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Byline Bancorp, Inc. BY

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Price alert · BY

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39.08 USD +0.58 +1.51%

At close · Nov 2

39.08 0.00 0.00%

After hours · Nov 2, 4:01 PM ET

Bid
39.08 × 300
Ask
39.21 × 100
38.84 Day range 39.57
26.42 52-week range 40.03
YTD
+34.07%
1 year
+46.15%
Open
38.85
Prev close
38.50
Mkt cap
1.75B
Vol
179.57K
Avg vol
250.65K
EPS
3.32
P/E
11.77
Div yield
1.45%
More statistics
Low
38.84
High
39.57
Forward P/E
10.88
Beta
0.72
Short ratio
5.46
Inst. own
57.46%
Dividend
0.56
Ex-div date
Nov 2, 2026
Earnings
Jan 28, 2027
50-d avg
37.72
200-d avg
35.00
1y target
43.80

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Financial health

Altman Z-Score

-0.40 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 10.1×
FY 2016: 7.4×FY 2017: 58.9×FY 2018: 13.8×FY 2019: 13.0×FY 2020: 16.1×FY 2021: 11.2×FY 2022: 9.7×FY 2023: 8.8×FY 2024: 10.4×FY 2025: 10.1×
FY 2016 5y median 10.1× FY 2025
P/S 2.1×
FY 2016: 4.1×FY 2017: 3.4×FY 2018: 2.2×FY 2019: 2.3×FY 2020: 2.0×FY 2021: 3.3×FY 2022: 2.4×FY 2023: 1.8×FY 2024: 2.0×FY 2025: 2.1×
FY 2016 5y median 2.1× FY 2025
P/B 1.0×
FY 2016: 1.3×FY 2017: 1.4×FY 2018: 0.9×FY 2019: 1.0×FY 2020: 0.7×FY 2021: 1.2×FY 2022: 1.1×FY 2023: 1.0×FY 2024: 1.2×FY 2025: 1.0×
FY 2016 5y median 1.1× FY 2025
P/FCF 9.6×
FY 2016: -289×FY 2017: 25.5×FY 2018: 7.2×FY 2019: 29.1×FY 2020: 5.6×FY 2021: 14.2×FY 2022: 3.9×FY 2023: 5.8×FY 2024: 7.4×FY 2025: 9.6×
FY 2016 5y median 7.4× FY 2025
EV/EBITDA 9.7×
FY 2016: 61.0×FY 2017: 20.0×FY 2018: 15.2×FY 2019: 14.7×FY 2020: 15.3×FY 2021: 11.6×FY 2022: 12.1×FY 2023: 8.5×FY 2024: 8.9×FY 2025: 9.7×
FY 2016 5y median 9.7× FY 2025
EV/Sales 2.9×
FY 2016: 6.9×FY 2017: 5.4×FY 2018: 3.7×FY 2019: 3.9×FY 2020: 3.0×FY 2021: 4.8×FY 2022: 4.0×FY 2023: 2.4×FY 2024: 2.4×FY 2025: 2.9×
FY 2016 5y median 2.9× FY 2025
FCF Yield 10.4%
FY 2016: -0.3%FY 2017: 3.9%FY 2018: 13.9%FY 2019: 3.4%FY 2020: 17.9%FY 2021: 7.0%FY 2022: 25.5%FY 2023: 17.2%FY 2024: 13.6%FY 2025: 10.4%
FY 2016 5y median 13.6% FY 2025

Profitability

Gross Margin 66.1%
FY 2016: 85.0%FY 2017: 85.5%FY 2018: 81.2%FY 2019: 77.8%FY 2020: 72.4%FY 2021: 95.7%FY 2022: 83.1%FY 2023: 66.1%FY 2024: 60.6%FY 2025: 66.1%
FY 2016 5y median 66.1% FY 2025
Operating Margin 29.1%
FY 2016: 4.5%FY 2017: 22.4%FY 2018: 22.2%FY 2019: 24.8%FY 2020: 17.6%FY 2021: 39.3%FY 2022: 32.2%FY 2023: 27.4%FY 2024: 25.9%FY 2025: 29.1%
FY 2016 5y median 29.1% FY 2025
Net Margin 20.7%
FY 2016: 55.4%FY 2017: 11.9%FY 2018: 16.5%FY 2019: 18.3%FY 2020: 12.8%FY 2021: 29.3%FY 2022: 24.7%FY 2023: 20.3%FY 2024: 19.4%FY 2025: 20.7%
FY 2016 5y median 20.7% FY 2025
ROE 10.3%
FY 2016: 17.4%FY 2017: 4.7%FY 2018: 6.3%FY 2019: 7.6%FY 2020: 4.7%FY 2021: 11.1%FY 2022: 11.5%FY 2023: 10.9%FY 2024: 11.1%FY 2025: 10.3%
FY 2016 5y median 11.1% FY 2025
ROIC -4.6%
FY 2016: 0.7%FY 2017: 2.5%FY 2018: 3.6%FY 2019: 4.3%FY 2020: 2.4%FY 2021: 6.3%FY 2022: 5.7%FY 2023: 6.4%FY 2024: 6.0%FY 2025: -4.6%
FY 2016 5y median 6.0% FY 2025
ROA 1.3%
FY 2016: 2.0%FY 2017: 0.6%FY 2018: 0.8%FY 2019: 1.0%FY 2020: 0.6%FY 2021: 1.4%FY 2022: 1.2%FY 2023: 1.2%FY 2024: 1.3%FY 2025: 1.3%
FY 2016 5y median 1.3% FY 2025

Growth (YoY)

Revenue 1.3%
FY 2016: 25.1%FY 2017: 51.3%FY 2018: 37.1%FY 2019: 24.6%FY 2020: -5.8%FY 2021: 7.7%FY 2022: 12.8%FY 2023: 49.4%FY 2024: 16.7%FY 2025: 1.3%
FY 2016 FY 2025
Operating Income 13.6%
FY 2016: 137.4%FY 2017: 643.9%FY 2018: 35.9%FY 2019: 39.4%FY 2020: -33.2%FY 2021: 140.4%FY 2022: -7.7%FY 2023: 27.0%FY 2024: 10.6%FY 2025: 13.6%
FY 2016 FY 2025
EPS (diluted) 5.1%
FY 2016: 536.1%FY 2017: -85.7%FY 2018: 210.5%FY 2019: 25.4%FY 2020: -35.1%FY 2021: 150.0%FY 2022: -2.5%FY 2023: 14.1%FY 2024: 3.0%FY 2025: 5.1%
FY 2016 FY 2025
Free Cash Flow -20.4%
FY 2016: 96.4%FY 2017: 1520.3%FY 2018: 218.1%FY 2019: -67.6%FY 2020: 319.6%FY 2021: -31.3%FY 2022: 200.2%FY 2023: -25.1%FY 2024: 5.5%FY 2025: -20.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 0.4×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.5×FY 2021: 0.8×FY 2022: 1.0×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.4×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 2.7×
FY 2016: 24.5×FY 2017: 7.4×FY 2018: 6.1×FY 2019: 5.9×FY 2020: 5.2×FY 2021: 3.7×FY 2022: 4.9×FY 2023: 2.2×FY 2024: 1.3×FY 2025: 2.7×
FY 2016 5y median 2.7× FY 2025
Interest Coverage 1.0×
FY 2016: 0.7×FY 2017: 2.9×FY 2018: 2.0×FY 2019: 1.6×FY 2020: 2.1×FY 2021: 9.9×FY 2022: 3.2×FY 2023: 1.0×FY 2024: 0.7×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025

Dividends

Dividend Yield 1.4%
FY 2016: 0.0%FY 2017: 1.8%FY 2018: 0.1%FY 2019: 0.1%FY 2020: 1.1%FY 2021: 1.2%FY 2022: 1.6%FY 2023: 1.5%FY 2024: 1.3%FY 2025: 1.4%
FY 2016 5y median 1.4% FY 2025
Payout Ratio 14.0%
FY 2016: 0.0%FY 2017: 52.0%FY 2018: 1.9%FY 2019: 1.4%FY 2020: 17.3%FY 2021: 13.0%FY 2022: 15.5%FY 2023: 13.5%FY 2024: 13.1%FY 2025: 14.0%
FY 2016 5y median 13.5% FY 2025

Annual · latest fiscal year ends 2025-12-31