Byline Bancorp, Inc. logo

Byline Bancorp, Inc.

BY

NYSEFinancial ServicesBanks - Regional

Regular session

$38.525

+$0.275 · +0.72%

Aug 24, 10:07 AM ET

BY company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

72

Undervalued

Momentum

53

Neutral

Sentiment

71

Bullish

Risk resilience

82

Low Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Roberto R. Herencia
Listed since
Jun 30, 2017
Employees
1,018

Market position

Day range

Current $38.525

52-week range

Current $38.525

Open
$38.29
Previous close
$38.25
Volume
4.59K
0.02× average
Average volume
288.1K
Average daily volume
Market cap
1.75B USD
Beta
0.72
Market reference 1
50-day average
$37.7818
+1.97% above average
200-day average
$32.8346
+17.33% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.81B USD
P/E (TTM)
11.57×
P/B (TTM)
1.32×
P/S (TTM)
2.75×
EV / EBITDA
9.64×
Earnings yield
9.95%
Free cash flow yield
10.43%
Dividend yield
1.25%

Profitability & efficiency

Gross margin
69.35%
Operating margin
33.07%
Net margin
23.50%
Return on equity
10.26%
Return on assets
1.35%
Return on invested capital
-4.58%

Financial health

Debt / equity
0.46×
Current ratio
0.31×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%73%42%12%Gross margin, FY2021: 95.73%Gross margin, FY2022: 83.14%Gross margin, FY2023: 66.10%Gross margin, FY2024: 60.59%Gross margin, FY2025: 66.12%Operating margin, FY2021: 39.29%Operating margin, FY2022: 32.17%Operating margin, FY2023: 27.36%Operating margin, FY2024: 25.92%Operating margin, FY2025: 29.06%Net margin, FY2021: 29.35%Net margin, FY2022: 24.67%Net margin, FY2023: 20.26%Net margin, FY2024: 19.43%Net margin, FY2025: 20.66%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.73%. Gross margin FY2022 83.14%. Gross margin FY2023 66.10%. Gross margin FY2024 60.59%. Gross margin FY2025 66.12%. Operating margin FY2021 39.29%. Operating margin FY2022 32.17%. Operating margin FY2023 27.36%. Operating margin FY2024 25.92%. Operating margin FY2025 29.06%. Net margin FY2021 29.35%. Net margin FY2022 24.67%. Net margin FY2023 20.26%. Net margin FY2024 19.43%. Net margin FY2025 20.66%.

Income trends

Revenue

629.49M USD+1.30%

Operating income

182.96M USD+13.58%

Net income

130.05M USD+7.69%
Income trends across reported periods683.64M USD467.03M USD250.42M USD33.8M USDRevenue, FY2021: 316.14M USDRevenue, FY2022: 356.46M USDRevenue, FY2023: 532.47M USDRevenue, FY2024: 621.42M USDRevenue, FY2025: 629.49M USDOperating income, FY2021: 124.21M USDOperating income, FY2022: 114.68M USDOperating income, FY2023: 145.68M USDOperating income, FY2024: 161.08M USDOperating income, FY2025: 182.96M USDNet income, FY2021: 92.79M USDNet income, FY2022: 87.95M USDNet income, FY2023: 107.88M USDNet income, FY2024: 120.76M USDNet income, FY2025: 130.05M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 316.14M USD. Revenue FY2022 356.46M USD. Revenue FY2023 532.47M USD. Revenue FY2024 621.42M USD. Revenue FY2025 629.49M USD. Operating income FY2021 124.21M USD. Operating income FY2022 114.68M USD. Operating income FY2023 145.68M USD. Operating income FY2024 161.08M USD. Operating income FY2025 182.96M USD. Net income FY2021 92.79M USD. Net income FY2022 87.95M USD. Net income FY2023 107.88M USD. Net income FY2024 120.76M USD. Net income FY2025 130.05M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue629.49M USD621.42M USD532.47M USD356.46M USD316.14M USD
Cost of goods sold213.27M USD244.92M USD180.51M USD60.11M USD13.51M USD
Gross profit416.22M USD376.5M USD351.96M USD296.35M USD302.63M USD
Selling, general, and administrative132.99M USD145.1M USD130.78M USD120.88M USD103.02M USD
Operating expenses233.26M USD215.42M USD206.28M USD181.67M USD178.42M USD
Interest income572.18M USD565.93M USD479.48M USD301.56M USD248.93M USD
Interest expense186.87M USD217.88M USD148.86M USD36.23M USD12.54M USD
Depreciation and amortization4.9M USD5.03M USD4.53M USD4.29M USD5.99M USD
Operating income182.96M USD161.08M USD145.68M USD114.68M USD124.21M USD
Net income130.05M USD120.76M USD107.88M USD87.95M USD92.79M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
11 beats, 0 misses, 0 met estimates
Average EPS surprise
+9.43%
11 comparable reports
Latest EPS result
0.91
Estimate 0.79 · Beat by 15.48%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.950.820.690.57Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 0.69, estimate 0.607, surprise +13.67%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.65, estimate 0.62, surprise +4.84%, Beat. Q3 2025, reported Jul 24, 2025: actual 0.75, estimate 0.67, surprise +11.94%, Beat. Q4 2025, reported Oct 23, 2025: actual 0.83, estimate 0.721, surprise +15.12%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.76, estimate 0.72, surprise +5.56%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.83, estimate 0.74, surprise +12.16%, Beat. Q3 2026, reported Jul 23, 2026: actual 0.91, estimate 0.788, surprise +15.48%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.81, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates122.42M113.5M104.58M95.67MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 24, 2025: actual 104.67M USD, estimate 100.37M USD, surprise +4.28%, Beat. Q2 2025, reported Apr 24, 2025: actual 103.08M USD, estimate 100.82M USD, surprise +2.24%, Beat. Q3 2025, reported Jul 24, 2025: actual 110.45M USD, estimate 107M USD, surprise +3.22%, Beat. Q4 2025, reported Oct 23, 2025: actual 115.74M USD, estimate 111.09M USD, surprise +4.18%, Beat. Q1 2026, reported Jan 22, 2026: actual 117.01M USD, estimate 112.31M USD, surprise +4.18%, Beat. Q2 2026, reported Apr 23, 2026: actual 112.4M USD, estimate 114.14M USD, surprise -1.52%, Miss. Q3 2026, reported Jul 23, 2026: actual 117.71M USD, estimate 115.78M USD, surprise +1.67%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 116.7M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

11 ratings
Strong buy00%
Buy545%
Hold655%
Sell00%
Strong sell00%

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