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Byline Bancorp

BY
69
Banks - Regional · Financial Services
Price
$38.25
-0.08 (-0.21%)
Market Cap
$1.74B
Winston Score
69
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Bank Quality
Strong
Growth
Good
Capital Strength
Exceptional
Asset Quality
Strong
Valuation
Good
Dividends
Good
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Share count rising — dilution

+18.4% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 38.4M (2021) → 45.4M (2025)

Winston Score History

The full picture

Byline Bancorp is a regional bank headquartered in Chicago, Illinois. It offers everyday banking services like checking accounts, savings accounts, and loans to individuals, small businesses, and mid-sized companies across the Chicago area and broader Midwest. The bank is particularly known for its government-guaranteed lending, including SBA (Small Business Administration) loans, which it originates and sells to other investors.

Byline makes money primarily through interest income — it collects more in interest on loans than it pays out on deposits, keeping the difference as profit. It also earns fees from originating and selling SBA loans, which is a meaningful part of its business model. The bank operates mainly in Illinois and Wisconsin, with roughly $8 billion in total assets, making it a mid-sized community bank. Its focus on SBA lending gives it a specialized niche, but rising interest rates or a slowdown in small business borrowing could pressure loan demand and profit margins going forward.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+1.2% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+36.4% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

29.1%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$1.7B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Byline Bancorp is growing revenue at 1% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Bank Quality

Return on owners' money
Return on Equity
11.8%
no trend
Solid — 11.8% return on equity

Standard mid-range return on equity. Acceptable.

Profit on lending
Net Interest Margin
4.54%
no trend
Wide spread — 4.54% net interest margin
Cost of running the bank
Efficiency Ratio
47.5%
no trend
Very lean — spends 47.5¢ to earn a dollar

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Growth

Sales growth
Sales YoY
+2.3%
Nearly flat sales (+2.3% YoY)
Profit growth
EPS YoY
+23.3%
Earnings growing fast (+23.3% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Capital Strength

Safety cushion
Capital Ratio
13.6%
no trend
Fortress balance sheet — 13.6% CET1

A strong capital cushion. This bank is well padded against a bad year.

Asset Quality

Loans not being repaid
Non-Performing Loans
0.90%
no trend
Clean loan book — 0.90% non-performing

Below 1% of loans are troubled. Still a healthy, well-run loan book.

Loans written off
Net Charge-Offs
0.32%
no trend
Moderate — 0.32% net charge-offs

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Valuation

Price vs profit
P/E Ratio (TTM)
11.5x
Attractive valuation — P/E 11.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
-0.1
SLOWING
Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend
Dividend Yield
1.12%
Small dividend — 1.12% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+23.1%
Dividend growing fast (23.1% YoY)

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