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Byline Bancorp, Inc. (BY) Stock Analysis

Buy WaitModerate Confidence

Financial Services · Banks - Regional

Wait for pullback to $31.95. Weak momentum — blocks BUY_NOW at $32.44. Engine's entry $31.95 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining.

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail... Read more

$32.44+5.3% A.UpsideScore 6.5/10#16 of 142 Banks - Regional
Entry $31.95(Ma50 Sticky)Stop $30.48Target $33.64(resistance)A.R:R -0.0:1Setup A.R:R 1.5:1
Analyst target$37.20+14.7%5 analysts
$33.64our TP
$32.44price
$37.20mean
$40

Wait for pullback to $31.95. Weak momentum — blocks BUY_NOW at $32.44. Engine's entry $31.95 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Score 6.5/10, moderate confidence.

Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.60, earnings proximity 83d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (4/4)
Positive news sentiment (+0.67)
Attractive valuation
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)10.4
P/E (Fwd)9.7
Mkt Cap$1.5B
EV/EBITDA
Profit Mgn33.0%
ROE11.6%
Rev Growth13.8%
Beta0.81
Dividend1.37%
Rating analysts14

Quality Signals

Piotroski F7/9

Options Flow

P/C0.07bullish
IV67%elevated
Max Pain$23-30.6% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -0.0=NEGATIVEMomentum 5.1<5.5 (soft — BUY_NOW allowed but watch)Momentum 5.1>=4.5Insider activity: OKNo SEC red flagsNEWS BOOST ANALYST 0.60EARNINGS PROXIMITY 83d clearSEMI CYCLE PEAK CLEARSuitability: Aggressive
RSI
33 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $31.78Resistance $34.33

Price Targets

$30
$32
$34
A.Upside+3.7%
A.R:R-0.0:1
Setup A.R:R (at entry)1.5:1

Position Sizing

ConvictionMedium conviction
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-0.1% upside)
! NEWS_MOD=+2: HOLD_IF_HOLDING → STRONG_BUY_WAIT
! Negative risk/reward — downside exceeds upside

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-07-23 (83d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is BY stock a buy right now?

Wait for pullback to $31.95. Weak momentum — blocks BUY_NOW at $32.44. Engine's entry $31.95 (Ma50 Sticky) is the shallowest technical level that clears the 2:1 A.R:R minimum. Key risk: Analyst target reached - limited upside remaining. Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. | News modifier +2 (HOLD_IF_HOLDING → STRONG_BUY_WAIT) Target $33.64 (+3.7%), stop $30.48 (−6.4%), Setup A.R:R 1.5:1. Score 6.5/10, moderate confidence.

What is the BY stock price target?

Take-profit target: $33.64 (+5.3% upside). Target $33.64 (+3.7%), stop $30.48 (−6.4%), Setup A.R:R 1.5:1. Stop-loss: $30.48.

What are the risks of investing in BY?

Analyst target reached - limited upside remaining.

Is BY overvalued or undervalued?

Byline Bancorp, Inc. trades at a P/E of 10.4 (forward 9.7). TrendMatrix value score: 8.0/10. Verdict: Buy (Wait for Entry).

What do analysts say about BY?

14 analysts cover BY with a consensus score of 3.9/5. Average price target: $37.

What does Byline Bancorp, Inc. do?Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and...

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and the United States department of agriculture loans; and treasury management products and services, such as treasury services, information reporting, fraud management, cash collection, and interest rate derivative products. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services, including fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.

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