NYSE:BY

Stock Analysis Report

Executive Summary

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides a range of banking products and services to small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States.

Snowflake

Fundamentals

Excellent balance sheet and fair value.


Similar Companies

Share Price & News

How has Byline Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-1.4%

NYSE:BY

-1.8%

US Banks

0.2%

US Market


1 Year Return

-29.0%

NYSE:BY

-15.3%

US Banks

-0.7%

US Market

BY underperformed the Banks industry which returned -13.6% over the past year.

BY underperformed the Market in United States of America which returned 0.3% over the past year.


Share holder returns

BYIndustryMarket
7 Day-1.4%-1.8%0.2%
30 Day-7.7%-6.4%-2.7%
90 Day-9.7%-4.0%1.6%
1 Year-29.0%-29.0%-12.9%-15.3%1.6%-0.7%
3 Yearn/a41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

Price Volatility Vs. Market

How volatile is Byline Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Byline Bancorp undervalued based on future cash flows and its price relative to the stock market?

10%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Byline Bancorp's share price is below the future cash flow value, but not at a moderate discount (< 20%).

Byline Bancorp's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Byline Bancorp is good value based on earnings compared to the US Banks industry average.

Byline Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Byline Bancorp is poor value based on expected growth next year.


Price Based on Value of Assets

Byline Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Byline Bancorp expected to perform in the next 1 to 3 years based on estimates from 6 analysts?

9.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Byline Bancorp's revenue is expected to grow by 7% yearly, however this is not considered high growth (20% yearly).

Byline Bancorp's earnings are expected to grow by 9.3% yearly, however this is not considered high growth (20% yearly).

Byline Bancorp's revenue growth is positive but not above the United States of America market average.

Byline Bancorp's earnings growth is positive but not above the United States of America market average.

Byline Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Byline Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Byline Bancorp performed over the past 5 years?

7.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Byline Bancorp's year on year earnings growth rate has been positive over the past 5 years.

Byline Bancorp's 1-year earnings growth exceeds its 5-year average (219.5% vs 7.7%)

Byline Bancorp's earnings growth has exceeded the US Banks industry average in the past year (219.5% vs 33.2%).


Return on Equity

Byline Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Byline Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Byline Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Byline Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Byline Bancorp has an acceptable proportion of non-loan assets held.

Byline Bancorp has a low allowance for bad loans.

Byline Bancorp's liabilities are made up of primarily low risk sources of funding.

Byline Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Byline Bancorp are broadly funded by customer deposits.

Byline Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Byline Bancorp's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Byline Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Byline Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Byline Bancorp has not reported any payouts.

Unable to verify if Byline Bancorp's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Byline Bancorp has not reported any payouts.


Future Payout to Shareholders

No need to calculate the sustainability of Byline Bancorp's dividends in 3 years as they are not expected to pay a notable one for United States of America.


Next Steps

Management

What is the CEO of Byline Bancorp's salary, the management and board of directors tenure and is there insider trading?

1.1yrs

Average management tenure


CEO

Alberto Paracchini (48yo)

6.2yrs

Tenure

US$941,699

Compensation

Mr. Alberto J. Paracchini has been the Chief Executive Officer and President at Byline Bancorp, Inc. since June 2013. Mr. Paracchini serves as the Chief Executive Officer and President of Byline Bank. He h ...


CEO Compensation Analysis

Alberto's remuneration is lower than average for companies of similar size in United States of America.

Alberto's compensation has been consistent with company performance over the past year, both up more than 20%.


Management Age and Tenure

1.1yrs

Average Tenure

58yo

Average Age

The average tenure for the Byline Bancorp management team is less than 2 years, this suggests a new team.


Board Age and Tenure

4.5yrs

Average Tenure

67yo

Average Age

The tenure for the Byline Bancorp board of directors is about average.


Insider Trading

Byline Bancorp individual insiders have only sold shares in the past 3 months, but not in substantial volumes.


Recent Insider Transactions

SellUS$19,80903 Jul 19
Brogan Ptacin
EntityIndividual
Role
Senior Key Executive
Executive VP & Head of Commercial Banking
Shares1,065
Max PriceUS$18.60
BuyUS$98520 May 19
William Kistner
EntityIndividual
Role
Member of the Board of Directors
Director
Shares50
Max PriceUS$19.70
SellUS$1,71516 May 19
Richard Schobert
EntityIndividual
Role
Senior Key Executive
Chief Risk Officer of Byline Bank
Shares89
Max PriceUS$19.27
SellUS$2,88610 May 19
Megan Biggam
EntityIndividual
Shares145
Max PriceUS$19.90
BuyUS$44,91009 May 19
Mary Jo Herseth
EntityIndividual
Role
Member of the Board of Directors
Director
Shares2,250
Max PriceUS$19.96
SellUS$201,22003 May 19
Robert Yohanan
EntityIndividual
Role
Member of the Board of Directors
Director
Shares10,000
Max PriceUS$20.20
BuyUS$49,07402 May 19
William Kistner
EntityIndividual
Role
Member of the Board of Directors
Director
Shares2,450
Max PriceUS$20.03
SellUS$109,56002 May 19
Brogan Ptacin
EntityIndividual
Role
Senior Key Executive
Executive VP & Head of Commercial Banking
Shares5,500
Max PriceUS$19.92
SellUS$80,24020 Feb 19
Robert Yohanan
EntityIndividual
Role
Member of the Board of Directors
Director
Shares4,000
Max PriceUS$20.06
BuyUS$9,64617 Dec 18
Roberto Herencia
EntityIndividual
Role
Chairman of the Board
Chairman of the Board
Shares520
Max PriceUS$18.55
BuyUS$11,84014 Dec 18
Alberto Paracchini
EntityIndividual
Role
Chief Executive Officer
President
Shares635
Max PriceUS$19.10
BuyUS$124,57812 Dec 18
Roberto Herencia Inc., Defined Benefit Plan
EntityCompany
Shares6,465
Max PriceUS$19.35
BuyUS$49,82612 Dec 18
Roberto Herencia Inc. 401(K) Plan
EntityCompany
Shares2,575
Max PriceUS$19.35
SellUS$20,95003 Dec 18
Robert Yohanan
EntityIndividual
Role
Member of the Board of Directors
Director
Shares1,000
Max PriceUS$20.95

Ownership Breakdown


Management Team

  • John Barkidjija (55yo)

    Executive VP & Head of Commercial Real Estate and Specialty Finance

    • Tenure: 1.6yrs
  • Brogan Ptacin (58yo)

    Executive VP & Head of Commercial Banking

    • Tenure: 0.6yrs
  • Alberto Paracchini (48yo)

    President

    • Tenure: 6.2yrs
    • Compensation: US$941.70k
  • Owen Beacom (60yo)

    Chief Credit Officer

    • Tenure: 0.0yrs
  • Lindsay Corby (41yo)

    Executive VP & CFO

    • Tenure: 4.1yrs
    • Compensation: US$546.66k
  • Tom Abraham

    President of Small Business Capital - Byline Bank

    • Tenure: 0.3yrs
  • Tim Hadro (68yo)

    • Tenure: 0.1yrs
    • Compensation: US$388.85k
  • Rick Schobert (66yo)

    Chief Risk Officer of Byline Bank

    • Tenure: 5.8yrs
  • Allyson Pooley

    Investor Relations Contact

    • Tenure: 0.0yrs
  • Don Gibson

    Executive VP & General Counsel

    • Tenure: 0.2yrs

Board Members

  • Roberto Herencia (59yo)

    Chairman of the Board

    • Tenure: 6.2yrs
    • Compensation: US$822.48k
  • Steve Kent (68yo)

    Director

    • Tenure: 0.2yrs
  • Antonio Del Valle Perochena (50yo)

    Director

    • Tenure: 6.2yrs
    • Compensation: US$101.25k
  • Jaime Ruiz Sacristán (69yo)

    Director

    • Tenure: 6.2yrs
    • Compensation: US$106.25k
  • Steve Rull (69yo)

    Director

    • Tenure: 2.8yrs
    • Compensation: US$77.50k
  • Alberto Paracchini (48yo)

    President

    • Tenure: 6.2yrs
    • Compensation: US$941.70k
  • Phillip Cabrera (66yo)

    Director

    • Tenure: 6.2yrs
    • Compensation: US$116.25k
  • Bob Yohanan (79yo)

    Director

    • Tenure: 1.3yrs
    • Compensation: US$282.61k
  • William Kistner (68yo)

    Director

    • Tenure: 1.3yrs
    • Compensation: US$54.58k
  • Mary Jo Herseth (60yo)

    Director

    • Tenure: 0.3yrs

Company Information

Byline Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Byline Bancorp, Inc.
  • Ticker: BY
  • Exchange: NYSE
  • Founded: 1978
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$650.617m
  • Shares outstanding: 38.11m
  • Website: https://www.bylinebank.com

Number of Employees


Location

  • Byline Bancorp, Inc.
  • 180 North LaSalle Street
  • Suite 300
  • Chicago
  • Illinois
  • 60601
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BYNYSE (New York Stock Exchange)YesCommon StockUSUSDJun 2017
BY *BMV (Bolsa Mexicana de Valores)YesCommon StockMXMXNJun 2017

Biography

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides a range of banking products and services to small and medium sized businesses, commercial real estate and financial s ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 01:02
End of Day Share Price2019/08/20 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.