📊 BY Key Takeaways
Investment Thesis
Byline Bancorp demonstrates solid fundamental strength with robust revenue growth of 48.5% YoY and healthy profitability margins (22.7% net margin). The bank maintains a strong balance sheet with minimal leverage (0.00x debt/equity) and generates substantial free cash flow of $136.3M, supporting operational resilience and capital deployment capacity.
BY Strengths
- Exceptional revenue growth of 48.5% YoY indicating strong loan origination and fee income generation
- Healthy net profit margin of 22.7% with substantial operating income of $173.3M demonstrating operational efficiency
- Strong balance sheet with zero long-term debt and positive equity of $1.3B providing financial flexibility
- Robust free cash flow generation of $136.3M (23.8% FCF margin) enabling dividends and potential growth investments
- Significant insider activity with 17 Form 4 filings in 90 days suggesting management confidence
BY Risks
- Low interest coverage ratio of 1.6x indicates limited cushion for covering interest obligations if revenue declines
- Modest ROE of 10.3% and ROA of 1.3% are below peer benchmarks for commercial banks, suggesting suboptimal capital efficiency
- Asset quality and loan loss reserves not disclosed; credit risk exposure during economic slowdown unclear
- EPS growth of only 5.1% YoY significantly lags revenue growth of 48.5%, indicating margin compression or higher share count dilution
- Cash position of $149.1M is relatively modest given $9.7B in total assets, limiting immediate liquidity buffer
Key Metrics to Watch
- Net interest margin trend and deposit composition to assess core profitability sustainability
- Loan loss reserve adequacy and non-performing asset ratios to evaluate credit quality
- ROE and ROAA progression toward industry benchmarks indicating capital deployment efficiency improvements
- Deposit growth and funding costs amid rising rate environment affecting net interest income
- Operating leverage from revenue growth translating to bottom-line earnings expansion
BY Financial Metrics
💡 AI Analyst Insight
The 23.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BY Profitability Ratios
BY vs Finance Sector
How BYLINE BANCORP, INC. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BY Balance Sheet & Liquidity
BY 5-Year Financial Trend
5-Year Trend Summary: BYLINE BANCORP, INC.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.67 reflects profitable operations.
BY Growth Metrics (YoY)
BY Capital Allocation
BY SEC Filings
Access official SEC EDGAR filings for BYLINE BANCORP, INC. (CIK: 0001702750)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 16, 2026 | 4 | xslF345X05/form4-03162026_080311.xml | View → |
| Mar 2, 2026 | 4 | xslF345X05/form4-03022026_060301.xml | View → |
| Feb 27, 2026 | 10-K | by-20251231.htm | View → |
| Feb 24, 2026 | 4 | xslF345X05/form4-02252026_120205.xml | View → |
| Feb 24, 2026 | 4 | xslF345X05/form4-02252026_120229.xml | View → |
❓ Frequently Asked Questions about BY
What is the AI rating for BY?
BYLINE BANCORP, INC. (BY) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BY's key strengths?
Exceptional revenue growth of 48.5% YoY indicating strong loan origination and fee income generation. Healthy net profit margin of 22.7% with substantial operating income of $173.3M demonstrating operational efficiency.
What are the risks of investing in BY?
Low interest coverage ratio of 1.6x indicates limited cushion for covering interest obligations if revenue declines. Modest ROE of 10.3% and ROA of 1.3% are below peer benchmarks for commercial banks, suggesting suboptimal capital efficiency.
What is BY's revenue and growth?
BYLINE BANCORP, INC. reported revenue of $572.2M.
Does BY pay dividends?
BYLINE BANCORP, INC. pays dividends, with $18.2M distributed to shareholders in the trailing twelve months.
Where can I find BY SEC filings?
Official SEC filings for BYLINE BANCORP, INC. (CIK: 0001702750) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BY's EPS?
BYLINE BANCORP, INC. has a diluted EPS of $2.89.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.