Byline Bancorp (BY) Price & Analysis
BY Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- MXN 32.31B
- Enterprise Value
- MXN 2.00B
- Total Cash (Recent Filing)
- MXN 1.86B
- Total Debt (Recent Filing)
- MXN 418.64M
- Price to Earnings (P/E)
- 11.2
- Beta
- 0.00
- Next Earnings
- Jan 28, 2027
- EPS Estimate
- 15.45
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Efficiency
Record revenue, strong profitability, and a sub-50% efficiency ratio indicate that Byline is converting its banking franchise into earnings effectively. Improving operating efficiency can support durable returns by allowing future revenue growth to outpace expenses.
Core Deposit Growth And Funding Improvement
Growth in interest checking, DDA, and noninterest-bearing deposits strengthens Byline’s funding base and reduces reliance on wholesale sources. A larger core deposit franchise can support lending capacity, improve liquidity resilience, and help protect margins over time.
Strategic Acquisition Expands Market Position
The proposed acquisition would add branches, customer relationships, and a stable core deposit base in Byline’s existing regional markets. Greater market density and complementary franchises could improve scale, deepen commercial relationships, and broaden long-term growth opportunities.
Bears Say
Rising Credit Costs And Nonperforming Loans
Higher charge-offs and increasing nonperforming loans indicate that credit quality is requiring more attention in Byline’s lending portfolios. If deterioration persists, additional provisions could reduce earnings, constrain capital deployment, and weaken the benefits of otherwise strong operating performance.
Deposit Pricing Pressure
Rising deposit costs can compress the spread between loan yields and funding expenses, making net interest margin harder to sustain. Management’s expected deposit betas also show that future rate changes could keep funding costs elevated and pressure earnings durability.
Near-term Loan Growth And Real Estate Uncertainty
Elevated payoffs and lower utilization are currently preventing origination strength from translating into loan growth, with balances expected to remain flat near term. Rate-sensitive real estate activity may add pressure, delaying asset growth and limiting interest-income expansion.
Byline Bancorp News
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Byline Bancorp Stock Smart Score
Company Description
Byline Bancorp
Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and the United States department of agriculture loans; and treasury management products and services, such as treasury services, information reporting, fraud management, cash collection, and interest rate derivative products. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services, including fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Roberto R. Herencia
- Employees
- 1,018
- Website
- www.bylinebancorp.com
- Address
- 180 North LaSalle Street, Chicago, IL, 60601, US
Byline Bancorp (BY) Earnings & Revenues
BY Company Deck
BY Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall. Management reported record revenue and net income, expanding net interest margin, solid deposit growth, strong capital ratios, increased shareholder returns, improving criticized and classified loans, and progress toward the Illinois State Bancorp acquisition and the $10 billion asset threshold. The main challenges were elevated loan payoffs, higher credit costs and nonperforming loans, increased near-term expenses, lower expected fourth-quarter noninterest income, and uncertainty around real estate activity and deposit pricing. Management nevertheless maintained constructive growth expectations and expressed confidence in its balance sheet, pipeline, capital position, and leadership succession plan.
View all MX:BY earnings summaries