Stocks · Financial Services · Banks - Regional
Byline Bancorp, Inc. BY
$37.74 +1.48% Close, Oct 2, 2026 · NYSE · Market cap $1.71B
Strong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +12.1%).
- Operating margin widened to 33.1% from 25.2% a year earlier.
- The shares trade at 11.5× trailing earnings, higher than 86% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth60Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 33%
- EPS growth (TTM, YoY)Top 47%
- FCF growth (TTM, YoY)Top 31%
- Revenue growth, 3-year CAGRTop 29%
- Revenue growth accelerationBottom 49%
Quality45Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 10%
- Gross marginTop 39%
- Operating marginTop 23%
- Cash conversion (OCF / net income)Bottom 46%
- Accruals (lower is better)Bottom 43%
- Net debt / EBITDA (lower is better)Bottom 39%
- Interest coverTop 44%
Value58Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 28%
- Free-cash-flow yieldTop 40%
- EBITDA / enterprise valueTop 31%
- Sales / enterprise valueBottom 44%
- P/E vs own 5-year history (lower is better)Bottom 19%
Momentum90Exceptional
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 13%
- 6-month returnTop 22%
- 1-year return vs S&P 500Top 14%
- Distance from 52-week highTop 28%
- Trend checklist (0–4)Top 27%
Revisions81Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 22%
- Consecutive EPS beatsTop 2%
- Share of analysts rating BuyBottom 48%
- Upside to consensus price targetBottom 45%
Stability54Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 25%
- Maximum drawdown, 3 yearsTop 45%
- Beta vs S&P 500 (lower is better)Bottom 41%
- Net debt / EBITDA (lower is better)Bottom 39%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 2.7% | 2.3% | ↓ |
| EPS growth (YoY) | 14.1% | 22.3% | ↑ |
| Gross margin | 61.3% | 69.3% | ↑ |
| Operating margin | 25.2% | 33.1% | ↑ |
| FCF margin | 17.7% | 25.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.3% | 2.7% | ↓ | Bottom 33% |
| EPS growth (TTM, YoY) | 22.3% | 14.1% | ↑ | Top 47% |
| Gross margin | 69.3% | 61.3% | ↑ | Top 39% |
| Operating margin | 33.1% | 25.2% | ↑ | Top 23% |
| Net margin | 23.5% | 19.1% | ↑ | — |
| Free-cash-flow margin | 25.7% | 17.7% | ↑ | — |
| Return on invested capital | -2.7% | — | Bottom 10% | |
| Revenue growth, 3-year CAGR | 20.9% | — | Top 29% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.11×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.5%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -102.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 2.47×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.17%
- Net buyback yield (TTM)
- 1.58%
- Shareholder yield
- 2.75%
- Share count change, 1 year
- +2.6%
- Share count change, 3-year CAGR
- +6.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +12.1%
- Average 2-day reaction, last 8
- -0.0%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $43.00
- Target vs current price
- +13.9%
- Analysts with a rating
- 11
- Share rating Buy or Strong Buy
- 45%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +15.5% | -0.3% | +3.7% | +1.0% | — |
| Apr 23, 2026 | +12.2% | -0.1% | -2.1% | -0.8% | +14.4% |
| Jan 22, 2026 | +5.6% | +0.4% | -1.9% | +4.0% | +6.7% |
| Oct 23, 2025 | +15.1% | -1.1% | +0.0% | -0.7% | +12.1% |
| Jul 24, 2025 | +11.9% | -2.3% | -3.4% | +0.1% | -7.1% |
| Apr 24, 2025 | +4.8% | +1.2% | +0.7% | +4.5% | +9.6% |
| Jan 24, 2025 | +13.7% | +2.9% | +4.3% | +2.0% | -15.6% |
| Oct 24, 2024 | +6.2% | -0.7% | +3.5% | +15.7% | +5.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.91 | $0.79 | +15.5% | $117.7M |
| Apr 23, 2026 | $0.83 | $0.74 | +12.2% | $112.4M |
| Jan 22, 2026 | $0.76 | $0.72 | +5.6% | $117.0M |
| Oct 23, 2025 | $0.83 | $0.72 | +15.1% | $115.7M |
| Jul 24, 2025 | $0.75 | $0.67 | +11.9% | $110.5M |
| Apr 24, 2025 | $0.65 | $0.62 | +4.8% | $103.1M |
| Jan 24, 2025 | $0.69 | $0.61 | +13.7% | $104.7M |
| Oct 24, 2024 | $0.69 | $0.65 | +6.2% | $101.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.5× | 9.8× | 86th | Top 28% |
| P/E (forward) | 11.1× | — | — | — |
| EV / EBITDA | 10.5× | — | — | Top 31% |
| EV / Sales | 3.53× | — | — | Bottom 44% |
| Free-cash-flow yield | 9.53% | — | — | Top 40% |
| Earnings yield | 8.72% | — | — | Top 28% |
P/E over the past five years
Range 7.5× – 12.5× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +37.4%
- Earnings per share growth (TTM)
- +22.3%
- Change in P/E multiple
- +26.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 216
- 50-day average slope (20 days)
- +0.1%
- 200-day average slope (20 days)
- +2.7%
- Distance from 50-day average
- -1.5%
- Distance from 200-day average
- +10.2%
- RSI (14)
- 50.9
- Relative volume
- 0.68×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.9%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.77
- Correlation with S&P 500
- 0.46
- Current drawdown from 1-year high
- -5.1%
- Maximum drawdown, 3 years
- -27.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 7, 2022 | May 4, 2023 | -41.8% | 331 days | 308 days (Jul 26, 2024) |
| Nov 11, 2024 | Apr 11, 2025 | -27.5% | 103 days | 202 days (Feb 2, 2026) |
| Jul 26, 2024 | Aug 12, 2024 | -14.2% | 11 days | 61 days (Nov 6, 2024) |
| Jan 22, 2021 | Jan 27, 2021 | -11.9% | 3 days | 4 days (Feb 2, 2021) |
| Aug 12, 2021 | Sep 21, 2021 | -11.3% | 27 days | 28 days (Oct 29, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.71B
- P/E (TTM)
- 11.5
- EPS, diluted (TTM)
- $3.29
- Revenue (TTM)
- $636.0M
- Dividend yield
- 1.27%
- 52-week range
- $25.57 – $40.03
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $316.1M | $356.5M | $532.5M | $621.4M | $629.5M |
| Gross profit | $302.6M | $296.4M | $352.0M | $376.5M | $416.2M |
| Operating income | $124.2M | $114.7M | $145.7M | $161.1M | $183.0M |
| Net income | $92.8M | $88.0M | $107.9M | $120.8M | $130.1M |
| EPS (diluted) | $2.40 | $2.34 | $2.67 | $2.75 | $2.89 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $160.0M | $154.4M | $148.8M | $158.1M | $162.6M | $159.9M | $153.4M | $160.1M |
| Net income | $30.3M | $30.3M | $28.2M | $30.1M | $37.2M | $34.5M | $37.6M | $40.2M |
| EPS (diluted) | $0.69 | $0.69 | $0.64 | $0.67 | $0.82 | $0.76 | $0.83 | $0.88 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $74.4M | $220.3M | $166.1M | $175.2M | $140.3M |
| Capital expenditure | -$2.2M | -$3.6M | -$3.9M | -$4.0M | -$4.0M |
| Free cash flow | $72.2M | $216.7M | $162.2M | $171.2M | $136.3M |
| Dividends paid | -$11.3M | -$13.4M | -$14.6M | -$15.8M | -$18.2M |
| Net share buybacks | -$26.7M | -$15.8M | $1.8M | $4.5M | -$21.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.69B
- Total assets
- $9.93B
- Total liabilities
- $8.63B
- Total debt
- $606.2M
- Net debt
- $529.1M
- Shareholders’ equity
- $1.30B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 4, 2026 | $0.14 | Aug 18, 2026 |
| May 5, 2026 | $0.12 | May 19, 2026 |
| Feb 3, 2026 | $0.12 | Feb 17, 2026 |
| Nov 4, 2025 | $0.10 | Nov 18, 2025 |
| Aug 5, 2025 | $0.10 | Aug 19, 2025 |
| May 6, 2025 | $0.10 | May 20, 2025 |
| Feb 4, 2025 | $0.10 | Feb 18, 2025 |
| Nov 5, 2024 | $0.09 | Nov 19, 2024 |
Short interest
- Shares sold short
- 1,162,318
- Days to cover
- 3.57
- Change vs previous report
- +17.7%
FINRA short interest, settlement date Sep 15, 2026.