Byline Bancorp Inc (BY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Byline Bancorp Inc stock $26.25, price $38.12, that is 31.1% below the price, quality 49 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Byline Bancorp Inc
BY · USOur calculation puts a fair price 31% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $15.98 – $39.75 · fair‑value band $23.92 – $32.26 · the $38.12 price screens above the $26.25 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
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.
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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.
Stock analysis
Byline Bancorp Inc (BY) currently trades at $38.12, while our model-based Fair Value estimate is $26.25, 31% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $32.20 per share, and 0 of the 6 models we run sit above the $38.12 price.
Bear case: the Dividend Discount group reads lowest at $5.83, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $23.92 (bear) to $32.26 (bull), the price of $38.12 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Byline Bancorp Inc reported revenue of $629M in FY2025 versus $316M in FY2021, a compound +18.8%/yr. Reported net income was $130M in FY2025, compounding +8.8%/yr from FY2021.
Key figures
Market cap $1.7B Small · P/E ratio 11.5 · P/S ratio 3.95 · EPS (TTM) $3.32 · Dividend yield 1.3% · Net margin 35.2% · Return on equity 12.3% · Return on assets (EBIT) 1.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 62 out of 100 (medium confidence).
What moves the price
The share trades about 4% below its 52-week high and 46% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −31%, BY screens richer than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors bought shares worth $60,135, most recently on Oct 26, 2026. Over the same period, 4 people sold shares worth $13.2M. Buying cluster
- SaleBrogan PtacinHEAD OF COMMERCIAL BANKING16,100 shares at $38.92$626,619Oct 29, 2026
- BuyPamela C StewartDirector1,160 shares at $38.61$44,785Oct 26, 2026
- BuyWilliam G KistnerDirector2× since May 4, 2026: 200 shares, avg. $35.14$7,027Aug 19, 2026
- BuyMary Jo S. HersethDirector2× since Mar 16, 2026: 600 shares, avg. $34.62$20,769Aug 19, 2026
- SaleRoberto R HerenciaCHIEF EXECUTIVE OFFICER, Director19,750 shares at $39.21$774,398Aug 13, 2026
- SaleDana RoseCHIEF HUMAN RESOURCES OFFICER2,421 shares at $39.00$94,419Aug 12, 2026
- SalePerochena Antonio Del ValleDirector, 10% owner300,000 shares at $39.10$11.7MAug 7, 2026
- SaleMBG INVESTORS I, L.P.10% owner300,000 shares at $39.10$11.7MAug 7, 2026
- SaleJohn BarkidjijaHEAD OF CRE & SPECIALTY FIN4,509 shares at $32.33$145,776Feb 26, 2026
- BuyBrian F DoranGeneral Counsel750 shares at $33.13$24,848Feb 17, 2026
Plus 1 more entries from the last 12 months.
Plus 4 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
BY screens overvalued: fair value 31% below the price. Compare with China Merchants Bank Co →
Compare Byline Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Dividend yield by industry
- EV/EBITDA by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BY |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BY |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BY |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BY |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BY |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BY |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs BY |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BY |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BY |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BY |
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Key figures of Byline Bancorp Inc
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