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Byline Bancorp Inc (BY)

Upturn stock ratingUpturn stock rating
$29.04
Last Close (24-hour delay)
Profit since last BUY1.11%
upturn advisory
Consider higher Upturn Star rating
BUY since 14 days
  • BUY Advisory
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  • SELL Advisory (Loss)​
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
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Upturn Advisory Summary

09/12/2025: BY (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$32.2 Target price
52w Low $22.46
Current$29.04
52w High $32.52

Analysis of Past Performance

Type Stock
Historic Profit 2.15%
Avg. Invested days 35
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 09/12/2025

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 0.91
52 Weeks Range 22.46 - 32.52
Updated Date 09/13/2025
52 Weeks Range 22.46 - 32.52
Updated Date 09/13/2025
Dividends yield (FY) 1.31%
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 1664554496
Price to Sales(TTM) 3.46
Enterprise Value 1664554496
Price to Sales(TTM) 3.46
Enterprise Value to Revenue 4.46
Enterprise Value to EBITDA -
Shares Outstanding 45864900
Shares Floating 30842328
Shares Outstanding 45864900
Shares Floating 30842328
Percent Insiders 32.73
Percent Institutions 53.36

ai summary icon Upturn AI SWOT

Byline Bancorp Inc

stock logo

Company Overview

overview logo History and Background

Byline Bancorp, Inc. was founded in 1909 as Metropolitan Bank Group, Inc. Following a recapitalization in 2015, it was rebranded as Byline Bancorp, Inc. The company has grown through organic expansion and strategic acquisitions, focusing on community banking in the Chicago metropolitan area.

business area logo Core Business Areas

  • Commercial Banking: Provides a range of lending and deposit products and services to small and medium-sized businesses, including commercial real estate loans, equipment loans, and working capital lines of credit.
  • Retail Banking: Offers deposit accounts, residential mortgage loans, and other consumer financial services to individuals and families.
  • Wealth Management: Offers wealth management and trust services to high-net-worth individuals and families.

leadership logo Leadership and Structure

Roberto R. Herencia is the Chairman and CEO. The organizational structure includes divisions for commercial banking, retail banking, and wealth management, with support functions such as finance, risk management, and compliance.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Real Estate Loans: Loans secured by commercial properties. Market share data for Byline specifically is not widely available, but the Chicago commercial real estate loan market is competitive. Competitors include Wintrust Financial (WTFC), First Midwest Bancorp (FMBI), and larger national banks.
  • Small Business Loans: Loans to small businesses for various purposes, including expansion, equipment purchases, and working capital. Byline competes with local and regional banks, as well as online lenders. Competitors include JP Morgan Chase (JPM), Bank of America (BAC), and Wintrust Financial (WTFC).
  • Deposit Accounts: Checking and savings accounts for businesses and consumers. Byline competes with a variety of banks for deposit market share. Competitors include JP Morgan Chase (JPM), Bank of America (BAC), and Wintrust Financial (WTFC).

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently facing a mixed environment with rising interest rates, inflation, and increasing regulatory scrutiny. Competition remains intense, with pressure on net interest margins.

Positioning

Byline Bancorp Inc. is positioned as a community-focused bank with a strong presence in the Chicago metropolitan area. Its competitive advantages include local market knowledge and strong relationships with small and medium-sized businesses.

Total Addressable Market (TAM)

The total addressable market for banking services in the Chicago metropolitan area is substantial, estimated to be in the billions of dollars. Byline is well positioned to serve the market due to local expertise and focuses on small-to-medium sized businesses and consumer retail banking.

Upturn SWOT Analysis

Strengths

  • Strong local market knowledge
  • Experienced management team
  • Diversified revenue streams
  • Strong relationships with small and medium-sized businesses

Weaknesses

  • Geographic concentration in the Chicago metropolitan area
  • Limited brand recognition outside of Chicago
  • Higher cost structure compared to larger banks
  • Dependence on commercial real estate lending

Opportunities

  • Expansion into new markets
  • Increased adoption of digital banking
  • Acquisitions of smaller banks
  • Growth in wealth management services

Threats

  • Rising interest rates
  • Increased regulatory scrutiny
  • Competition from larger banks and fintech companies
  • Economic downturn in the Chicago metropolitan area

Competitors and Market Share

competitor logo Key Competitors

  • WTFC
  • MBWM
  • HFWA
  • TCBI
  • CMA

Competitive Landscape

Byline has a strong local presence in the Chicago area and focuses on SMEs. WTFC and MBWM are regional competitors. HFWA, TCBI and CMA are larger entities with operations nationwide.

Major Acquisitions

First Bank & Trust

  • Year: 2018
  • Acquisition Price (USD millions): 78
  • Strategic Rationale: Expanded Byline's presence in the Chicago metropolitan area and increased its deposit base.

Growth Trajectory and Initiatives

Historical Growth: Byline Bancorp Inc. has grown through organic expansion and strategic acquisitions.

Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion in the Chicago metropolitan area and increased adoption of digital banking.

Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion of wealth management services, and strategic acquisitions.

Summary

Byline Bancorp is a Chicago-focused community bank with strengths in local relationships and commercial lending. Its geographic concentration and cost structure present challenges. Growth opportunities include digital banking and strategic acquisitions. The company needs to watch out for rising interest rates and competition from larger banks.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings
  • Market research reports
  • Analyst estimates

Disclaimers:

This analysis is based on available information and is not financial advice. Market conditions and company performance can change, affecting the accuracy of the analysis.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 1017

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.