Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BY
BuyPremium GrowerFLAGByline Bancorp, Inc. · Financial Services · United States · $1.7B · Avg Vol: $10M/d
Byline Bancorp has quality Q62 and strong momentum M74 with a buyback retiring 0.76% of shares, but value at V42 is below the calibrated floor, so stage one fails. The insider buying rounds to 0.00% and is unusable.
COMPANY DESCRIPTION
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% | 434.5M | 460.1M | 474.8M | 3.7% |
| EPS | 2.37 | 2.69 | 2.78 | 2.90 | 7.0% | 3.32 | 3.27 | 3.30 | 6.7% |
| Shares | 37.5M | 43.8M | 44.5M | 45.5M | +21.5% | 45.2M | — | — | — |
| Debt | 750.4M | 513.2M | 742.5M | 495.2M | -12.9% | 627.1M | — | — | — |
| Equity | 765.8M | 990.2M | 1.1B | 1.3B | 18.3% | — | — | — | — |
| Op CF | 220.3M | 166.1M | 175.2M | 140.3M | -14.0% | 164.7M | — | — | — |
| Inv CF | -819.9M | -336.2M | -330.9M | -223.6M | — | — | — | — | — |
| Fin CF | 620.9M | 217.0M | 492.8M | -330.8M | — | — | — | — | — |
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 | 73 | Buy |
| GABC | German American Bancorp, Inc. | $1.9B | 72 | Buy |
| OBK | Origin Bancorp, Inc. | $1.6B | 70 | Buy |
| PEBO | Peoples Bancorp Inc. | $1.4B | 74 | Buy |
| FCF | First Commonwealth Financial Corporation | $2.1B | 72 | Buy |
| NWBI | Northwest Bancshares, Inc. | $2.2B | 73 | Buy |
| SRCE | 1st Source Corporation | $2.1B | 75 | Buy |
| DCOM | Dime Commercial Bancshares, Inc. | $1.8B | 68 | Buy |
| FMBH | First Mid Bancshares, Inc. | $1.3B | 71 | Buy |
| STBA | S&T Bancorp, Inc. | $1.8B | 66 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%