Byline Bancorp, Inc. (BY)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$38.85+0.34%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · BY
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 7.4% |
| Our one-year growth estimate | diamond | -13.2% |
Growth built into the price is above our model estimate.
The price assumes 20.6 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Model as of 2026-09-04 · Compared with 219 industry peers
BY — credit agreement
Dated 2026-05-22
Entry into a Material Definitive Agreement. As previously disclosed, on May 26, 2023, Byline Bancorp, Inc. (the “Company”) entered into a Second Amended and Restated Term Loan and Revolving Credit Agreement with CIBC Bank USA (the “Lender”). As also previously disclosed, on May 24, 2024, the Company entered into the First Amendment to the Second Amended and Restated Term Loan and Revolving Credit Agreement (the “First Amendment") with the Lender, which was effective May 26, 2024, and provided…
Why it matters: A drop in revenue growth signals a potential slowdown in the financial sector. This could affect overall performance.
Worry ifRevenue growth falls below the median of 15% in the next quarter.
Less concerning ifRevenue growth remains above the median of 15% in the next quarter.
Why it matters: Sustaining EPS growth is key for investor confidence and reflects strong performance.
Supportive ifQ3 diluted EPS exceeds $0.90, continuing the growth trend from Q2.
Worry ifQ3 diluted EPS falls below $0.83, breaking the growth trajectory.
Why it matters: Growth in non-interest income shows different ways to make money and good health.
Watch forNon-interest income is over $16.9 million in Q3.
Also watch forNon-interest income falls below $12.5 million in Q3.
Why it matters: A higher payout ratio may mean less money for growth. It shows how management uses capital.
Worry ifDividend payout ratio exceeds 40% for Q3 2026.
Less concerning ifDividend payout ratio remains below 40% for Q3 2026.
Why it matters: A steady or higher dividend shows good use of money and trust in earnings.
Supportive ifThe Board declares a dividend of $0.14 or higher per share.
Worry ifThe Board does not declare a dividend or lowers the dividend amount.
Why it matters: Higher dividends show strong money management. They also show good financial health.
Supportive ifThe Board declares a dividend above $0.14 per share in Q3.
Worry ifThe Board maintains the dividend at $0.14 or lowers it in Q3.
Why it matters: A lower efficiency ratio means better cost management. This can help make more money.
Supportive ifThe efficiency ratio drops below 47% in Q3 2026.
Worry ifEfficiency ratio stays above 47% in Q3 2026.
Why it matters: Stable or lower charge-offs show good credit quality and risk control.
Supportive ifNet charge-offs in Q3 fall below $4.4 million.
Worry ifNet charge-offs in Q3 rise above $5.9 million.
Why it matters: Strong net income growth signals effective management and solid performance. It supports EPS growth goals.
Supportive ifQ3 net income exceeds $41.6 million, which is a 10% increase from Q3 2025.
Worry ifQ3 net income growth is less than 10% YoY.
Why it matters: Strong deposit growth shows that customers trust the bank. This helps the bank's overall financial health.
Supportive ifTotal deposits grow by more than 2% compared to Q2 2026.
Worry ifTotal deposits grow by 2% or less compared to Q2 2026.
Why it matters: More cash flow means better efficiency and financial health.
Supportive ifCash from operations is over $54.6 million in Q3.
Worry ifCash from operations is under $14.2 million in Q3.
Why it matters: A drop in revenue growth could indicate a slowdown in the financial sector. This impacts overall performance.
Worry ifQ2 revenue growth was below 15%. This shows challenges in the sector.
Less concerning ifQ2 revenue growth remains at or above 15%, showing continued sector strength.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$74 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $208 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,264 loss on $10,000 · 12.6% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.