Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Byline Bancorp, Inc. (BY)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
$38.04-2.59%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
3.43 → 3.60 EPS · FY ending Dec 31, 2027 · 5 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 5 to 5; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for BY yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
Three published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Optimize capital allocation with no material negative impact from new financial obligations | The company is cheap with a P/E below peers and has a solid capital allocation plan. | Intact | material negative impact from financial obligations reported | Qualitative condition This condition has no defined numerical measure. Nov 4, 2026Last status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
BY is a regional bank with a growth-through-expansion thesis, rather than a turnaround story. The thesis is intact, supported by strong recent performance, though management’s progress on expense control is mixed.
Valuation is tagged as stretched and is about 1.09 times the peer level, while the expectations gap is modest and aligned. The valuation measure rose from 42.4 to 54.3, so expectations appear less forgiving than before, though the evidence does not show concentrated fragility.
Near term, the latest quarter showed revenue rising from $117.7 million to $121.0 million, and BY reported an earnings beat. Expense growth and a higher efficiency ratio point to weaker cost discipline this quarter; the proposed Illinois State Bancorp transaction adds a growth opportunity, but its completion remains ahead.
The multi-year view hinges on whether BY can expand its Chicago presence while keeping expenses disciplined and delivering on the proposed acquisition. Near term, a guidance cut would be a meaningful negative, while continued strength from financial-sector peers could support sector momentum; the rate outlook is another risk, since the evidence says rate cuts would weigh on the sector.
For the next 1 to 3 years, BY’s strong recent performance and expansion plans support an intact thesis, but stretched valuation and mixed expense control leave execution important. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A primary condition in Byline Bancorp, Inc.'s published investment case. The stated target is >=0.83 USD per share. |
| Under Pressure |
| EPS falls below $0.83 in 2026-Q1 |
Diluted EPS: $0.94 per share FY2026-Q3; GAAP. Published target: >=0.83 USD per share. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 22, 20260.94 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Increase cash from operating activities to at least $54.6 million in Q1 2026 | Cash from operations improved from $38.3 million to $54.6 million, showing strong cash flow. | Under Pressure | cash from operating activities falls below $54.6 million in 2026-Q1 | Cash from operations: $0 FY2026-Q3; GAAP. Published target: >=54.6 million USD. The stored target says 2026-Q1; this source reports FY2026-Q3. Fiscal/calendar alignment needs review. Oct 22, 20260 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$3.38 → $3.60 · observed estimates
$0.48B → $0.51B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $3.38 | $483,933,200 | 6 / 5 |
| 2026-07-25 | $3.38 | $483,933,200 | 6 / 5 |
| 2026-07-26 | $3.40 | $481,793,200 | 6 / 5 |
| 2026-07-27 | $3.40 | $481,793,200 | 6 / 5 |
| 2026-07-28 | $3.40 | $481,793,200 | 6 / 5 |
| 2026-07-29 | $3.40 | $481,793,200 | 6 / 5 |
| 2026-07-30 | $3.41 | $479,920,800 | 6 / 5 |
| 2026-07-31 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-01 | $3.41 | $479,920,800 | 6 / 5 |
| 2026-08-02 | $3.41 | $479,920,800 | 6 / 5 |
| 2026-08-03 | $3.41 | $479,920,800 | 6 / 5 |
| 2026-08-04 | $3.41 | $479,920,800 | 6 / 5 |
| 2026-08-05 | $3.41 | $479,920,800 | 6 / 5 |
| 2026-08-06 | $3.41 | $479,920,800 | 6 / 5 |
| 2026-08-07 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-08 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-09 | $3.41 | $479,920,800 | 6 / 5 |
| 2026-08-10 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-11 | $3.41 | $479,920,800 | 6 / 5 |
| 2026-08-12 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-13 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-14 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-15 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-16 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-17 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-18 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-19 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-20 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-21 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-22 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-23 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-24 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-25 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-26 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-27 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-28 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-29 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-30 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-08-31 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-01 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-02 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-03 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-04 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-05 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-06 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-07 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-08 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-09 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-10 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-11 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-12 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-13 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-14 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-15 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-16 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-17 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-18 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-19 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-20 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-21 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-22 | $3.41 | $479,920,800 | 5 / 4 |
| 2026-09-23 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-09-24 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-09-25 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-09-26 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-09-27 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-09-28 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-09-29 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-09-30 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-10-01 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-10-02 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-10-03 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-10-04 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-10-05 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-10-06 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-10-07 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-10-08 | $3.43 | $481,000,800 | 5 / 4 |
| 2026-10-09 | $3.45 | $485,880,800 | 5 / 4 |
| 2026-10-10 | $3.49 | $490,880,800 | 5 / 4 |
| 2026-10-11 | $3.49 | $490,880,800 | 5 / 4 |
| 2026-10-12 | $3.49 | $490,880,800 | 5 / 4 |
| 2026-10-13 | $3.49 | $490,880,800 | 5 / 4 |
| 2026-10-14 | $3.49 | $490,880,800 | 5 / 4 |
| 2026-10-15 | $3.49 | $490,880,800 | 5 / 4 |
| 2026-10-16 | $3.51 | $496,066,000 | 3 / 3 |
| 2026-10-17 | $3.51 | $496,066,000 | 3 / 3 |
| 2026-10-18 | $3.51 | $496,066,000 | 3 / 3 |
| 2026-10-19 | $3.51 | $496,066,000 | 3 / 3 |
| 2026-10-20 | $3.51 | $496,066,000 | 3 / 3 |
| 2026-10-21 | $3.51 | $496,066,000 | 3 / 3 |
| 2026-10-22 | $3.51 | $496,066,000 | 3 / 3 |
| 2026-10-23 | $3.51 | $496,066,000 | 3 / 3 |
| 2026-10-24 | $3.52 | $498,503,400 | 3 / 3 |
| 2026-10-25 | $3.52 | $498,503,400 | 3 / 3 |
| 2026-10-26 | $3.52 | $498,503,400 | 3 / 3 |
| 2026-10-27 | $3.52 | $498,503,400 | 3 / 3 |
| 2026-10-28 | $3.60 | $510,063,400 | 3 / 3 |
| 2026-10-29 | $3.60 | $510,063,400 | 5 / 4 |
| 2026-10-30 | $3.60 | $510,063,400 | 5 / 4 |
| 2026-10-31 | $3.60 | $510,063,400 | 5 / 4 |
| 2026-11-01 | $3.60 | $510,063,400 | 5 / 4 |
| 2026-11-02 | $3.60 | $510,063,400 | 5 / 4 |
| 2026-11-03 | $3.60 | $510,063,400 | 5 / 4 |
| 2026-11-04 | $3.60 | $510,063,400 | 5 / 4 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 3 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 1 recorded
1 raises · 0 cuts · 0 unchanged · 0 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.