Byline Bancorp, Inc. (BY) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Berkshire Hills Bancorp, Inc.

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S&T Bancorp, Inc.

Byline Bancorp, Inc.

Veritex Holdings, Inc.

Preferred Bank (California)

Southside Bancshares, Inc.

Sandy Spring Bancorp, Inc.

PacWest Bancorp

Why is Byline Bancorp, Inc. ?

High Profitability with a Net Interest Margin of 9.35%

Strong Long Term Fundamental Strength with a 22.40% CAGR growth in Net Profits

Healthy long term growth as Net profit has grown by an annual rate of 22.40%

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

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

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 Report

Verdict Report

How 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.

14.42%

1.39

27.11%

S&P 500

17.78%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

19.05%

EBIT Growth (5y)

17.54%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

13.84%

Pledged Shares

Institutional Holding

56.41%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.07

EV to EBIT

10.46

EV to EBITDA

9.79

EV to Capital Employed

1.05

EV to Sales

2.72

PEG Ratio

Dividend Yield

31.03%

ROCE (Latest)

10.08%

ROE (Latest)

9.98%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bearish

Bullish

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

NII(Q)

Highest at USD 101.25 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 98.19%

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 81.68 MM

GROSS NPA (%)

Here's what is working for Byline Bancorp, Inc.

NII

Highest at USD 101.25 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Credit Deposit Ratio

Highest at 98.19%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

CASA

Highest at 13.29%

in the last five periods

MOJO 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.

Non Performing Loans (%)

Highest at 0.95%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Operating Cash Flow

Lowest at USD 81.68 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)