BY
BuyPremium GrowerAI neutralByline Bancorp, Inc. · Financial Services · United States · $1.7B cap · $9.7M/day traded
$38.40 -0.0% · close 26 Oct · scored 27 Oct
Premium Grower: Strong business with the market behind it, priced at a premium.
Reported 22 Oct: the next-year EPS estimate rose 0.7% across the report (snapshots of 18 Oct and 25 Oct).
As of 27 Oct 2026, MoatMap's StockRank for Byline Bancorp, Inc. (BY) is 79/100, ranked against 24,000+ stocks in 35 markets (Quality 64, Value 40, Momentum 72, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Byline Bancorp is a Chicago commercial bank focused on small business and SBA lending, which reported record net income in the second quarter of 2026 and is buying back shares. Higher-for-longer rates support its net interest income. Against that, insiders sold about 1.38% of shares outstanding in the last 90 days, and a regional bank with commercial real estate and small-business exposure is not a structurally advantaged business.
ABOUT BYLINE BANCORP, INC.
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Byline Bancorp, Inc. is the bank holding company for Byline Bank, a full-service commercial bank providing a comprehensive range of banking products and services to businesses and consumers primarily in the Chicago metropolitan area. The bank's competitive advantage lies in its strong local market presence and relationship-based banking approach, particularly within small business lending and specialized financing. BY is a regional bank focused on organic growth and strategic acquisitions within its economically vibrant core market.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 320.2M | 383.6M | 403.5M | 441.5M | 11.3% | 438.3M | 462.8M | 500.7M | 6.5% |
| EPS | 2.37 | 2.69 | 2.78 | 2.90 | 7.0% | 3.32 | 3.34 | 3.46 | 9.3% |
| Shares | 37.5M | 43.8M | 44.5M | 45.5M | +21.5% | 44.7M | — | — | — |
| Debt | 750.4M | 513.2M | 742.5M | 495.2M | -12.9% | 418.6M | — | — | — |
| Equity | 765.8M | 990.2M | 1.1B | 1.3B | 18.3% | — | — | — | — |
| Op CF | 220.3M | 166.1M | 175.2M | 140.3M | -14.0% | 140.3M | — | — | — |
| Inv CF | -819.9M | -336.2M | -330.9M | -223.6M | — | — | — | — | — |
| Fin CF | 620.9M | 217.0M | 492.8M | -330.8M | — | — | — | — | — |
Above its 200-day average and 4% below its 52-week high.
Calmer than 90% of stocks we rank over the past year (21% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BY are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BY | Byline Bancorp, Inc.(you) | $1.7B | 79 | Buy |
| STBA | S&T Bancorp, Inc. | $1.8B | 76 | Buy |
| GABC | German American Bancorp, Inc. | $1.9B | 76 | Buy |
| DCOM | Dime Commercial Bancshares, Inc. | $1.9B | 76 | Buy |
| SRCE | 1st Source Corporation | $2.1B | 77 | Buy |
| TMP | Tompkins Financial Corporation | $1.5B | 81 | Strong Buy |
| NWBI | Northwest Bancshares, Inc. | $2.3B | 78 | Buy |
| OFG | OFG Bancorp | $2.2B | 82 | Strong Buy |
| OSBC | Old Second Bancorp, Inc. | $1.2B | 79 | Buy |
| FMBH | First Mid Bancshares, Inc. | $1.3B | 76 | Buy |
Peer medians: ROE 9.6% · P/E 13.0x · Gross margin 75.4%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.