chicago area. Its competitive advantages include its local market expertise and strong relationships with its customers.
Total Addressable Market (TAM)
The TAM for banking services in the Chicago metropolitan area is substantial, encompassing lending, deposits, and other financial services. Byline's positioning allows it to capture a segment of this large market, focusing on community banking.
Upturn SWOT Analysis
Strengths
- Strong presence in the Chicago metropolitan area
- Experienced management team
- Focus on small and medium-sized businesses
- Active SBA lender
- Strong balance sheet
Weaknesses
- Concentration in a single geographic market
- Smaller scale compared to larger national banks
- Limited brand recognition outside of Chicago
- Potential interest rate risk
- Reliance on traditional banking services
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking technologies
- Growth in SBA lending
- Strategic acquisitions
- Increase services to middle market clients.
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in the Chicago area
- Changes in banking regulations
- Rising interest rates
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- Wintrust Financial Corp (WTFC)
- First Midwest Bancorp (FMBI) (now Old National Bancorp)
- BMO Financial Group (BMO)
Competitive Landscape
Byline Bancorp Inc benefits from its community focus and Chicago presence, but faces competition from larger banks and fintech companies. Its ability to leverage technology and maintain strong customer relationships will be crucial for success.
Major Acquisitions
First Bank & Trust
- Year: 2018
- Acquisition Price (USD millions): 68
- Strategic Rationale: Expanded Byline's presence in the Chicago suburban market and added significant deposit base.
Hearthland Bank
- Year: 2020
- Acquisition Price (USD millions): 63
- Strategic Rationale: Strengthened their position in the Chicago metropolitan market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would analyze Byline Bancorp Inc's revenue, earnings, and asset growth over the past few years.
Future Projections: Future growth projections would provide estimates for Byline Bancorp Inc's future growth based on analyst consensus and company guidance.
Recent Initiatives: Recent strategic initiatives might include acquisitions, branch expansions, technology investments, or new product launches.
Summary
Byline Bancorp is a community bank focused on the Chicago area with a strong position in SBA lending. Its smaller size compared to national banks poses challenges, but its local expertise provides an advantage. Future growth depends on leveraging technology and expanding into new markets. Competitors and economic conditions in Chicago present risks.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Investor presentations
- Press releases
- Third-party research reports (FactSet, S&P Capital IQ)
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor. Data is 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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