Byline Bancorp (BY) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Byline Bancorp

NYSE•Financial Services•Banks - Regional

$38.85+0.13(<0.01%)Market closed

Market Cap

$1.68B

P/E

11.2x

P/S

2.6x

P/B

1.3x

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.

How this company scores

GoodMetricSide Score: 77/100

Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (14/25).

Profitability23/25

Growth17/25

Balance Sheet & Red Flags14/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.2x5y range 9.7x – 12.0x

Currently near its 20-quarter median.

P/S · 2.6x5y range 1.8x – 3.2x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.0x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Share Dilution

Watch

Shares outstanding rose 2.5% — mild dilution. Compare to earnings growth to assess the net per-share impact.

Price & Volume

Market Cap $1.68B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $639.80M
Q. Revenue: $161.18M
TTM EBITDA: $204.21M
TTM Op. Income: $199.95M
Q. Op. Income: $53.80M
TTM Net Income: $149.48M
Q. Net Income: $40.18M
EPS: $0.9
Shares Out.: $44.60M

$639.80M in TTM revenue grew 2.3% YoY, reaching $161.18M last quarter. TTM EBITDA of $204.21M and TTM operating income of $199.95M show growth is flowing through to the bottom line. TTM net income of $149.48M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 5 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 73.0%
EBITDA Margin: 34.1%
Op. Margin: 33.4%
Net Margin: 24.9%

Op. margin of 33.4% is up 8.8% YoY — cost efficiency is improving. Net margin at 24.9% and gross margin of 73.0% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.2x
P/S Ratio: 2.6x
P/B Ratio: 1.3x

At 11.2x P/E, the stock trades below typical market levels. P/S of 2.6x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 10% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $9.93B
Cash: $193.56M
Long-Term Debt: $384.75M
Book Value: $1.30B
D/E Ratio: 0.3
Debt/EBITDA: 7.0

With $9.93B in assets and $384.75M in long-term debt, D/E is 0.3and book value is $1.30B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 7% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $14.17M
TTM Free Cash Flow: $163.35M
FCF Margin: 25.5%
FCF / Net Income: 1.1

TTM FCF of $163.35M on $14.17M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 48% — a weakening trend.