# Byline Bancorp Inc. (BY) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $38.85, market value $1.8 billion.

## Valuation
- **P/E (trailing): 11.7×** (5-yr avg 9.8×, 3-yr avg 9.6×). Byline Bancorp Inc. trades at 11.7× trailing earnings, well above its own five-year average of 9.8×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 2.24**. A PEG of 2.24 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: 9.3%** (5-yr avg 15.2%). Free cash flow equals 9.3% 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: 8.5%**. The inverse of the P/E: 8.5% 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: 1.44%** ($0.44 per share, trailing). Byline Bancorp Inc. yields 1.44%, 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.

## Price and momentum
- **Total return (1 yr): 34.6%** (YTD 34.3%, 3-mo 15.0%). The shares are up 34.6% over twelve months including dividends.
- **From 52-week high: -2.9%** (51.9% 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): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 0.54** (volatility 23%). Beta of 0.54 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.