Byline Bancorp Inc. Common Stock (BY)

FairStock Score: 62/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I look first for a bank that earns a respectable return on equity without taking reckless risk. Byline Bancorp is a $1.7 billion market-cap regional bank holding Byline Bank, focused on small and medium-sized businesses, commercial real estate, and consumers. The filed record shows steady profit: FY2023 net income $107.9 million and diluted EPS $2.67; FY2024 $120.8 million and $2.75; FY2025 $130.1 million and $2.89. In the quarter ended 2026-06-30 (fiscal Q2 2026), net income was $40.2 million and diluted EPS $0.90, up from $30.1 million and $0.66 in the quarter ended 2025-06-30 (fiscal Q2 2025). FairStock calculations at the 2026-10-13 close put P/E at 11.07, price-to-book at 1.27, ROE at 11.97%, and PEG at 0.33. That is not a cigar butt, but it is a fair-to-reasonable price for a steady earner. The computed Lynch category is STALWART—steady growth, with profit up 28.3% a year over five years. A 1.52% dividend yield and beta of 0.72 add defensiveness. On the other side, banks are leveraged, and the data do not include CET1, NIM, reserve coverage, or charge-off trends, so I cannot fully judge capital and credit strength; combined ratio is not applicable to a bank. Piotroski F-score is 6/9, and the FairStock score is 62/100—decent but not pristine. I would want more capital and credit detail before calling it a compelling bargain.

In plain English: Byline Bancorp is the parent of Byline Bank, which takes deposits and makes loans mainly to small and medium-sized businesses, commercial real estate borrowers, and consumers. The business looks reasonably strong: profits and earnings per share have grown over the last few years, and the bank earns a solid return on shareholders' money. At the recent close, the stock price looks moderate compared with those profits and its accounting value—not obviously cheap, but not expensive either.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer