📊 BY Key Takeaways
Is Byline Bancorp, Inc.. (BY) a Good Investment?
Byline Bancorp demonstrates solid fundamental strength with robust revenue growth of 48.5% YoY and healthy profitability margins (22.7% net margin). The bank maintains a strong balance sheet with minimal leverage (0.00x debt/equity) and generates substantial free cash flow of $136.3M, supporting operational resilience and capital deployment capacity.
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.
Why Buy Byline Bancorp, Inc.. Stock? BY Key Strengths
- Exceptional revenue growth of 48.5% YoY indicating strong loan origination and fee income generation
- Healthy net profit margin of 22.7% with substantial operating income of $173.3M demonstrating operational efficiency
- Strong balance sheet with zero long-term debt and positive equity of $1.3B providing financial flexibility
- Robust free cash flow generation of $136.3M (23.8% FCF margin) enabling dividends and potential growth investments
- Significant insider activity with 17 Form 4 filings in 90 days suggesting management confidence
- 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
- Low interest coverage ratio of 1.6x indicates limited cushion for covering interest obligations if revenue declines
- Modest ROE of 10.3% and ROA of 1.3% are below peer benchmarks for commercial banks, suggesting suboptimal capital efficiency
- Asset quality and loan loss reserves not disclosed; credit risk exposure during economic slowdown unclear
- EPS growth of only 5.1% YoY significantly lags revenue growth of 48.5%, indicating margin compression or higher share count dilution
- Cash position of $149.1M is relatively modest given $9.7B in total assets, limiting immediate liquidity buffer
- 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
- Net interest margin trend and deposit composition to assess core profitability sustainability
- Loan loss reserve adequacy and non-performing asset ratios to evaluate credit quality
- ROE and ROAA progression toward industry benchmarks indicating capital deployment efficiency improvements
- Deposit growth and funding costs amid rising rate environment affecting net interest income
- Operating leverage from revenue growth translating to bottom-line earnings expansion
- 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 23.8% 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
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 16, 2026 | 4 | xslF345X05/form4-03162026_080311.xml | View → |
| Mar 2, 2026 | 4 | xslF345X05/form4-03022026_060301.xml | View → |
| Feb 27, 2026 | 10-K | by-20251231.htm | View → |
| Feb 24, 2026 | 4 | xslF345X05/form4-02252026_120205.xml | View → |
| Feb 24, 2026 | 4 | xslF345X05/form4-02252026_120229.xml | View → |
❓ Frequently Asked Questions about BY
What is the AI rating for BY?
Byline Bancorp, Inc.. (BY) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 73% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BY's key strengths?
Claude: Exceptional revenue growth of 48.5% YoY indicating strong loan origination and fee income generation. Healthy net profit margin of 22.7% with substantial operating income of $173.3M demonstrating operational efficiency. 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: Low interest coverage ratio of 1.6x indicates limited cushion for covering interest obligations if revenue declines. Modest ROE of 10.3% and ROA of 1.3% are below peer benchmarks for commercial banks, suggesting suboptimal capital efficiency. 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 $572.2M.
Does BY pay dividends?
Byline Bancorp, Inc.. pays dividends, with $18.2M 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 $2.89.
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 rating reflects both perspectives for balanced insights.
Is BY a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Byline Bancorp, Inc.. has a BUY rating with 73% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is BY stock overvalued or undervalued?
Valuation metrics for BY: ROE of 10.3% (sector avg: 12%), net margin of 22.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BY stock in 2026?
Our dual AI analysis gives Byline Bancorp, Inc.. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BY's free cash flow?
Byline Bancorp, Inc..'s operating cash flow is $140.3M, with capital expenditures of $4.0M. FCF margin is 23.8%.
How does BY compare to other Finance stocks?
Vs Finance sector averages: Net margin 22.7% (avg: 25%), ROE 10.3% (avg: 12%), current ratio N/A (avg: 1.2).