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Stock Ratings / Financials / BY / financials
RBCAA (65) TCBK (66) FSUN (63) HOPE (57) ⌘ Pro Terminal β†’

Byline Bancorp Inc. (BY) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$39.08 +1.51% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $39.11

Byline Bancorp Inc. (BY) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ β€’ HOLD / WATCH Cap $1.77B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BY Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is BY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Byline Bancorp Inc. (NYSE: BY) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $39.08 (+1.51% 1D, market cap $1.77B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, BY ranks #172 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does BY compare to RBCAA and TCBK in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), BY carries a Roarable C+ (67/100 RQD), trailing P/E of 13.5x, gross margin of β€”, and ROIC of 10.3%. By comparison, RBCAA (Republic Bancorp Inc. (Class A)) holds a C grade (65/100 RQD, P/E 13.7x, ROIC 11.9%, cap $1.81B) and TCBK (TriCo Bancshares) posts a C+ grade (66/100 RQD, P/E 14.1x, ROIC 9.2%, cap $1.71B). Among the 5-stock peer group, BY leads on earnings multiple (13.5x) while RBCAA leads on capital efficiency (11.9% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BY?
β–Ό

Per BY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001702750), Byline Bancorp Inc. generated $4.05B in revenue (+1.6% YoY), $130.1M in net income, and $136.3M in free cash flow against $9.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $39.11 (+0.08%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 12/20 (C-) β€’ 3.4% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY β€’ 56.4% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510067
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw B- Β· Rk C
Cash (12)Whales (14)SEC (13)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+4% Base Target
$48 Bull$41 Base$32 Bear
πŸ“¬ FREE BY RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for BY)Realized 20D OHLCV Swing Band: Β±4%
Deterministic 5-Pillar Attribution (67/100 Composite)
πŸ” WHY BY SCORES 67/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy β€’ Cannibal Buyback (-2.36% YoY Shares)

β–² #2 Bullish Driver: Whale & Options Positioning+14/20 pts (21% of score)

20D Institutional Volume Accumulation (Β±4% realized swing band)

β–Ό #1 Drag / Risk Factor: Macro Regime Fit12/20 pts (-8 pt drag)

Macro rate sensitivity & RSI-14 (62.1) create a -8 pt regime headwind

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
59
Grade C$36.63+2.1% Next Q
Q2 (-2Q)
62
Grade C+$37.39+3.4% Next Q
Q3 (-1Q)
64
Grade C+$38.67+1.1% Next Q
Current
67
Grade C+$39.08+1.6% Hist 90D Ξ±
Trajectory: C (59) β†’ C+ (67)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the BY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 67/100 (C+) score, BY faces multiple-compression risk if 13.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($37.76) or 200D SMA ($35.12) invalidates the momentum regime and cuts Target Base ($40.66) toward Bear Floor ($31.71).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BYβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œBY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 67%NO 33%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How BY Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$136.3M (3.4% FCF Margin)
Revenue$4.05BGross Profit $2.11B (52%)Cost of Sales $1.95BOp Profit $0 (0%)OpEx (R&D/SG&A) $2.11BNet Profit$130.1M (3.2%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $631.1M
FY24
Rev $3.99B
FY25
Rev $4.05B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$4.05B52%0%$130.1M$136.3M10.3%
FY 2024$3.99B52%0%$120.8M$171.2M10.3%
FY 2023$631.1M39.5%0%$107.9M$166.1M10.3%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BY)

  • βœ“Walkthrough of BY's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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BY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +18.57%⚑ TESTING RESISTANCE
2026-11-04O $38.50H $39.08L $38.50C $39.08VOL 179.6K
RES: $39.23SUP: $35.67SMA50: $37.76SMA200: $35.12
$40.76$37.74$34.72$31.69$28.67RES $39.23SUP $35.67$39.082026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ BY Butterfly Map β†’ + Track BY β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.0%/yr Implied 5Y Growth

vs. +1.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BY today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for BY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BY)

Financials Rank #172 of 1097 βš”οΈ RBCAA vs BY Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (BY vs. RBCAA, TCBK, FSUN, HOPE)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Byline Bancorp Inc. (BY) ranks #172 by composite RQD confidence (67/100, grade C+) and #450 by equity capitalization ($1.77B). Within this direct 5-issuer industry benchmark cohort, BY leads on earnings valuation at 13.5x trailing P/E, while RBCAA leads on capital efficiency and profitability with 11.9% ROIC and β€” gross margin. BY currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BY ACTIVE
Byline Bancorp Inc.
C+ 67/100 13.5x β€” 10.3% +1.51% $1.77B Benchmark Subject
RBCAA
Republic Bancorp Inc. (Class A)
C 65/100 13.7x β€” 11.9% +2.37% $1.81B /rbcaa-vs-by β†’
TCBK
TriCo Bancshares
C+ 66/100 14.1x β€” 9.2% +2.08% $1.71B /tcbk-vs-by β†’
FSUN
FirstSun Capital Bancorp
C 63/100 18.3x β€” 8.5% +2.48% $1.83B /fsun-vs-by β†’
HOPE
Hope Bancorp Inc.
D+ 57/100 28.0x β€” 2.7% +0.83% $1.70B /hope-vs-by β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001702750 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Byline Bancorp Inc. (BY) reported GAAP revenue of $4.05B (+1.6% vs. FY2024 revenue of $3.99B , and +542.4% cumulative change since FY2023) , GAAP net income of $130.1M, operating cash flow of $140.3M, and free cash flow of $136.3M (-20.4% YoY). On the balance sheet, BY closed FY2025 with $9.65B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $4.05B $130.1M $140.3M $136.3M $9.65B β€”
FY2024 (FY) 2024-12-31 $3.99B $120.8M $175.2M $171.2M $9.50B β€”
FY2023 (FY) 2023-12-31 $631.1M $107.9M $166.1M $166.1M β€” β€”

3. BY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Byline Bancorp Inc. (NYSE: BY) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 at a spot price of $39.08 (+1.51% 1D, market cap $1.77B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, BY ranks #172 in composite RQD confidence.

How does BY compare to RBCAA and TCBK in the Financials sector?

Within the Financials sector (Major Banks), BY carries a Roarable C+ (67/100 RQD), trailing P/E of 13.5x, gross margin of β€”, and ROIC of 10.3%. By comparison, RBCAA (Republic Bancorp Inc. (Class A)) holds a C grade (65/100 RQD, P/E 13.7x, ROIC 11.9%, cap $1.81B) and TCBK (TriCo Bancshares) posts a C+ grade (66/100 RQD, P/E 14.1x, ROIC 9.2%, cap $1.71B). Among the 5-stock peer group, BY leads on earnings multiple (13.5x) while RBCAA leads on capital efficiency (11.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BY?

Per BY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001702750), Byline Bancorp Inc. generated $4.05B in revenue (+1.6% YoY), $130.1M in net income, and $136.3M in free cash flow against $9.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BY trading relative to its 50-day, 200-day, and 52-week technical levels?

BY last traded at $39.08 (+1.51% on volume of 179,590 shares), positioning the stock +3.50% above its 50-day simple moving average ($37.76) and +11.28% above its 200-day simple moving average ($35.12). Across its 52-week range of $26.42 to $40.03, BY sits at the 93.0% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.0% ($37.52 to $40.64).

Direct Sub-Reports: BY RQD Cockpit BY 12M Forecast BY Earnings & Move BY Dividends & DRIP BY Insiders & 13F BY Whale Options BY Profit Sankey BY News & Why
ROARABLE RATING BRIEF β€’ RQD 67/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

BY β€” Byline Bancorp Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Byline Bancorp Inc. (BY) earns a live Roarable RQD composite score of 67/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $39.08 (+1.51% 1D, market capitalization $1.77B).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 10.3%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 7.74%.
  • Whale 13F & Options Flow (14/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Byline Bancorp Inc. Is a NYSE-listed issuer classified in the Financials sector and the Major Banks industry. Market capitalization is listed at $1.8B in the profile.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Byline Bancorp Inc. (BY) reported $4.05B in annual revenue (up from $3.99B in FY2024, +1.6% YoY) and $130.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($631.1M revenue, $107.9M net income) through FY2025, BY scaled operating cash flow to $140.3M and free cash flow to $136.3M, backed by $9.65B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C+ β€’ RQD 67/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.74% and institutional whale pillar of 14/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $26.42 – $40.03 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.5x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies, sector correlations, and second-order bottlenecks are β€” The only cross-entity event in the source is the Illinois State Bancorp merger, but the feed does not describe that counterparty's operations or exposures. An investor should watch whether the transaction's scale relative to BY's $1.

  • Key Question #1: Can BY sustain or expand its β€” operating margin and 10.3% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $4.05B and free cash flow of $136.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is BY's 12.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

BY Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Byline Bancorp Inc. (BY) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to BY Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BY Bull vs. Bear Conversation Board β€” What's Your Call at $39.08?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BY 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BY:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER β€’ Institutional Buy-Side πŸ‚ BULLISH 🎯 Target: $50.43 (+31.0%)
πŸ“Œ Pinned Debate

Per the Roarable RQD rating, BY's 7.74% FCF yield and 16/20 insider conviction pillar support a constructive reading against a 12.6 for

Don't sleep on BY's setup in Financials. Per the Roarable RQD rating, BY's 7.74% FCF yield and 16/20 insider conviction pillar support a constructive reading against a 12.6 forward P/E.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (67/100) backs up the fundamental quality.

SectorRotator πŸ‚ BULL

@MultipleCompression Fair point on 13.5x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

MU MultipleCompression RQD DEBATE OPENER β€’ Valuation Discipline 🐻 BEARISH 🎯 Target: $31.18 (-19.0%)
Spot @ $38.50

Per the SEC financials, FCF fell from $171.2M in FY 2024 to $136.3M in FY 2025 while the market data shows 0% margins and no reported r

I respect the product at Byline Bancorp Inc., but the stock at $38.50 is a different story. Per the SEC financials, FCF fell from $171.2M in FY 2024 to $136.3M in FY 2025 while the market data shows 0% margins and no reported revenue.. FCF yield is 7.74% and RQD sits at 67/100 (C+) β€” why pay up here when you can wait for next quarter's numbers?

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