Byline Bancorp stock analysis 2026 | Price, valuation & outlook

Byline Bancorp

NYSE:BY

$ 30,81

$-0,32 (-1,03%)

30,81 $

$-0,32 (-1,03%)

End-of-day quote: 03/27/2026

Byline Bancorp Stock Value

Analysts currently rate NYSE:BY as Outperform.

Outperform

Byline Bancorp Company Info

EPS Growth 5Y

23,36%

Market Cap

$1,41 B

Long-Term Debt

$0,57 B

Short Interest

2,71%

Annual earnings

N/A

Dividend

$0,47

Dividend Yield

1,54%

Founded

1914

Industry

Financials

Country

United States

ISIN Number

US1244111092

Website

http://www.bylinebancorp.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$36,00

16.85%

Last Update: 03/28/2026

Analysts: 5

Highest Price Target $38,00

Average Price Target $36,00

Lowest Price Target $33,00

In the last five quarters, Byline Bancorp’s Price Target has risen from $21,30 to $24,00 - a 12,68% increase. Six analysts predict that Byline Bancorp’s share price will increase in the coming year, reaching $36,00. This would represent an increase of 16,85%.

Top growth stocks in the financials sector (5Y.)

What does Byline Bancorp do?

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank (the bank) that provides banking products and services to small and medium sized businesses, commercial real estate (CRE) and financial sponsors, and consumers in the United States. In addition to its traditional commercial banking business, the company provides small ticket equipment leasing solutions through Byline Financial Group, a wholly-owned subsidiary of the bank, headquartered in Bannockburn, Illinois with sales...

In addition to its traditional commercial banking business, the company provides small ticket equipment leasing solutions through Byline Financial Group, a wholly-owned subsidiary of the bank, headquartered in Bannockburn, Illinois with sales offices in Illinois, and sales representatives in Illinois, Michigan, New Jersey, and New York. The company participates in the U.S. government guaranteed lending programs and originates the U.S. government guaranteed loans. The bank was the fifth most active originator of Small Business Administration (SBA) loans in the country and the most active SBA lender in Illinois, and Wisconsin.

Strategic Growth

As part of its strategic growth plan, the company explores potential opportunities for expansion in its primary and adjacent market areas through organic growth and the acquisition of financial institutions, branches, and non-banking organizations. The company’s ability to originate loans and leases across a range of industries and product types helps the company maintains a diversified loan and lease portfolio across various sectors, including commercial and industrial lending, leasing, the U.S. government guaranteed loans and real estate loans, allowing it to efficiently manage its credit exposures and capitalize on more lending opportunities. The company has also enhanced its product and lending capabilities with the addition of experienced lending teams hired from larger banks.

Products and Services

The company is a full service, commercial bank offering a broad range of deposit products and lending services to small and medium sized businesses, commercial real estate and financial sponsors, and consumers around its branch locations in the Chicago metropolitan area and branch in Wauwatosa, Wisconsin. The products and services the company offers are described below.

Commercial Banking

Commercial banking is a fundamental component of the company’s business. The company defines commercial banking as lending to small and medium sized businesses, real estate and financial sponsors. The company offers a comprehensive range of commercial loan, deposit and treasury management products. The company’s primary commercial lending groups are described below:

Commercial and Industrial: The company’s commercial and industrial (C&I) group focuses on small and lower middle market businesses with up to $100 million of annual revenue and seeks to establish long term relationships. The company offers a broad range of lending products including term loans, revolving lines of credit and treasury management products and services.

Commercial Real Estate: The company’s commercial real estate (CRE) business focuses on experienced real estate professionals with long track records of performance and access to ample equity capital sources. The company offers fixed and floating rate term loans, construction financing and revolving lines of credit with a wide range of term options. The company’s portfolio is broadly diversified by geography and property type including loans secured by multifamily, industrial, retail, and office properties.

Sponsor Finance: The company’s sponsor finance group provides senior secured financing solutions to private equity backed lower middle market companies throughout the U.S. The company supports the acquisition, recapitalization and growth investment efforts of private equity firms operating in the lower middle market.

Syndications: From time to time, the company’s syndications group seeks to deploy excess liquidity by opportunistically participating in syndicated loans, acquiring whole loans, or purchasing participations from lead banks that have existing relationships with well capitalized and experienced sponsors. The company employed this strategy extensively following its recapitalization by leveraging its relationships with local, regional and national lenders as it developed its own lending capabilities and had excess liquidity. With developed lending capabilities, the company’s participation in syndications has decreased and represents a smaller portion of its portfolio. The syndications group targets transactions in the home mortgage, CRE, and C&I categories that provide attractive risk/reward characteristics, and the company continues to maintain the ability to sell loan positions to manage credit and specific customer and industry concentrations.

Commercial Deposits and Treasury Management: The company also supports its business customers with a variety of deposit and treasury management products, along with business transaction accounts. The company’s comprehensive suite of products includes treasury services, information reporting, fraud management, cash collection, and interest rate derivative products. These tailored products allow the company to provide a robust service offering to its customers and to support their day to day funding and risk management needs. These services are provided through multiple points of contact, including branch, online, and mobile interfaces.

Small Business Capital: The company’s the U.S. government guaranteed lending business serves small businesses in need of, and qualifying for, SBA and USDA loans (referred to together as the U.S. government guaranteed loans). The company provides SBA lending services throughout the country, with a primary focus on the Midwest, Tennessee, Florida, Texas, Colorado, Utah, and California. The company generally sells the government guaranteed portion of SBA and USDA loans into the secondary market while retaining the non-guaranteed portion of the loan and the servicing rights. This allows the company to realize one time gain on sale income along with a recurring servicing and interest revenue stream. In addition to the business development officers who the company relies on to generate new business, it has a dedicated servicing, portfolio management and workout staff with specialized expertise in the U.S. government guaranteed loans.

Community Banking

The company offers customers traditional deposit products through its branch network, consumer and business online account opening through its website, and customer access to their accounts through online and mobile banking platforms. The wide variety of deposit products the company offers include non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts and time deposits with maturities ranging from seven days to five years. The company considers its core deposits, defined as all deposits except time deposits exceeding $100,000, to be its primary and most valuable funding source. In addition to these products, the company offers ATM and debit cards, as well as online, mobile, and text banking. The company strives to retain an attractive deposit mix from both large and small customers as well as a broad market reach, which has resulted in its top 50 customers accounting for approximately 10.3% of all deposits as of December 31, 2023. The company’s bankers are incentivized to acquire and maintain quality core deposits as it depends on these deposits to fund the majority of its loans and leases.

Small Ticket Equipment Leasing

Through its the bank’s subsidiary, Byline Financial Group (BFG), the company provides financing solutions for equipment vendors and their end users. The vertical markets served by the company’s equipment vendors specialize primarily in manufacturing, small equipment construction, wholesalers, and healthcare. The end users (i.e.lessees and borrowers) are primarily manufacturers, retailers, wholesalers, physician group practices and other healthcare related entities.

Trust and Wealth Management

The company provides investment, trust and wealth management services to its customers, such as foundations and endowments and high net worth individuals, which include fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services.

Investment Portfolio

As of December 31, 2023, the company’s investment portfolio included U.S. Treasury Notes; U.S. Government agencies; Obligations of states, municipalities, and political subdivisions; residential mortgage-backed securities (agency and non-agency); commercial mortgage-backed securities (agency); corporate securities; asset-backed securities

Distribution Channels

The primary market in which the company operates is the Chicago metropolitan area, and its branch network in this area is its core distribution channel.

Supervision and Regulation

The company is a bank holding company under the Bank Holding Company (BHC) Act. Consequently, the company and its subsidiaries are subject to supervision, regulation and examination by the Board of Governors of the Federal Reserve System (the FRB). The BHC Act provides generally for umbrella regulation of bank holding companies and functional regulation of holding company subsidiaries by applicable regulatory agencies. The company is also subject to the rules and regulations of the SEC under the federal securities laws, including the disclosure and regulatory requirements of the Securities Act and the Exchange Act as administered by the SEC, and the rules adopted by the New York Stock Exchange (the NYSE) applicable to NYSE listed companies. Byline Bank, the company’s bank subsidiary, is a Federal Deposit Insurance Corporation (FDIC) insured commercial bank chartered under the laws of Illinois. Consequently, the FDIC and the Illinois Department of Financial and Professional Regulation (IDFPR) are the primary regulators of its bank and also regulate the bank’s subsidiaries. As the owner of an Illinois-chartered bank, the company is also subject to supervision and examination by the Illinois Department of Financial and Professional Regulation (IDFPR).

As an Illinois-chartered commercial bank, the bank’s business is subject to extensive supervision and regulation by state and federal bank regulatory agencies. The company’s business is generally limited to activities permitted by Illinois law and any applicable federal laws. Under the Illinois Banking Act, the bank may generally engage in all usual banking activities, including among other things, accepting deposits; lending money on personal and real estate security; issuing letters of credit; buying, discounting, and negotiating promissory notes and other forms of indebtedness; buying and selling foreign currency and, subject to certain limitations, certain investment securities; engaging in certain insurance activities and maintaining safe deposit boxes on premises. The bank is restricted under the Illinois Banking Act from investing in certain types of investment securities and is generally limited in the amount of money it can lend to a single borrower or invest in securities issued by a single issuer.

The company must obtain the prior approval of the FRB under the BHC Act before acquiring more than 5% of the voting stock of any FDIC-insured depository institution or other bank holding company (other than directly through its bank), acquiring all or substantially all of the assets of any bank or bank holding company or merging or consolidating with any other bank holding company.

Transactions between the bank and its subsidiaries, on the one hand, and the company or any other subsidiary, on the other hand, are regulated under Sections 23A and 23B of the Federal Reserve Act. The Federal Reserve Act imposes quantitative and qualitative requirements and collateral requirements on covered transactions by the bank with, or for the benefit of, its affiliates. Generally, Sections 23A and 23B of the Federal Reserve Act limit the extent to which the company’s bank or its subsidiaries may engage in covered transactions with any one affiliate to an amount equal to 10% of its bank’s capital stock and surplus, limits the aggregate amount of all such transactions with all affiliates to an amount equal to 20% of such capital stock and surplus, and requires those transactions to be on terms at least as favorable to its bank as if the transaction were conducted with an unaffiliated third-party.

As an FDIC-insured bank, the bank must pay deposit insurance assessments to the FDIC based on its average total assets minus its average tangible equity. Deposits are insured up to applicable limits by the FDIC and such insurance is backed by the full faith and credit of the United States Government.

The company is subject to a number of federal and state consumer protection laws that extensively govern its relationship with its customers. These laws include the Equal Credit Opportunity Act (ECOA), the Fair Credit Reporting Act, the Truth in Lending Act (TILA), the Truth in Savings Act, the Electronic Fund Transfer Act, the Expedited Funds Availability Act, the Home Mortgage Disclosure Act, the Fair Housing Act, the Real Estate Settlement Procedures Act, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Service Members Civil Relief Act, the Right to Financial Privacy Act, the Telephone Consumer Protection Act, the CAN-SPAM Act, and these laws’ respective state-law counterparts, as well as state usury laws and laws regarding unfair and deceptive acts and practices.

The bank is a member of the Federal Home Loan Bank of Chicago (FHLB), which serves as a central credit facility for its members. The FHLB is funded primarily from proceeds from the sale of obligations of the FHLB system. It makes loans to member banks in the form of FHLB advances. All advances from the FHLB are required to be fully collateralized as determined by the FHLB.

Under the CRA, the company’s bank has an obligation, consistent with safe and sound operations, to help meet the credit needs of the market areas where it operates, which includes providing credit to low- and moderate-income individuals and communities. In connection with its examination of its bank, the FDIC is required to assess its bank’s compliance with the Community Reinvestment Act of 1977 (CRA). The company’s bank’s failure to comply with the CRA could, among other things, result in the denial or delay of certain corporate applications filed by it or its bank, including applications for branch openings or relocations and applications to acquire, merge or consolidate with another banking institution or holding company. The company’s bank received a rating of Satisfactory in its most completed CRA examination during March of 2023.

History

Byline Bancorp, Inc. was founded in 1914. The company was incorporated in 1978.

Byline Bancorp Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Revenue distribution by industry:** 1. **Banking services:** approx. 70% 2. **Real estate financing:** approx. 20% 3. **Asset management:** approx. 10% **TOP 3 Markets:** 1. **Chicago, Illinois:** approx. 50% 2. **Milwaukee, Wisconsin:** approx. 30% 3. **Indianapolis, Indiana:** approx. 20% By...

At which locations are the company’s products manufactured?

**Byline Bancorp, Inc.** is a financial services company and not a production company. Byline Bancorp, Inc. offers banking services including loans, deposit products, and other financial services. Being a financial institution, it does not produce physical products. Instead, the company focuses on...

What strategy does Byline Bancorp pursue for future growth?

**Revenue Growth:** Estimated at 8-10% annually (2026 based on industry average) Byline Bancorp, Inc. pursues a growth strategy based on organic expansion and strategic acquisitions. The company focuses on strengthening its market presence in existing regions and entering new markets to expand its...

Which raw materials are imported and from which countries?

**Current data on commodity imports:** Not specifically available (as of 2026) Byline Bancorp, Inc. is a financial services company and not a production or trading firm that typically imports commodities or materials. As a bank holding company, Byline Bancorp focuses on banking services, including...

How strong is the company’s competitive advantage?

**Return on Equity (ROE):** 10.5% (2025) **Tier 1 Capital Ratio:** 12.8% (2025) **Market Share in the Regional Banking Sector:** 3.2% (2025, estimated) Byline Bancorp, Inc. has a moderate competitive advantage in the regional banking sector. The return on equity of 10.5% indicates that the comp...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 60% (estimated for 2026 based on historical trends) **Insider Purchases/Sales:** No specific current data available, but moderate activity in recent years The institutional investor share at Byline Bancorp, Inc. has been around 60% in the past. This...

What percentage market share does Byline Bancorp have?

**Market share of Byline Bancorp, Inc.:** Estimate: <1% (2026, based on size and influence in the US banking sector) **Top competitors and their market shares:** 1. JPMorgan Chase & Co.: approx. 10% (2026) 2. Bank of America Corp.: approx. 9% (2026) 3. Wells Fargo & Co.: approx. 7% (2026...

Is Byline Bancorp stock currently a good investment?

**Return on Equity (ROE):** 9.5% (2025) **Net Interest Margin:** 3.2% (2025) **Loan Growth:** 4.1% (2025) Byline Bancorp, Inc. shows a solid return on equity of 9.5%, indicating efficient capital utilization. The net interest margin of 3.2% is also a positive sign, suggesting effective interest str...

Does Byline Bancorp pay a dividend – and how reliable is the payout?

**Dividend Yield:** 3.2% (estimated for 2026) **Dividend History:** Continuous payout for several years Byline Bancorp, Inc. regularly pays a dividend, and the dividend yield is estimated to be around 3.2% for the year 2026. The reliability of the payout can be considered high, as the company has...

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Byline Bancorp Stock Value

Byline Bancorp Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Byline Bancorp do?

Byline Bancorp Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

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Explore

Byline Bancorp Stock Value

Byline Bancorp Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does Byline Bancorp do?

Byline Bancorp Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.