Byline Bancorp, Inc. (BY) Stock

Byline Bancorp, Inc. (BY) is a Financials stock trading at $38.32 (as of 2026-08-20), with a market capitalization of $1.74B and a trailing P/E of 12.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Byline Bancorp, Inc. is the holding company for Byline Bank, providing deposit, card, online/mobile/text banking, lending, treasury management, and related financial services. Its products serve small and medium-sized businesses, commercial real estate and financial sponsors, and consumers in the United States.

Understand Byline Bancorp, Inc.: how it makes money

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank, providing deposit products, consumer and commercial banking services, and loans to small and medium sized businesses, commercial real estate and financial sponsors, and consumers, generating revenue through its lending and deposit-based banking activities.

For a loan-focused bank like Byline, profitability is driven by loan growth and utilization (loans on the balance sheet and loan originations) and can swing with credit performance, which shows up in the allowance for credit losses (0.11B), non-performing assets (0.07B), and net charge-offs (0.01B).

Business quality (Solid): Positive credit indicators in the quarter (for example, Non-Performing Loans at 0.0 USD_B) need to be weighed against still-visible credit risk measures (Non-Performing Assets 0.07 USD_B and Allowance for Credit Losses 0.11 USD_B), plus funding and growth balance reflected in a high Loan-to-Deposit Ratio (93.4%).

Valuation: At 11× earnings, BY trades 9% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Credit stress looks limited on some measures: Non-Performing Loans are shown at 0.0 USD_B, and Net Charge-Offs of Loans and Leases are 0.01 USD_B.
  • The bank is actively funding and originating loans: Loans Excluding Paycheck Protection Program Loans are 4.8 USD_B, with Gross Loan Originations of 0.31 USD_B in the quarter.

Bear case

  • Some delinquency is still present: Non-Performing Assets are 0.07 USD_B, even while Non-Performing Loans are reported at 0.0 USD_B.
  • Credit costs may rise if performance worsens: The quarter still includes an Allowance for Credit Losses of 0.11 USD_B and an Allowance as a Percentage of Unguaranteed Loan Balances of 6.6%.
  • Funding balance is tight: The Loan-to-Deposit Ratio is 93.4%, which can leave less buffer if deposit growth or funding conditions weaken.
Valuation — source: SEC EDGAR (first-party)
Price$38.32
Market Cap$1.74B
P/E Ratio12.5
EV / EBITDA8.1
Price / Book1.36
Price / Sales3.01
FCF Yield9.5%
DCF Value (model)$56.89
DCF Upside vs Price48.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$572.22M
Net Margin22.7%
Revenue Growth (YoY)5.0%
EPS Growth (YoY)29.2%
FCF Growth (YoY)116.0%
Valuation vs Sector & Industry
Stock P/E12.5
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-17.5%
vs Industry-3.4%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($104.02M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEORoberto R. Herencia
Employees1,032
CountryUS
IPO Date2017-06-30

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.