BY:NYE-Byline Bancorp Inc (USD)

COMMON STOCK | Banks-Regional | NYE

Last Closing Price

USD 22.94

Change

+0.14 (+0.61)%

Market Cap

USD 0.86B

Volume

0.09M

Avg Analyst Target

USD 27.50 (+19.88%)

Avg User Target

USD
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides a range of banking products and services to small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers non-interest bearing accounts, money market demand accounts, savings accounts, interest bearing checking accounts, and time deposits, as well as certificates of deposit. The company also provides commercial loan products and services, including term loans, construction financing, and revolving lines of credit; small business administration loans; and small ticket equipment leasing services, as well as online, mobile, and direct banking services. It operates through 45 branch offices in Chicago metropolitan area; and one branch office 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 incorporated in 1978 and is headquartered in Chicago, Illinois.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-09-22 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HDB HDFC Bank Limited

+0.18 (+0.25%)

USD119.07B 30.66 N/A
USB-PH U.S. Bancorp

+0.05 (+0.20%)

USD102.88B 5.35 N/A
USB-PP U.S. Bancorp

+0.07 (+0.25%)

USD86.87B 5.93 N/A
USB U.S. Bancorp

+0.82 (+1.44%)

USD82.55B 15.92 N/A
USB-PO U.S. Bancorp

N/A

USD81.31B 8.27 N/A
PNC The PNC Financial Services Gro..

+3.70 (+2.01%)

USD78.19B 13.97 N/A
USB-PM U.S. Bancorp

+0.02 (+0.08%)

USD77.92B 5.53 N/A
IBN ICICI Bank Limited

-0.01 (-0.05%)

USD66.85B 22.02 N/A
PNC-PQ The PNC Financial Services Gro..

N/A

USD58.78B 2.14 N/A
ITUB Itaú Unibanco Holding S.A

+0.08 (+1.57%)

USD49.88B 9.53 N/A

ETFs Containing BY

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 48.48% 97% A+ 90% A-
Dividend Return 1.36% 18% F 38% F
Total Return 49.84% 97% A+ 90% A-
Trailing 12 Months  
Capital Gain 115.00% 90% A- 90% A-
Dividend Return 2.25% 11% F 38% F
Total Return 117.24% 90% A- 90% A-
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 2.69% 58% F 40% F
Dividend Return 0.32% 7% F 7% F
Total Return 3.02% 31% F 25% F
Risk Return Profile  
Volatility (Standard Deviation) 40.23% 23% F 25% F
Risk Adjusted Return 7.50% 28% F 18% F
Market Capitalization 0.86B 16% F 48% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 11.73 36% F 70% C-
Price/Book Ratio 1.09 63% D 69% D+
Price / Cash Flow Ratio 7.89 49% F 50% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 9.47% 24% F 47% F
Return on Invested Capital 10.97% 88% B+ 79% C+
Return on Assets 1.17% 50% F 32% F
Debt to Equity Ratio 13.63% 86% B 84% B
Technical Ratios  
Short Ratio 3.28 63% D 41% F
Short Percent 1.81% 48% F 63% D
Beta 1.42 41% F 29% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.