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BYByline Bancorp, Inc.
$37.44$1.7B
Overview & Verdict
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BY logoByline Bancorp, Inc.(BY)Earnings, Financials & Key Ratios

BY•NYSE•Banking & Credit
$38.33
13.3× P/E·Price updated Jul 2, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutByline 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 united states department of agriculture loans; and treasury management products and services. In addition, it offers financing solutions for equipment vendors and their end users; and investment, trust, and wealth management services that include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. It operates through 43 branch locations in the Chicago metropolitan area and one branch in Brookfield, Wisconsin. 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.Show more
  • Net Interest Income$385M+10.7%
  • Total Revenue$629M+1.3%
  • Net Income$130M+7.7%
  • Return on Equity11.02%-5.0%
  • Net Interest Margin3.99%+8.9%
  • Efficiency Ratio37.06%+6.9%
  • ROA1.36%+3.4%
  • Equity / Assets13.14%+14.3%
  • Book Value per Share27.91+12.2%

BY Price & Volume

Byline Bancorp, Inc. (BY) stock price & volume — 10-year historical chart

Loading chart...

Sustained Asset Growth Faces Margin Compression Headwinds

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Expanding
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:SBA gain-on-sale volatility

Key Thesis Takeaways

  • Byline Bancorp continues to leverage its Chicago-area footprint to drive a 13.2% year-over-year expansion in net interest income, though this growth is tempered by a stagnant 1.0% net interest margin.
  • While the bank maintains a disciplined 36.8% efficiency ratio, investors should monitor the volatility in SBA gain-on-sale income and the potential for credit concentration risks within the local commercial real estate market.
  • The current valuation, supported by a 1.35 P/B ratio, reflects a balanced outlook that hinges on the bank's ability to optimize capital allocation while managing liquidity constraints.

Verdict Logic

while the 0.53 PEG ratio suggests potential value, the bank's reliance on volatile SBA fee income and a compressed 1.0% net interest margin warrant a cautious approach until further margin expansion is realized.

BY Growth Metrics

Byline Bancorp, Inc. (BY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years20.65%
5 Years16.49%
3 Years20.87%
TTM-

Profit CAGR

10 Years-
5 Years28.26%
3 Years13.93%
TTM17.56%

EPS CAGR

10 Years-
5 Years24.66%
3 Years7.29%
TTM14.07%

Return on Capital

10 Years6.17%
5 Years7.91%
3 Years7.83%
Last Year5.32%

BY Recent Earnings

Byline Bancorp, Inc. (BY) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (100%)●Beat Revenue 6/12 qtrs (60%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.83+12.2%
$0.74
Rev
$112M-1.5%
$114M
Q1 2026
Feb 27, 2026
Metric
Actual
Est
EPS
$0.76
—
Rev
$160M
—
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.76+5.6%
$0.72
Rev
$117M+4.2%
$112M
Q4 2025
Oct 23, 2025
Metric
Actual
Est
EPS
$0.83+16.9%
$0.71
Rev
$116M+3.8%
$112M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.83vs $0.74+12.2%
$112Mvs $114M-1.5%
Q1 2026Feb 27, 2026
$0.76
$160M
Q1 2026Jan 22, 2026
$0.76vs $0.72+5.6%
$117Mvs $112M+4.2%
Q4 2025Oct 23, 2025
$0.83vs $0.71+16.9%
$116Mvs $112M+3.8%
Based on last 12 quarters of dataView full earnings history →

Latest BY News

Recent stock market news and headlines for Byline Bancorp, Inc. (BY)

Zacks Investment Research·Jun 24, 2026
What Makes Byline Bancorp (BY) a New Strong Buy Stock

Byline Bancorp (BY) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

Zacks Investment Research·Jun 24, 2026
New Strong Buy Stocks for June 24th

BY, NVGS, NBIX, TFII and BG have been added to the Zacks Rank #1 (Strong Buy) List on June 24th, 2026.

Zacks Investment Research·Jun 24, 2026
Best Value Stocks to Buy for June 24th

NVGS, BY and NBIX made it to the Zacks Rank #1 (Strong Buy) value stocks list on June 24th, 2026.

Peers Comparison

Key metrics vs top competitors for Byline Bancorp, Inc. (BY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
BY logoBYByline Bancorp, Inc.Current
$38.33$1.74B13.261.3%20.66%11.02%1.04%
MBWM logoMBWMMercantile Bank Corporation
$58.90$1.02B10.792.74%24.23%13.36%—
MGYR logoMGYRMagyar Bancorp, Inc.
$17.60$113.74M11.2812.08%18.32%9.28%—
MOFG logoMOFGMidWestOne Financial Group, Inc.
$49.31$1.02B-13.93-23.13%16.66%10.02%—
FBIZ logoFBIZFirst Business Financial Services, Inc.
$64.76$540.28M10.696.43%18.74%14.12%—
SBCF logoSBCFSeacoast Banking Corporation of Florida
$33.98$3.3B21.517.49%15.92%5.4%—

Compare BY vs Peers

Byline Bancorp, Inc. (BY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MBWM

Most directly comparable listed peer for BY.

Scale Benchmark

vs FISV

Larger-name benchmark to compare BY against a more recognizable public peer.

Peer Set

Compare Top 5

vs MBWM, MGYR, MOFG, FBIZ

BY SEC Filings & Documents

Byline Bancorp, Inc. (BY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jun 3, 2026·SEC

Material company update

May 22, 2026·SEC

Material company update

Apr 23, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 28, 2025·SEC

FY 2024

Mar 4, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 1, 2026·SEC

FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 7, 2025·SEC

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BY Frequently Asked Questions

Byline Bancorp, Inc. (BY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Byline Bancorp, Inc. growing?

Byline Bancorp, Inc. (BY) grew revenue by 1.3% over the past year. Growth has been modest.

Is BY profitable?

Yes, Byline Bancorp, Inc. (BY) is profitable, generating $139.4M in net income for fiscal year 2025 (20.7% net margin).

Dividend & Returns
Does BY pay dividends?

Yes, Byline Bancorp, Inc. (BY) pays a dividend with a yield of 1.04%. This makes it attractive for income-focused investors.

What is BY's return on equity?

Byline Bancorp, Inc. (BY) has a return on equity (ROE) of 11.0%. This is reasonable for most industries.

Industry Metrics
What is Byline Bancorp, Inc.'s net interest margin?

Byline Bancorp, Inc. (BY) has a net interest margin (NIM) of 4.0%. This indicates healthy earnings from lending activities.

What is Byline Bancorp, Inc.'s efficiency ratio?

Byline Bancorp, Inc. (BY) has an efficiency ratio of 37.1%. This is excellent, indicating strong cost control.

What if you invested $1,000 in BY back in 2015?

Total return calculator · dividends reinvested · 11+ years of data

See returns →