Byline Bancorp, Inc. (BY) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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.
Analysis Summary
Byline Bancorp, Inc. reported revenue of $629.5M in the most recent fiscal year, growing at a 5-year CAGR of 16.5%. Net income reached $130.1M, with a 28.3% 5-year CAGR.
Trailing-twelve-month margins: gross margin 69.3%, operating margin 33.1%, net margin 23.5%. Free cash flow grew at 5.3% CAGR over 5 years.
At the current price of $37.87, BY trades at a P/E of 11.15 and an ROE of 11.75%. Market capitalisation stands at $1.7B.
Balance sheet quality for BY: current ratio of 0.3, net cash position of $900.3M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $136.3M represents 105% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $37.87 |
| Market Cap | $1.7B |
| Exchange | NYSE |
| Country | US |
Valuation Ratios
| P/E Ratio | 11.15 |
| Price / Book | 1.28 |
| EV / EBITDA | 10.52 |
| Dividend Yield | 1.29% |
Profitability
| Return on Equity | 11.75% |
| Return on Invested Capital | -2.66% |
| Return on Assets | 1.50% |
| Gross Margin | 69.35% |
| Operating Margin | 33.07% |
| Net Margin | 23.50% |
Financial Health
| Debt / Equity | 0.46 |
| Current Ratio | 0.20 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| BY | Byline Bancorp, Inc. | $1.7B | 11.15 | 1.28 | 11.7% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price Performance
| 1 month | -3.76% |
| 3 months | +7.03% |
| Year-to-date | +29.06% |
| 1 year | +32.70% |
| 3 years | +88.48% |
| 5 years | +62.02% |
52-Week Range
| 52-week High | $40.03 |
| 52-week Low | $25.57 |
| Avg Volume (90d) | 283K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-08-04 | $0.1400 | 1.48% |
| 2026-05-05 | $0.1200 | 1.27% |
| 2026-02-03 | $0.1200 | 1.27% |
| 2025-11-04 | $0.1000 | 1.06% |
| 2025-08-05 | $0.1000 | 1.06% |
| 2025-05-06 | $0.1000 | 1.06% |
| 2025-02-04 | $0.1000 | 1.06% |
| 2024-11-05 | $0.0900 | 0.95% |
| 2024-08-06 | $0.0900 | 0.95% |
| 2024-05-06 | $0.0900 | 0.95% |
Related companies: BFC · CNOB · FSUN · PEBO · PFBC · QCRH · RBCAA
Explore sector: Financial Services · Banks - Regional
More sections of BY: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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