Byline Bancorp, Inc. (BY)
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
$38.04-2.59%
Close 2026-11-05 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-11-05
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 | -0.5% |
| Our one-year growth estimate | diamond | -10.4% |
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.
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 2026-11-05.
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.
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.
Growth built into the price is above our model estimate.
The price assumes 9.8 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
BY — President transition
Dated 2026-10-08
Chief Credit Officer — Mark Fucinato: The filing announces the planned retirement of two senior officers (Chief Credit Officer and Head of Commercial Banking) with named internal successors, representing an orderly succession rather than a sudden loss of leadership.
Why it matters: Q3 costs rose while revenue also reached a record. A lower ratio would show costs are easing against revenue.
Supportive ifThe next reported efficiency ratio is below 48.40%. This follows Q3 expenses rising to $59.8 million.
Worry ifThe next reported efficiency ratio is at least 48.40%. Non-interest expense is at least $59.8 million.
Why it matters: Deposits grew 8.5% at an annual rate in Q3, but deposit costs also rose. More growth with only small cost increases would support funding strength.
Supportive ifIn the next quarter, deposits grow from $8.04 billion and the average deposit cost rises by no more than 3 basis points.
Worry ifDeposits fall below $8.04 billion, or the average deposit cost rises by more than 3 basis points.
Why it matters: Non-performing assets rose 21.6% in Q3 as non-accrual loans grew. Another rise would point to more credit strain.
Worry ifQ4 non-performing assets exceed $87.9 million, or 0.89% of total assets. Non-accrual loans remain the main cause.
Less concerning ifQ4 non-performing assets fall below $87.9 million. The balance of non-accrual loans also declines.
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.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$73 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $183 loss on $10,000 · 1.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,047 loss on $10,000 · 10.5% | 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.