BY · Byline Bancorp, Inc.
Market Cap
$1.73B
Shares
45.19M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$38.30
Open$38.28
Day$38.07–38.41
52W close$25.72–39.78
Avg vol 30d249K
Short int867K · 1.9% float · 4.5d
Short vol69%
Last earningsJul 24, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 8 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
Strong
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+16%
above
Price vs 50-day avg
+1%
above
RSI (14)
48
neutral
MACD trend
Negative
52-week position
89%
near high
Momentum
relative strength
1-month return
−2%
trailing
6-month return
+24%
trailing
YTD return
+31%
this year
Relative strength
+10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $38 › 200d $33 — 50d above 200d
Institutional flow
Accumulating
+11% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$24.3M over 90 days · 67% sells
Short interest
Falling
1.92% of float · ▼ -1.2% MoM · 4.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
208 holders — near 3-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
EPS growth
+5%
Y/Y
Free cash flow
$136.3M
Valuation
P/E 11.5
below peers
Quant / Vol
risk profile
Volatility
22%
annualized · 1-yr
Max drawdown
−13%
past year
ATR
1.6%
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 Jun 30, 2026
Fee income
· third quarter
$14M – $15M
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2023
Net interest margin
· fourth quarter
4.1% – 4.15%
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
+16%
Bullish
Price vs 50-day avg
+1%
Bullish
RSI (14)
48
Neutral
MACD trend
Negative
Bearish
52-week position
89%
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
+11% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$24.3M over 90 days · 67% sells
Short interest
Falling
1.92% of float · ▼ -1.2% MoM · 4.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
208 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $26
Now $38 · 89%
Range high $40
vs 200-day avg +16%
vs 50-day avg +1%
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 | — |
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| Adjusted EPS non-GAAP | $0.91 | 2Q26 | — |
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GAAP → non-GAAP reconciliationGAAP Reported Diluted Earnings per Share $0.9
+$0.01 Impairment charges on assets held for sale
+$0 Merger-related expenses
+$0 Secondary public offering of common stock expenses
+$0 Tax benefit
= Adjusted Diluted Earnings per Share $0.91
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| Adjusted non-interest expense to average assets non-GAAP | 2.27% | Q2 2026 | — |
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| Adjusted pre-tax pre-provision return on average assets non-GAAP | 2.51% | Three Months Ended June 30, 2026 | — |
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| Adjusted return on average assets non-GAAP | 1.65% | Three Months Ended June 30, 2026 | — |
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| Adjusted return on average stockholders' equity non-GAAP | 12.16% | Three Months Ended June 30, 2026 | — |
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| Adjusted return on average tangible common stockholders' equity non-GAAP | 14.6% | Q2 2026 | — |
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| Available borrowing capacity | 2.4B | Q2 2026 | — |
| Average loan yield | 6.84% | Q2 2026 | — |
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| Book value per common share | $28.86 | As of June 30, 2026 | — |
| Branch locations | 44 | 2Q26 | — |
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| CET1 | 12.92% | Q2 2026 | — |
| Commercial accounts | 28,000 | Q2 2026 | — |
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| 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 | — |
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| Consumer average account balance | $32,000 | Q2 2026 | — |
| Consumer deposits | 3.7B | Q2 2026 | — |
| Cost of interest-bearing deposits | 2.49% | Q2 2026 | — |
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| Deposit costs | 1.92% | Q2 2026 | — |
| Deposits per branch | $178.88M | Three Months Ended June 30, 2026 | — |
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| 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 | — |
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| 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 | — |
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| Non-performing assets | 72.2M | 2Q26 | — |
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| 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 | — |
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| Return on average assets | 1.63% | Three Months Ended June 30, 2026 | — |
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| Return on average stockholders' equity | 12.05% | Three Months Ended June 30, 2026 | — |
| ROTCE non-GAAP | 14.47% | 2Q26 | — |
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| 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 | — |
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| Tangible common equity to tangible assets non-GAAP | 11.36% | 2Q26 | — |
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| Taxable securities yield | 3.52% | Q2 2026 | — |
| TCE/TA non-GAAP | 11.36% | 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 | — |
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| Uninsured deposits ratio | 33.8% | Q2 2026 | — |
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| Adjusted pre-tax pre-provision net income non-GAAP | 55.21M | Three Months Ended March 31, 2026 | — |
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| Adjusted tangible net income non-GAAP | $38.49M | Q1 2026 | — |
| Average Commercial Account Balance | $144,000 | Q1 2026 | — |
| Average Consumer Account Balance | $31,000 | Q1 2026 | — |
| Average cost of deposits | 1.91% | Q1 2026 | — |
| Average cost of total deposits | 1.91% | 1Q26 | — |
| Average tangible assets | 9.6B | Three Months Ended March 31, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Average total assets 9.8B
-199.94M Average goodwill and other intangibles
= Average tangible assets 9.6B
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| Average tangible common stockholders' equity | 1.13B | Three Months Ended March 31, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Average total stockholders' equity 1.33B
-199.94M Average goodwill and other intangibles
= Average tangible common stockholders' equity 1.13B
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| Chicagoland Branch Locations | 44 | Q1 2026 | — |
| Dividend payout ratio on common stock | 14.46% | Q1 2026 | — |
| Loans and leases / total deposits | 95.94% | Q1 2026 | — |
| Net interest margin, fully taxable equivalent | 4.34% | Three Months Ended March 31, 2026 | — |
| Net interest spread | 3.54% | Three Months Ended March 31, 2026 | — |
| Non-interest expense to average assets | 2.37% | Q1 2026 | — |
| Pre-tax pre-provision net income | 55.21M | Three Months Ended March 31, 2026 | — |
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GAAP → non-GAAP reconciliationGAAP Pre-tax income 49.68M
+5.54M Provision for credit losses
= Pre-tax pre-provision net income 55.21M
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| Provision for credit losses - loans and leases to net charge-offs - loans and leases | 1.01 | Three Months Ended March 31, 2026 | — |
| Tangible assets | 9.71B | As of March 31, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Total assets 9.91B
-199.29M Goodwill and other intangibles
= Tangible assets 9.71B
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| Tangible book value per share | $23.79 | As of March 31, 2026 | — |
| Tangible common stockholders' equity | 1.08B | As of March 31, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Total stockholders' equity 1.28B
-199.29M Goodwill and other intangibles
= Tangible common stockholders' equity 1.08B
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| Tangible net income | 38.49M | Three Months Ended March 31, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net income 37.58M
+912K After-tax intangible asset amortization
= Tangible net income 38.49M
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| Tax equivalent net interest income non-GAAP | 100.06M | Three Months Ended March 31, 2026 | — |
GAAP → non-GAAP reconciliationGAAP Net interest income $99.86M
+$196K Add: Tax-equivalent adjustment
= Tax equivalent net interest income $100.06M
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| Tax-equivalent net interest margin non-GAAP | 4.34% | 1Q26 | — |
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| Total non-performing loans and leases as a percentage of total loans and leases | 0.9% | As of March 31, 2026 | — |
| Total non-performing loans and leases not guaranteed as a percentage of total loans and leases | 0.8% | As of March 31, 2026 | — |
| Adjusted Net Income non-GAAP | $34.67M | Three Months Ended December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Reported Net Income 34.52M
+0K Merger-related expenses
+0K Secondary public offering of common stock expenses
+0K Loss on extinguishment of debt
+195K Impairment charges on assets held for sale and ROU assets
-50K Tax benefit
= Adjusted Net Income 34.67M
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| Adjusted non-interest expense non-GAAP | $60.17M | Three Months Ended December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Non-interest expense 60.37M
+0K Less: Merger-related expenses
+0K Less: Secondary public offering of common stock expenses
+0K Less: Loss on extinguishment of debt
-195K Less: Impairment charges on assets held for sale and ROU assets
= Adjusted non-interest expense 60.37M
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| Adjusted non-interest expense excluding amortization of intangible assets non-GAAP | $58.68M | Three Months Ended December 31, 2025 | — |
GAAP → non-GAAP reconciliationGAAP Adjusted non-interest expense 60.17M
-1.49M Less: Amortization of intangible assets
= Adjusted non-interest expense excluding amortization of intangible assets 58.68M
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| Provision for credit losses - loans and leases to net charge-offs - loans and leases during the | 1.27 | FY2025 | — |
| Provision for credit losses to net charge-offs | 1.46 | Three Months Ended December 31, 2025 | — |
| PTPP net income non-GAAP | $209.4M | FY2025 | — |
| Repurchased common shares | 345,706 | 4Q25 | — |
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 | +31.4% | — | 11.5 | 1.9% |
|
MFG
Mizuho Financial Group Inc
|
$126.83B | +45.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$115.38B | -36.8% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$107.15B | +0.3% | — | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$106.80B | +26.1% | — | — | 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 | +0.1% | -2.5% | +23.8% | -2.5% | +31.4% |
| SPY | +0.5% | +3.0% | +13.4% | +3.0% | +12.8% |
| vs SPY | -0.3% | -5.5% | +10.3% | -5.5% | +18.6% |
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)
177 filings
177 filers
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