BY · Byline Bancorp, Inc.
$38.57
+0.24 (+0.61%)
At close · Aug 21
Market Cap
$1.73B
Shares
45.19M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$38.33
Open$37.96
Day$37.69–38.53
52W close$25.72–39.78
Avg vol 30d254K
Short int877K · 1.9% float · 2.8d
Short vol44%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+2%
above
RSI (14)
48
neutral
MACD trend
Negative
52-week position
90%
near high
Momentum
relative strength
1-month return
+2%
trailing
6-month return
+23%
trailing
YTD return
+31%
this year
Relative strength
+12%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $38 › 200d $33 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +35 funds added
Insider flow
Distributing
Net -$24.3M over 90 days · 67% sells
Short interest
Falling
1.94% of float · ▼ -9.8% MoM · 2.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
206 holders — near 3-yr high, broad support
Squeeze score
46
elevated · 0–100
Fundamentals
EPS growth
+5%
Y/Y
Free cash flow
$136.3M
Valuation
P/E 11.6
below peers
Balance sheet
$149.1M
net cash
Quant / Vol
risk profile
Volatility
23%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
1.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Sep 30, 2025
Net interest income
· fourth quarter
$97M – $99M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+2%
Bullish
RSI (14)
48
Neutral
MACD trend
Negative
Bearish
52-week position
90%
Bullish
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $38 › 200d $33 — 50d above 200d
Institutional flow
Accumulating
+10% holders QoQ · +35 funds added
Insider flow
Distributing
Net -$24.3M over 90 days · 67% sells
Short interest
Falling
1.94% of float · ▼ -9.8% MoM · 2.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
206 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $26
Now $38 · 90%
Range high $40
vs 200-day avg +17%
vs 50-day avg +2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| ACL to total loans and leases held for investment | 1.48% | 2Q26 | — |
| ACL/Unguaranteed loan balance | 7.9% | Q2 2026 | — |
| Adjusted efficiency ratio non-GAAP | 46.51% | 2Q26 | — |
| Adjusted EPS non-GAAP | $0.91 | 2Q26 | — |
| Adjusted non-interest expense to average assets non-GAAP | 2.27% | Q2 2026 | — |
| Adjusted pre-tax pre-provision return on average assets non-GAAP | 2.51% | Three Months Ended June 30, 2026 | — |
| Adjusted return on average assets non-GAAP | 1.65% | Three Months Ended June 30, 2026 | — |
| Adjusted return on average stockholders' equity non-GAAP | 12.16% | Three Months Ended June 30, 2026 | — |
| Adjusted return on average tangible common stockholders' equity non-GAAP | 14.6% | Q2 2026 | — |
| Available borrowing capacity | 2.4B | Q2 2026 | — |
| Average loan yield | 6.84% | Q2 2026 | — |
| Book value per common share | $28.86 | As of June 30, 2026 | — |
| Branch locations | 44 | 2Q26 | — |
| CET1 | 12.92% | Q2 2026 | — |
| Commercial accounts | 28,000 | Q2 2026 | — |
| Commercial average account balance | $146,000 | Q2 2026 | — |
| Commercial banking production | 68.9M | Q2 2026 | — |
| Commercial deposits | 4.1B | Q2 2026 | — |
| Consumer accounts | 118,000 | Q2 2026 | — |
| Consumer average account balance | $32,000 | Q2 2026 | — |
| Consumer deposits | 3.7B | Q2 2026 | — |
| Cost of interest-bearing deposits | 2.49% | Q2 2026 | — |
| Deposit costs | 1.92% | Q2 2026 | — |
| Deposits per branch | $178.88M | Three Months Ended June 30, 2026 | — |
| Efficiency ratio non-GAAP | 46.93% | 2Q26 | — |
|
|
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| Gain on sale of loans sold | 6.1M | Q2 2026 | — |
| Government guaranteed loans sold | 78.1M | Q2 2026 | — |
| Investment portfolio annual cash flow | 223M | Q2 2026 | — |
| Investment portfolio duration | 4.5 | Q2 2026 | — |
| Leasing production | 54.2M | Q2 2026 | — |
| Leverage ratio | 12.79% | As of June 30, 2026 | — |
| Net interest margin | 4.28% | Three Months Ended June 30, 2026 | — |
|
|
|||
| Net interest margin (FTE) non-GAAP | 4.29% | Q2 2026 | — |
| NIE/AA | 2.29% | Q2 2026 | — |
| Non-interest income to total revenues | 14.34% | Q2 2026 | — |
| Non-performing assets | 72.2M | 2Q26 | — |
| Originated new loans, net of loan sales | 233.7M | Q2 2026 | — |
| Pre-tax pre-provision net income (PTPP) non-GAAP | 61.23M | 2Q26 | — |
| PTPP ROAA non-GAAP | 2.49% | 2Q26 | — |
|
|
|||
| Return on average assets | 1.63% | Three Months Ended June 30, 2026 | — |
| Return on average stockholders' equity | 12.05% | Three Months Ended June 30, 2026 | — |
| Return on average tangible common stockholders' equity | 14.47% | Q2 2026 | — |
| ROTCE non-GAAP | 14.47% | 2Q26 | — |
|
|
|||
| SBA 7(a) & USDA loans closed | 115.5M | Q2 2026 | — |
| SBA 7(a) portfolio | 442.1M | Q2 2026 | — |
| Shares repurchased | 274,528 | Q2 2026 | — |
| Tangible book value per common share non-GAAP | $24.48 | As of June 30, 2026 | — |
|
|
|||
| Tangible common equity to tangible assets non-GAAP | 11.36% | 2Q26 | — |
| Taxable securities yield | 3.52% | Q2 2026 | — |
| Tier 1 capital ratio | 13.88% | As of June 30, 2026 | — |
| Total deposits | 7.9B | Q2 2026 | — |
| Total loan portfolio | 7.6B | Q2 2026 | — |
| Total payout ratio | 35.9% | 2Q26 | — |
|
|
|||
| Uninsured deposits ratio | 33.8% | Q2 2026 | — |
| CET 1 | 12.55% | First Quarter 2026 | — |
| ROAA | 1.56% | First Quarter 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BY
this stock
Byline Bancorp, Inc.
|
$1.73B | +31.5% | — | 11.6 | 1.9% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BY | -2.4% | +1.8% | +22.9% | -2.4% | +31.5% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -0.4% | -1.5% | +11.7% | -4.5% | +19.7% |
Capital returns
Latest dividend
$0.14
/ share · ex Aug 4, 2026
Paid (TTM)
$0.48
/ share · 4 payouts
Dividend yield (TTM, derived)
1.25%
Buyback program
· as of Dec 11, 2025
Authorized
shares 2.25M
Spent (derived)
—
Remaining
—
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
1702750
CUSIP
124411109
13F (30d)
192 filings
192 filers
Visit website
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