ScoreComparison
Why is Byline Bancorp, Inc. ?
1
High Profitability with a Net Interest Margin of 9.35%
2
Strong Long Term Fundamental Strength with a 22.40% CAGR growth in Net Profits
3
Healthy long term growth as Net profit has grown by an annual rate of 22.40%
4
Positive results in Jun 25
- NII(Q) Highest at USD 95.97 MM
- CASH AND EQV(HY) Highest at USD 148.56 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
5
With ROA of 0.73%, it has a fair valuation with a 1.11 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -2.96%, its profits have risen by 2.2% ; the PEG ratio of the company is 10.6
6
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 14.11% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -2.96% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Byline Bancorp, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Byline Bancorp, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Byline Bancorp, Inc.
12.17%
1.39
27.11%
S&P 500
13.66%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.99%
EBIT Growth (5y)
16.35%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
13.07%
Pledged Shares
0
Institutional Holding
56.10%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.11
EV to EBIT
9.96
EV to EBITDA
9.32
EV to Capital Employed
1.09
EV to Sales
2.62
PEG Ratio
10.57
Dividend Yield
62.80%
ROCE (Latest)
10.96%
ROE (Latest)
10.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
NII(Q)
Highest at USD 95.97 MM
CASH AND EQV(HY)
Highest at USD 148.56 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 114.61 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 26.96 %
Here's what is working for Byline Bancorp, Inc.
NII
Highest at USD 95.97 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Cash and Eqv
Highest at USD 148.56 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
CASA
Highest at 12.83%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Byline Bancorp, Inc.
Operating Cash Flow
Lowest at USD 114.61 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit Margin
Lowest at 26.96 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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