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Byline Bancorp, Inc. (BY) Stock Analysis

HoldModerate Confidence

Financial Services · Banks - Regional

Hold if already holding. Not a fresh buy at $32.37, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum.

Byline 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... Read more

$32.37+3.6% A.UpsideScore 6.2/10#37 of 142 Banks - Regional
Stop $31.02Target $33.64(resistance)A.R:R -0.1:1
Analyst target$37.20+14.9%5 analysts
$33.64our TP
$32.37price
$37.20mean
$40

Hold if already holding. Not a fresh buy at $32.37, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 6.2/10, moderate confidence.

Passes 5/7 gates (clean insider activity, no SEC red flags, news boost analyst 0.60, earnings proximity 84d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (4/4)
Attractive valuation
Recent Analyst detected in news
Risks
Analyst target reached - limited upside remaining
Negative momentum

Key Metrics

P/E (TTM)10.5
P/E (Fwd)9.7
Mkt Cap$1.5B
EV/EBITDA
Profit Mgn33.0%
ROE11.6%
Rev Growth13.8%
Beta0.81
Dividend1.36%
Rating analysts14

Quality Signals

Piotroski F7/9

Options Flow

P/C0.07bullish
IV68%elevated
Max Pain$23-30.5% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

1 floor-breaker

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Obv
1.0
Macd
1.2
Volume
2.1
Ma Position
6.0
Rsi
7.7
Uptrend pullback (RSI 38) - buy opportunityVolume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.6<4.5A.R:R -0.1=NEGATIVEInsider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.60EARNINGS PROXIMITY 84d clearSEMI CYCLE PEAK CLEARSuitability: Aggressive
RSI
38 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $31.40Resistance $34.33

Price Targets

$31
$34
A.Upside+3.9%
A.R:R-0.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-0.3% upside)
! Momentum score 3.6/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-23 (84d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is BY stock a buy right now?

Hold if already holding. Not a fresh buy at $32.37, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Negative momentum. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $33.64 (+3.9%), stop $31.02 (−4.4%), A.R:R -0.1:1. Score 6.2/10, moderate confidence.

What is the BY stock price target?

Take-profit target: $33.64 (+3.6% upside). Target $33.64 (+3.9%), stop $31.02 (−4.4%), A.R:R -0.1:1. Stop-loss: $31.02.

What are the risks of investing in BY?

Analyst target reached - limited upside remaining; Negative momentum.

Is BY overvalued or undervalued?

Byline Bancorp, Inc. trades at a P/E of 10.5 (forward 9.7). TrendMatrix value score: 8.0/10. Verdict: Hold.

What do analysts say about BY?

14 analysts cover BY with a consensus score of 3.9/5. Average price target: $37.

What does Byline Bancorp, Inc. do?Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and...

Byline 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 the United States department of agriculture loans; and treasury management products and services, such as treasury services, information reporting, fraud management, cash collection, and interest rate derivative products. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services, including fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. 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.

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