Companies ›Financials ›BY

BY — NYSE Banks

Byline Bancorp, Inc.

$39,64

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Last 30 days

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Mcap

1,8B USD

P/E

13,4x

EV / Rev

—

Div yield

1,04 %

Op margin

—

ROE

2,9 %

Net margin

—

Debt / equity

—

Beta

—

52w range

—

Volume

—

Day range

—

Prev close

$37,64

Open

—

Next earnings

2026-10-28

Ex-dividend

—

TR 1Y

—

About

BYLINE BANCORP, INC. is classified under Financials / Banks and appears profitable on the latest normalized snapshot.

Business. BYLINE BANCORP, INC. (NYSE: BY) is a commercial bank headquartered in the United States that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. Specific details regarding operating segments and geographic mix are not provided in the available data.

Classification98 %

SectorFinancials

Business sectorBanking & Investment Services

Industry groupBanking Services

IndustryBanks

ActivityCommercial Banks

Generated · rules-based

Sell-side consensus

BUY6 analysts

3 buy3 hold0 sell

Avg 12m price target39,00

Analyst recommendations

6 analysts · consensus Buy

Buy3

Hold3

Sell0

12-month price target

39,00

Consensus of sell-side coverage.

Upcoming events

EarningsQ3 2026 earnings (expected)2026-10-28 · estimated

See all catalysts →

At a glance

Score

—

not yet scored

6 analysts · indicative

Ownership→

Dimensional Fund Advisors, L.P.

largest disclosed fund holder

Profitability→

2,9 %

return on equity

Quality

—

not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning BY.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to BY. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

BYLINE BANCORP, INC. (NYSE: BY) is a commercial bank headquartered in the United States that operates within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. Specific details regarding operating segments and geographic mix are not provided in the available data.

Classification98 %

SectorFinancials

Business sectorBanking & Investment Services

Industry groupBanking Services

IndustryBanks

ActivityCommercial Banks

AI synthesis

GENERATED

BYLINE BANCORP, INC. (BY) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 9,909,680,000 USD, total equity 1,280,292,000, short-term debt 0, long-term debt 0. Net cash position is approximately 198,368,000 USD. Self-calculated market cap is 1,738,768,034 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 0, gross profit 0, operating income 0, net income 37,579,000. Return on equity ~2.9%. Return on assets ~0.4%. Operating-cash-flow to net-income ratio is 1.45. Risk profile from automated assessment: liquidity risk low, dilution risk medium. Flags: Source documents mention dilution or offering risk.. Recent news context: [TRIGGER] 8-K: 8-K (sec_8k_material) on BY — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0001193125-26-314126). Additional context: 8-K: filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup, JPM.N, BAC.O.

Key takeaways

Observed GAAP P/E is about 46.27x.
Return on equity is about 2.9%.
Debt to equity is about 0.0x.
[TRIGGER] 8-K: 8-K (sec_8k_material) on BY — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0001193125-26-314126)
Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
Companyfacts coverage was partial; recent filing facts backfilled short_term_debt.

Bull / Bear case

Generated · model-assisted

BULL CASE · 5

Net income grew at a 5.8% compound annual rate from FY2023 to FY2025, demonstrating consistent profitability expansion.

The company trades at a 1.57x price-to-book multiple, indicating a premium valuation relative to its tangible book value.

Cash conversion of 1.45 exceeds the bank cohort median of 1.15, highlighting superior cash generation efficiency.

Total assets grew at a 3.4% compound annual rate over five years, reflecting steady balance sheet expansion.

Equity grew at a 5.0% compound annual rate over five years, supporting capital base stability.

BEAR CASE · 5

Return on equity of 2.94% is significantly below the bank cohort median of 6.1%, indicating poor capital efficiency.

Net income declined 7.1% year-over-year in FY2025, signaling a recent deterioration in profitability trends.

Equity decreased 13.9% year-over-year in FY2025, suggesting significant erosion in the company's capital base.

Total assets contracted 1.6% year-over-year in FY2025, marking a reversal in previous balance sheet growth.

Return on assets of 0.38% remains low, reflecting limited ability to generate profit from total assets.

In focus — financials by report

Quarterly

Annual

QUARTERLYFiled 2026-03-31

Q4 2025 · Quarter highlights

Revenue—

Operating income—

Net income$37.6M

Free cash flow$54.1M

EPS—

Operating cash flow$54.6M

Financials

Income statement

Revenue—

Gross profit—

Operating income—

Net income$37.6M

Balance sheet

Total assets$9.91B

Total liabilities$8.63B

Total equity$1.28B

Cash & equivalents$198.4M

Long-term debt—

Cash flow

Operating cash flow$54.6M

CapEx$458.0k

Free cash flow$54.1M

SBC$2.2M

Valuation FY

Market price

$39,64

Market cap

$1.74B

Enterprise valueⓘ

$1.54B

P/Eⓘ

13.4x

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

28.2x

P / Bⓘ

1.6x

P / Tangible bookⓘ

1.6x

Tangible book

$1.08B

Net cashⓘ

$198.4M

Current ratioⓘ

—

Debt / equityⓘ

—

ROAⓘ

0.4%

ROEⓘ

2.9%

Cash conversionⓘ

145.0%

CapEx / revenueⓘ

—

SBC / revenueⓘ

—

Dilution ratioⓘ

-0.9%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Consensus distribution

sell-side coverage

Recommendation distribution5 analysts

Strong buy0

Buy3

Hold2

Sell0

Strong sell0

12-month price target$36,80 · Median $36,00

Low $34,00High $40,00

Operating income · consensus228,3M USD

EPS surprise

−10,3 %

reported vs consensus · miss

Revenue surprise

−3,9 %

reported vs consensus · miss

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

Low$37,00

Mean$39,00

Median$39,00

High$40,00

Spot$39,64

−1.6 %implied to mean12-month sell-side price targets · ▲ spot

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskMedium

Liquidity riskLow

Filing-based flags

Source documents mention dilution or offering risk.

Benchmarks vs cohort

ROE2,9 %Below median

D/E0,00Above median

Cash Conv1,45Above median

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Regulatory filings
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data
Reference data

How metrics are computed

Price To Tangible Book
market_price / (tangible_book_value / shares_outstanding_diluted)
Price To Book
market_price / (adjusted_book_value / shares_outstanding_diluted)
Return On Equity
net_income / total_equity
Enterprise Value
market_cap - net_cash
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Market Price
input from market-data provider (delayed close or quote-shim mid)

Source documents

BYLINE BANCORP, INC. company facts · 2026-07-26
BYLINE BANCORP, INC. 10-Q 2026-05-01 · 2026-07-26
BYLINE BANCORP, INC. 10-K 2026-02-27 · 2026-07-26
BYLINE BANCORP, INC. 10-Q 2025-11-07 · 2026-07-26
BYLINE BANCORP, INC. 10-Q 2025-08-07 · 2026-07-26
8-K (sec_8k_material) on BY · 2026-07-26
Byline Bancorp Inc Market data — analyst estimates · 2026-07-26
Byline Bancorp Inc Market data — ESG · 2026-07-26
BYLINE BANCORP, INC. HA canonical relationships · 2026-07-26

Ownership & reference

Top holders

Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,02 %$75M
American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,01 %$29M
T. Rowe Price Investment Management, Inc.Investment Managers · as of 2026-03-310,01 %$0M
AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,01 %$21M
Wellington Management Company, LLPInvestment Managers · as of 2026-03-310,01 %$32M
Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$9M
First Trust Advisors L.P.Investment Managers · as of 2026-03-310,00 %$3M
BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,00 %$69M
Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,00 %$25M
FMR LLCInstitutional Investor · as of 2026-03-310,00 %$26M
Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,00 %$8M
Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,00 %$9M
Arrowstreet Capital, Limited PartnershipInvestment Managers · as of 2026-03-310,00 %$2M
State Street Investment Management (US)Investment Managers · as of 2026-03-310,00 %$33M
Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,00 %$8M
Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,00 %$5M
UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$5M
AllianceBernstein L.P.Investment Managers · as of 2026-03-310,00 %$3M
Franklin Advisers, Inc.Investment Managers · as of 2026-03-310,00 %$3M
Principal Global Investors (Equity)Investment Managers · as of 2026-03-310,00 %$1M
Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,00 %$53M
Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,00 %$9M
AMERIPRISE FINANCIAL INCInstitutional Investor · as of 2026-03-310,00 %$2M
PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$1M
JANUS HENDERSON GROUP PLCInstitutional Investor · as of 2026-03-310,00 %$1M
Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$1M
Invesco QQQ TrustFunds · as of 2026-03-310,00 %$2M
T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M
JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$0M

Insider activity

Net selling5 buys · 3 sellsnet -$731K18 insiders · last 365d

SACRISTAN CARLOS RUIZDirector · Common StockOther 1 533 · 2026-06-08
Hugues Velez MargaritaDirector · Common StockOther 1 533 · 2026-06-08
Hugues Velez MargaritaDirector · Common StockOther 530 @ $33,41$18K · 2026-06-02
KISTNER WILLIAM GDirector · Common stockBought 100 @ $31,97$3K · 2026-05-04
ABRAHAM THOMASPRESIDENT, SBC · Comon stockOther 2 406 · 2026-04-16
HERSETH MARY JO S.Director · Common stockBought 300 @ $30,83$9K · 2026-03-16
Barkidjija JohnHEAD OF CRE & SPECIALTY FIN · Common stockSold 4 509 @ $32,33$146K · 2026-02-26
Mando NicolasCHIEF TECHNOLOGY & OPERATIONS · Common stockOther 2 231 · 2026-02-22
Mando NicolasCHIEF TECHNOLOGY & OPERATIONS · Common stockOther 772 @ $33,13$26K · 2026-02-22
Mando NicolasCHIEF TECHNOLOGY & OPERATIONS · Common stockOther 1 704 · 2026-02-22
Mando NicolasCHIEF TECHNOLOGY & OPERATIONS · Common stockOther 636 @ $33,13$21K · 2026-02-22
Fucinato MarkCHIEF CREDIT OFFICER · Common stockOther 3 948 · 2026-02-22
Fucinato MarkCHIEF CREDIT OFFICER · Common stockOther 1 419 @ $33,13$47K · 2026-02-22
Fucinato MarkCHIEF CREDIT OFFICER · Common stockOther 2 293 · 2026-02-22
Fucinato MarkCHIEF CREDIT OFFICER · Common stockOther 934 @ $33,13$31K · 2026-02-22
Paracchini Alberto JDirector, PRESIDENT · Common stockOther 11 303 · 2026-02-22
Paracchini Alberto JDirector, PRESIDENT · Common stockOther 3 415 @ $33,13$113K · 2026-02-22
Paracchini Alberto JDirector, PRESIDENT · Common stockOther 8 029 · 2026-02-22
Paracchini Alberto JDirector, PRESIDENT · Common stockOther 2 743 @ $33,13$91K · 2026-02-22
HERENCIA ROBERTO RDirector, CHIEF EXECUTIVE OFFICER · Common stockOther 24 809 · 2026-02-22
HERENCIA ROBERTO RDirector, CHIEF EXECUTIVE OFFICER · Common stockOther 7 289 @ $33,13$241K · 2026-02-22
HERENCIA ROBERTO RDirector, CHIEF EXECUTIVE OFFICER · Common stockOther 29 870 · 2026-02-22
HERENCIA ROBERTO RDirector, CHIEF EXECUTIVE OFFICER · Common stockOther 9 898 @ $33,13$328K · 2026-02-22
Rose DanaCHIEF HUMAN RESOURCES OFFICER · Common stockOther 3 291 · 2026-02-22
Rose DanaCHIEF HUMAN RESOURCES OFFICER · Common stockOther 1 139 @ $33,13$38K · 2026-02-22

Short positioning

972.1Kshares short+23.2% vs prior

3.05days to cover

57.0%short of daily vol

5fails-to-deliver

as of 2026-07-15 · short-interest report (free)

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

BYCanonical

NYSE · USD

Intel & risk

What changed

no material change vs prior analysis (walked 17 fields; 4 schema-expansion field(s) excluded)

Narrative— → —medium
Conclusion— → —medium
Key takeaways— → —medium

vs prior analysis 1 day ago

peak dispatch · —

OSINT findings

Dilution riskMedium

Liquidity riskLow

Source documents mention dilution or offering risk.

Relationship graph

This companyPeerSector

Evidence & claims

From filings & derived data

EPS (basic) (annual): USD-PER-SHARES 3Unknown
Total liabilities (annual): USD 8.38BUnknown
Pre-tax income (annual): USD 173.25MUnknown
Operating cash flow (annual): USD 140.32MUnknown
Total assets (annual): USD 9.65BUnknown
Shares outstanding (annual): 45.55MUnknown
Shareholders' equity (annual): USD 1.27BUnknown
EPS (diluted) (annual): USD-PER-SHARES 3Unknown
Cash & equivalents (annual): USD 149.09MUnknown
Net income (annual): USD 130.1MUnknown
Capex (annual): USD 4MUnknown
Pre-tax income (annual): USD 161.08MUnknown
Operating cash flow (annual): USD 175.16MUnknown
Total liabilities (annual): USD 8.41BUnknown
Net income (annual): USD 120.8MUnknown
Shareholders' equity (annual): USD 1.09BUnknown
Capex (annual): USD 3.99MUnknown
Total assets (annual): USD 9.5BUnknown
Cash & equivalents (annual): USD 563.14MUnknown
Shares outstanding (annual): 44.46MUnknown

Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

The Thread

Everything we know, in order

2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date

2026-07-24 07:41 UTCEVENTEarnings Window

2026-07-24 04:31 UTCFILINGMaterial 8-K

2026-07-24EVENTQ2 2026 earnings (confirmed · filed)

2026-07-23 00:00 UTCTRANSCRIPTEarnings call — Q3 2026

2026-06-08 00:00 UTCINSIDER3 insider transactions — 2026-06

2026-06-08INSIDERSACRISTAN CARLOS RUIZ transacted 1.5k sh — Director

2026-06-08INSIDERHugues Velez Margarita transacted 1.5k sh — Director

2026-06-03FILING8-K filing →

2026-06-02INSIDERHugues Velez Margarita transacted 530 sh — Director ~$18k

2026-05-22FILING8-K filing →

2026-05-04 00:00 UTCINSIDER1 insider transaction — 2026-05

2026-05-04INSIDERKISTNER WILLIAM G bought 100 sh — Director ~$3k

2026-05-01FILING10-Q filing →

2026-04-23FILING8-K filing →

2026-04-20FILINGDEF 14A filing →

2026-04-16 00:00 UTCINSIDER1 insider transaction — 2026-04

2026-04-16INSIDERABRAHAM THOMAS transacted 2.4k sh Comon stock — PRESIDENT, SBC

2026-03-31EARNINGSQuarterly results — Q4 2025 Net USD 37.6M

2026-03-16 00:00 UTCINSIDER1 insider transaction — 2026-03

2026-03-16INSIDERHERSETH MARY JO S. bought 300 sh — Director ~$9k

2026-02-27FILING10-K filing →

2026-02-26 00:00 UTCINSIDER47 insider transactions — 2026-02 · net sell $1.6M

2026-02-26INSIDERBarkidjija John sold 4.5k sh — HEAD OF CRE & SPECIALTY FIN ~$146k

2026-02-22INSIDERMando Nicolas transacted 2.2k sh — CHIEF TECHNOLOGY & OPERATIONS

2026-02-22INSIDERMando Nicolas transacted 772 sh — CHIEF TECHNOLOGY & OPERATIONS ~$26k

2026-02-22INSIDERMando Nicolas transacted 1.7k sh — CHIEF TECHNOLOGY & OPERATIONS

2026-02-22INSIDERMando Nicolas transacted 636 sh — CHIEF TECHNOLOGY & OPERATIONS ~$21k

2026-02-22INSIDERFucinato Mark transacted 3.9k sh — CHIEF CREDIT OFFICER

2026-02-22INSIDERFucinato Mark transacted 1.4k sh — CHIEF CREDIT OFFICER ~$47k

2026-02-22INSIDERFucinato Mark transacted 2.3k sh — CHIEF CREDIT OFFICER

2026-02-22INSIDERFucinato Mark transacted 934 sh — CHIEF CREDIT OFFICER ~$31k

2026-02-22INSIDERParacchini Alberto J transacted 11.3k sh — Director, PRESIDENT

2026-02-22INSIDERParacchini Alberto J transacted 3.4k sh — Director, PRESIDENT ~$113k

2026-02-22INSIDERParacchini Alberto J transacted 8.0k sh — Director, PRESIDENT

2026-02-22INSIDERParacchini Alberto J transacted 2.7k sh — Director, PRESIDENT ~$91k

2026-02-22INSIDERHERENCIA ROBERTO R transacted 24.8k sh — Director, CHIEF EXECUTIVE OFFICER

2026-02-22INSIDERHERENCIA ROBERTO R transacted 7.3k sh — Director, CHIEF EXECUTIVE OFFICER ~$241k

2026-02-22INSIDERHERENCIA ROBERTO R transacted 29.9k sh — Director, CHIEF EXECUTIVE OFFICER

2026-02-22INSIDERHERENCIA ROBERTO R transacted 9.9k sh — Director, CHIEF EXECUTIVE OFFICER ~$328k

Showing the 40 most recent of 57 entries.

The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage

Analyst recommendations

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation FY

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Consensus distribution

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Top holders

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread