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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
10/02/2026: BY (2-star) is currently NOT-A-BUY. Pass it for now.
Byline Bancorp Inc is a regional bank focused on providing commercial and retail banking services, particularly within the Chicago metropolitan area. The company has a notable position in government-guaranteed lending, which provides a consistent source of non-interest income. Its primary growth story revolves around deep relationships with small and mid-sized businesses and disciplined regional expansion. However, risks include geographic concentration, interest rate sensitivity, and intense competition for deposits. The stock may best suit value or dividend-focused investors seeking exposure to the regional banking sector. Monitoring future loan portfolio quality and the evolution of digital service offerings remains essential for long-term evaluation.
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 | The company offers moderate growth potential through market consolidation and specialized lending but operates in a mature, cyclical industry. |
| Momentum investor | Weak fit | As a regional bank, it typically lacks the high-volatility price action sought by momentum traders unless specific market catalysts occur. |
| Value investor | Strong fit | Regional banks are often evaluated based on tangible book value and P/E ratios, which may appeal to value-oriented investors. |
| Dividend investor | Strong fit | The company provides a consistent dividend that can be attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | While banking is regulated, regional banks are subject to macroeconomic and credit risks that may deter the most conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stock prices often fluctuate with broader interest rate expectations and economic outlooks. |
| Valuation risk | Medium | Market pricing of regional banks can shift rapidly based on perceived credit quality and interest rate spreads. |
| Competition risk (Chicago retail/commercial banking) | High | The highly competitive nature of the Chicago market exerts constant pressure on interest margins and deposit acquisition costs. |
| Business quality | Medium | The company maintains a steady business model, though it lacks the scale of national 'too-big-to-fail' institutions. |
| Dividend income | Medium | Dividends are subject to regulatory capital requirements and the company's long-term profitability. |
| Execution risk | Medium | Successfully integrating past and future acquisitions requires disciplined management to preserve asset quality. |
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 13.71% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/02/2026 |
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 1.68B USD | Price to earnings Ratio 11.2 | 1Y Target Price 43.2 |
Price to earnings Ratio 11.2 | 1Y Target Price 43.2 | ||
Volume (30-day avg) 276.6K shares | Beta 0.71 | 52 Weeks Range 25.20 - 40.03 | Updated Date 10/02/2026 |
52 Weeks Range 25.20 - 40.03 | Updated Date 10/02/2026 | ||
Dividends yield (FY) 1.19% | Basic EPS (TTM) 3.32 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the core profit engine, benefiting when the bank earns more on loans than it pays to depositors. |
| Non-Interest Income | Service charges, treasury management fees, and gains from the sale of government-guaranteed loans. | These fees provide a valuable revenue stream that does not rely strictly on interest rate spreads. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.2 | Forward PE 9.59 | Enterprise Value 2.09B | Price to Sales(TTM) 3.87 |
Enterprise Value 2.09B | Price to Sales(TTM) 3.87 | ||
Enterprise Value to Revenue 4.83 | Enterprise Value to EBITDA - | Shares Outstanding 45.19M | Shares Floating 32.44M |
Shares Outstanding 45.19M | Shares Floating 32.44M | ||
Percent Insiders 27.75 | Percent Institutions 56.65 |
Upturn AI Summary
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.
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.
About Byline Bancorp Inc
Exchange NYSE | Headquarters 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 1018 | Website https://www.bylinebancorp.com |
Full time employees 1018 | 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, including 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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