# Byline Bancorp Inc. (BY) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Banks. Price $38.48, market value $1.7 billion.

## Valuation
- **P/E (trailing): 11.6×** (5-yr avg 9.8×, 3-yr avg 9.6×). Byline Bancorp Inc. trades at 11.6× trailing earnings, close to its own five-year average of 9.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 2.10**. A PEG of 2.10 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.5%** (5-yr avg 15.2%). Free cash flow equals 9.5% of the market value, below its five-year average of 15.2%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.6%**. The inverse of the P/E: 8.6% of the price is earned each year.

## Profitability
- **Return on equity: 10.3%**. 10.3% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 5.1%** (3-yr 7.3%/yr, 5-yr 24.7%/yr). Earnings per share rose 5.1%.
- **Free-cash-flow growth (3 yr): -14.3%/yr**. Free cash flow has compounded at -14.3% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Cash and short-term investments: $149 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.46%** ($0.48 per share, trailing). Byline Bancorp Inc. yields 1.46%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 14%** (12% of free cash flow). 14% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 27.2%/yr** (1-yr 11.1%). The dividend has compounded at 27.2% a year over five years, doubling roughly every 3 years at that pace.

## Analyst view
- **Analyst consensus: buy** (5 analysts). 5 analysts cover Byline Bancorp Inc.; the consensus is buy, with an average price target of $43.80 (+14% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 47.8%** (YTD 35.1%, 3-mo -1.8%). The shares are up 47.8% over twelve months including dividends.
- **From 52-week high: -3.9%** (45.7% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 64**. An RSI of 64 is neutral.
- **Beta (1 yr): 0.47** (volatility 20%). Beta of 0.47 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BY · Page: https://foliofundamentals.com/stocks/by

Not investment advice.