BY
Financial ServicesByline Bancorp, Inc. · Banks - Regional · $2B
What is Byline Bancorp, Inc.?
Byline Bancorp is a Chicago-based bank holding company serving small and medium-sized businesses, commercial real estate clients, and consumers across the greater Chicago metropolitan area and into Wisconsin.
Byline Bank generates revenue through traditional lending — term loans, revolving credit lines, construction financing, and SBA loans — alongside commercial deposits and treasury management. The bank also serves private equity-backed lower middle market companies with senior secured financing and offers wealth management, trust, and investment advisory services to high-net-worth individuals and institutions.
Founded in 1914 and headquartered in Chicago, Illinois, Byline Bancorp adopted its current name in 2015.
- Small business and SBA lending
- Commercial real estate and construction financing
- Treasury management and commercial deposits
- Wealth management and trust services
Is BY a Good Stock to Buy?
UQS Score rates BY as Below Average overall, reflecting meaningful headwinds across several key pillars.
The Quality pillar stands out as the relative bright spot, suggesting the bank maintains reasonable operational discipline. Valuation is rated Attractive, meaning the stock may be priced below what its fundamentals would typically command.
The Moat, Growth, and Risk pillars all register as Weak — pointing to limited competitive differentiation, subdued expansion prospects, and elevated risk factors that investors should weigh carefully.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BY pay dividends?
Yes — Byline Bancorp, Inc. pays a dividend.
Byline Bancorp pays a regular dividend, consistent with many community and regional banks that return capital to shareholders. The dividend reflects the bank's preference for distributing a portion of earnings rather than pursuing aggressive reinvestment. Income-oriented investors may find this cadence appealing, though the Weak Growth and Risk pillar ratings warrant consideration alongside any yield assessment.
When does BY report earnings?
Byline Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's Quality pillar rating suggests reasonable earnings consistency relative to its size, though the Weak Growth pillar indicates that top-line expansion has been limited. Risk factors in the current rate environment add further complexity to near-term results.
For the most recent quarter's results and guidance, visit Byline Bancorp's investor relations page directly.
BY Price History
+54.3% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Byline Bancorp, Inc.?
Based on Byline Bancorp, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
BY Long-term Outlook
The combination of a Weak Growth pillar and Weak Risk pillar suggests a cautious fundamental outlook for BY. While the Attractive Valuation rating indicates the market may already be pricing in these challenges, meaningful re-rating would likely require improvement in loan growth or a more favorable credit environment. The Good Quality pillar provides some stability, but does not offset the broader headwinds.
Growth drivers
- Potential expansion of SBA and USDA lending programs
- Deepening wealth management and trust service relationships
- Organic growth within the Chicago metropolitan market
Key risks
- Elevated Risk pillar rating signals credit or balance sheet vulnerabilities
- Limited competitive moat in a crowded regional banking landscape
- Weak Growth pillar points to constrained revenue expansion
BY vs Peers
Byline Bancorp competes with other small-cap regional and community banks, each with distinct lending focuses and geographic footprints.
QCR Holdings operates across multiple Midwest markets with a focus on commercial banking and leasing, giving it broader geographic diversification than Byline's Chicago-centric model.
Triumph Financial has carved out a niche in transportation and payments-focused financial services, differentiating it from Byline's more traditional community banking approach.
Bank First operates primarily in Wisconsin with a community banking model, making it a geographic neighbor but with a smaller commercial lending emphasis than Byline.
Frequently Asked Questions
What does Byline Bancorp do?
Byline Bancorp is the holding company for Byline Bank, which provides lending, deposit, treasury management, and wealth management services to small and medium-sized businesses, commercial real estate clients, and consumers. It operates primarily across the Chicago metropolitan area, with one additional branch in Wisconsin.
Does BY pay dividends?
Yes, Byline Bancorp pays a regular dividend. This is common among community and regional banks that distribute a portion of earnings to shareholders. Investors should review the current dividend details on Byline's investor relations page for the latest payout information.
When does BY report earnings?
Byline Bancorp follows a standard quarterly earnings reporting schedule. For exact dates of upcoming earnings releases, check the company's investor relations page or a financial calendar service.
Is BY a good stock to buy?
UQS Score rates BY as Below Average overall. While the Quality pillar is Good and Valuation is Attractive, the Moat, Growth, and Risk pillars are all rated Weak. Investors should weigh these factors carefully. The full pillar breakdown is available to UQS Pro members.
Is BY overvalued?
The UQS Valuation pillar for BY is rated Attractive, suggesting the stock is not considered overvalued relative to its fundamentals. However, an attractive price alone does not offset the Weak Growth and Risk ratings — context across all five pillars matters.
How does BY compare to its competitors?
Byline Bancorp competes with regional peers like QCR Holdings, Triumph Financial, and Bank First Corporation. Each has a distinct geographic or business model focus. UQS Pro members can view side-by-side pillar comparisons to see how BY stacks up quantitatively.
What is BY's market cap bracket?
Byline Bancorp is classified as a small-cap company. This places it among smaller regional banks, which typically carry higher volatility and less analyst coverage than large-cap financial institutions.
Who founded Byline Bancorp?
The bank traces its origins to 1914, making it a long-standing community banking institution. It operated under the name Metropolitan Bank Group before rebranding as Byline Bancorp in 2015. Founding leadership details are available through public historical records and the company's own disclosures.
Is BY a long-term quality investment?
As a long-term quality indicator, UQS rates BY as Below Average. The Weak Moat pillar suggests limited durable competitive advantages, and the Weak Growth pillar points to constrained expansion. The Good Quality and Attractive Valuation ratings offer partial offsets, but the overall profile warrants careful consideration for long-term holders.
What is the main competitive advantage of Byline Bancorp?
Byline's primary advantage lies in its deep roots in the Chicago market and its specialized lending capabilities — including SBA loans, private equity-backed middle market financing, and equipment financing. However, the UQS Moat pillar rates these advantages as Weak relative to broader sector peers.
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Pro Analysis
BY — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 48.3 | 80.2 | 19.0 | 23.5 | 32.0 | 93.1 | 0.0 |
| May 19, 2026 | 48.3 | 80.2 | 19.0 | 23.5 | 32.0 | 93.3 | 0.0 |
| May 16, 2026 | 48.3 | 80.2 | 19.0 | 23.5 | 32.0 | 93.5 | 0.0 |
| May 15, 2026 | 48.3 | 80.2 | 19.0 | 23.5 | 32.0 | 93.1 | 0.0 |
| May 14, 2026 | 48.3 | 80.2 | 19.0 | 23.5 | 32.0 | 93.2 | 0.0 |
| May 12, 2026 | 48.3 | 80.2 | 19.0 | 23.5 | 32.0 | 93.1 | +0.1 |
| May 11, 2026 | 48.2 | 80.2 | 19.0 | 23.5 | 32.0 | 92.8 | +0.3 |
| May 10, 2026 | 47.9 | 80.2 | 19.0 | 23.5 | 32.0 | 91.0 | +3.6 |
| May 9, 2026 | 44.3 | 80.2 | 19.0 | 4.7 | 32.0 | 91.8 | -3.7 |
| May 8, 2026 | 48.0 | 80.2 | 19.0 | 23.5 | 32.0 | 91.2 | 0.0 |
BY — Pillar Breakdown
Quality
— 80.2/100 (25%)Byline Bancorp, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 23.5/100 (20%)Byline Bancorp, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 32.0/100 (15%)Byline Bancorp, Inc. presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 92.6/100 (15%)Byline Bancorp, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 19/100 (25%)Byline Bancorp, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BY.
Score Composition
Financial Data
More Stock Analysis
How is the BY UQS Score Calculated?
The UQS (Unified Quality Score) for Byline Bancorp, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Byline Bancorp, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Byline Bancorp, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.