📊 BY Key Takeaways
Is Byline Bancorp, Inc.. (BY) a Good Investment?
Byline Bancorp demonstrates strong revenue growth (+48.5% YoY) and excellent margins (35.1% operating, 26.5% net), but is plagued by severely depressed returns on equity (2.9%) and assets (0.4%) that are well below banking industry standards, suggesting critical capital deployment inefficiency. The 0.5x interest coverage ratio compounds concerns about underlying asset quality and sustainability of profitability.
Byline Bancorp shows solid core fundamentals with strong revenue growth, healthy operating and net margins, and bank-level returns that are respectable at 1.3% ROA and 10.3% ROE. Cash generation is strong relative to revenue, but the gap between revenue growth and net income growth suggests some pressure from funding costs, credit expenses, or mix shift, so the story is good rather than flawless.
Byline Bancorp, Inc.. Key Strengths (BY)
- Robust revenue growth of 48.5% year-over-year demonstrates market traction and expansion
- Strong operating and net profit margins (35.1% and 26.5%) indicate operational efficiency at the segment level
- Healthy free cash flow generation ($54.1M) with 38.2% FCF margin provides financial flexibility
- Strong revenue growth of 48.5% year over year
- Healthy profitability with 30.3% operating margin and 22.7% net margin
- Robust cash generation with $136.32M of free cash flow and a 23.8% FCF margin
BY Stock Risks: Byline Bancorp, Inc.. Investment Risks
- ROE of 2.9% is critically low for a bank and indicates poor returns on shareholder capital relative to equity deployed
- ROA of 0.4% falls significantly short of banking industry norms (0.8%+), suggesting asset quality or yield issues
- Interest coverage ratio of 0.5x indicates potential difficulty in servicing interest obligations from operating earnings
- Net income growth of 7.7% lagged far behind revenue growth, which may indicate weaker growth quality
- Interest coverage of 1.6x is thin and suggests limited cushion if funding costs stay elevated
- Relatively modest cash balance versus total assets reduces liquidity flexibility in a stressed environment
Key Metrics to Watch
- Return on Equity and Return on Assets trends - must improve toward industry benchmarks
- Net Interest Margin and loan portfolio composition to assess asset quality
- Operating efficiency ratio and cost-to-income trends given the revenue growth trajectory
- Net interest margin and deposit/funding costs
- Credit quality trends including nonperforming assets and provision expense
Byline Bancorp, Inc.. (BY) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 38.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BY Profit Margin, ROE & Profitability Analysis
BY vs Finance Sector: How Byline Bancorp, Inc.. Compares
How Byline Bancorp, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Byline Bancorp, Inc.. Stock Overvalued? BY Valuation Analysis 2026
Based on fundamental analysis, Byline Bancorp, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Byline Bancorp, Inc.. Balance Sheet: BY Debt, Cash & Liquidity
BY Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Byline Bancorp, Inc..'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.67 reflects profitable operations.
BY Revenue Growth, EPS Growth & YoY Performance
Byline Bancorp, Inc.. Dividends, Buybacks & Capital Allocation
BY SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Byline Bancorp, Inc.. (CIK: 0001702750)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BY
What is the AI rating for BY?
Byline Bancorp, Inc.. (BY) has a Combined AI Grade of B from Claude (C) and ChatGPT (A) with 73% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BY's key strengths?
Claude: Robust revenue growth of 48.5% year-over-year demonstrates market traction and expansion. Strong operating and net profit margins (35.1% and 26.5%) indicate operational efficiency at the segment level. ChatGPT: Strong revenue growth of 48.5% year over year. Healthy profitability with 30.3% operating margin and 22.7% net margin.
What are the risks of investing in BY?
Claude: ROE of 2.9% is critically low for a bank and indicates poor returns on shareholder capital relative to equity deployed. ROA of 0.4% falls significantly short of banking industry norms (0.8%+), suggesting asset quality or yield issues. ChatGPT: Net income growth of 7.7% lagged far behind revenue growth, which may indicate weaker growth quality. Interest coverage of 1.6x is thin and suggests limited cushion if funding costs stay elevated.
What is BY's revenue and growth?
Byline Bancorp, Inc.. reported revenue of $141.7M.
Does BY pay dividends?
Byline Bancorp, Inc.. pays dividends, with $5.4M distributed to shareholders in the trailing twelve months.
Where can I find BY SEC filings?
Official SEC filings for Byline Bancorp, Inc.. (CIK: 0001702750) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BY's EPS?
Byline Bancorp, Inc.. has a diluted EPS of $0.83.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is BY's fundamental grade?
Based on our AI fundamental analysis in June 2026, Byline Bancorp, Inc.. has a B grade with 73% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is BY stock overvalued or undervalued?
Valuation metrics for BY: ROE of 2.9% (sector avg: 12%), net margin of 26.5% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is BY's AI grade for 2026?
Our dual AI analysis gives Byline Bancorp, Inc.. a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is BY's free cash flow?
Byline Bancorp, Inc..'s operating cash flow is $54.6M, with capital expenditures of $458.0K. FCF margin is 38.2%.
How does BY compare to other Finance stocks?
Vs Finance sector averages: Net margin 26.5% (avg: 25%), ROE 2.9% (avg: 12%), current ratio N/A (avg: 1.2).