Byline Bancorp trades at roughly 10x forward earnings with a PEG of 0.35 and has delivered four consecutive earnings beats averaging 11% above estimates, offering an attractively priced regional bank franchise for its demonstrated consistency. However, shares sit just 0.3% below technical resistance with a risk/reward of 0.08-to-1 — deeply unfavorable — making the current level a hold rather than a new entry.
Thesis pillars
- Consistent Earnings Outperformance→Stable
- Attractive Forward Valuation→Stable
- Established Technical Uptrend→Stable
- +1 more pillar — see the Why tab for full reasoning
Byline Bancorp, Inc. (BY) Stock Analysis
Catalyst-Driven edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $37.44, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: core deposits (87.0%); Analyst target reached - limited upside remaining.
Byline Bancorp is the Chicago-based holding company for Byline Bank, a full-service commercial bank serving small and medium-sized businesses, commercial real estate and financial sponsors through 44 branches in the Chicago metro area and one in Wisconsin. At December 31, 2025,... Read more
Hold if already holding. Not a fresh buy at $37.44, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: core deposits (87.0%); Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.
Passes 7/8 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, earnings proximity 20d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.
About Byline Bancorp, Inc.
About Byline Bancorp, Inc.
Byline Bancorp held $9.7 billion in total assets, $7.5 billion in gross loans and leases and $7.6 billion in deposits at December 31, 2025, operating 44 branches in the Chicago metropolitan area plus one in Wauwatosa, Wisconsin through its Byline Bank subsidiary. The bank ranked as the tenth most active SBA 7(a) lender nationally and the most active in Illinois for the SBA's fiscal year 2025, and is subject to primary oversight from the FDIC and the Illinois Department of Financial and Professional Regulation.
Byline earns revenue across commercial and industrial lending ($3.3 billion outstanding), commercial real estate ($1.4 billion), sponsor finance ($805.9 million) and small-ticket equipment leasing through its Byline Financial Group subsidiary ($752.3 million), alongside U.S. government-guaranteed SBA and USDA lending, where it retains servicing rights and the non-guaranteed loan portion after selling the guaranteed piece into the secondary market. Commercial deposits made up 43.0% of total deposits and 85.1% of non-interest-bearing deposits, while core deposits represented 87.0% of total deposits, funding the bank's loan and lease book at an average deposit cost of 2.17% for 2025. Byline also provides trust and wealth management services with $823.2 million in assets under administration. The bank's top 50 customers accounted for approximately 13.6% of total deposits.
Show full overview
Byline's real estate-secured loan book is geographically concentrated: construction and development, multifamily, non-owner-occupied commercial real estate and residential mortgage loans held for investment are weighted toward the Chicago metropolitan area and the State of Illinois, a market the 10-K notes has experienced real estate value volatility over the past decade. Because Byline provides banking and financial services primarily in this single metro area rather than a geographically diversified footprint, a downturn specific to Chicago-area real estate could affect loan performance more than it would for a more geographically dispersed competitor.
See also: Financial Services · Banks - Regional
From Byline Bancorp, Inc.'s most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-07-06Recent Developments — Byline Bancorp, Inc.
Latest news
- NEWS Is It Time To Revisit Byline Bancorp (BY) After Its Strong 1 Year Share Price Gain? - Yahoo Finance — Yahoo Finance positive
- NEWS Byline Bancorp (BY) upgraded to buy: Here's why - MSN — MSN positive
- NEWS KBW Keeps Their Hold Rating on Byline Bancorp (BY) - The Globe and Mail — The Globe and Mail neutral
- NEWS President Trump: Surprised by stock market comeback amid Iran war, thought Dow would be down 20% - CNBC — CNBC negative
- NEWS Trump surprised by stock market comeback amid Iran conflict, thought Dow would be down 20% - CNBC — CNBC negative
Generated 2026-07-06T04:40:26Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMCustomercommercial deposits43%10-K Item 1: 'As of December 31, 2025, commercial deposits accounted for 43.0% of total deposits and were 85.1% of non-interest bearing deposits.'
- LOWCustomertop 50 customers14%10-K Item 1: 'our top 50 customers accounting for approximately 13.6% of all deposits as of December 31, 2025'
- HIGHloan_portfoliocore deposits87%10-K Item 1: 'As of December 31, 2025, core deposits represented 87.0% of our total deposits.'
- MEDIUMGeographicChicago metropolitan area and Illinois10-K Item 1A: 'with the majority of these real estate loans concentrated in the Chicago metropolitan area and the State of Illinois'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $37.44, but acceptable to hold if already in. Reasons: Concentration risk — Loan Portfolio: core deposits (87.0%); Analyst target reached - limited upside remaining. Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $38.05 (+1.6%), stop $35.84 (−4.5%), A.R:R -1.1:1. Score 6.3/10, moderate confidence.
Take-profit target: $38.05 (+1.6% upside). Target $38.05 (+1.6%), stop $35.84 (−4.5%), A.R:R -1.1:1. Stop-loss: $35.84.
Concentration risk — Loan Portfolio: core deposits (87.0%); Analyst target reached - limited upside remaining; Near 52-week high (3.6% away).
Byline Bancorp, Inc. trades at a P/E of 12.2 (forward 11.1). TrendMatrix value score: 7.7/10. Verdict: Hold.
13 analysts cover BY with a consensus score of 4.0/5. Average price target: $37.
What does Byline Bancorp, Inc. do?Byline Bancorp is the Chicago-based holding company for Byline Bank, a full-service commercial bank serving small and...
Byline Bancorp is the Chicago-based holding company for Byline Bank, a full-service commercial bank serving small and medium-sized businesses, commercial real estate and financial sponsors through 44 branches in the Chicago metro area and one in Wisconsin. At December 31, 2025, the company had $9.7 billion in total assets, $7.5 billion in gross loans and leases, and $7.6 billion in deposits, earning revenue from commercial lending, SBA/USDA government-guaranteed loans, small-ticket equipment leasing and wealth management. Byline was the tenth most active SBA 7(a) loan originator nationally and