Byline Bancorp, Inc. (BY)

NYSEFinancialsBanks - RegionalSnapshot 2026-10-23

$38.40+1.08%

Close 2026-10-23 · 1-day change

Investment OutlookAs of Oct 24, 2026

What could strengthen or challenge Byline Bancorp, Inc.’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

Comparable estimates unavailable

+10% or more+5%0%−5%−10% or less

A matching fiscal period and sufficient coverage are required.

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

The calculation requires same-period, same-provider snapshots, positive EPS, at least five analysts and a baseline within three days of the requested lookback.

Measure / period	Management expectations	Analyst expectations
Quarter ending 2026-12-30
Revenue	—	118.74M
EPS	—	0.832
Quarter ending 2027-03-31
Revenue	—	120.74M
EPS	—	0.84
Annual ending 2026-12-31
Revenue	—	467.83M
EPS	—	3.427
Annual ending 2027-12-31
Revenue	—	498.5M
EPS	—	3.525

Management figures unavailable.

What the Thesis Depends On

Three published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
Optimize capital allocation with no material negative impact from new financial obligations	The company is cheap with a P/E below peers and has a solid capital allocation plan.	Intact	material negative impact from financial obligations reported	Qualitative condition This condition has no defined numerical measure. Context reviewed through Oct 23, 2026Last status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Maintain EPS growth trajectory at or above $0.83 in Q1 2026	A primary condition in Byline Bancorp, Inc.'s published investment case. The stated target is >=0.83 USD per share.	Under Pressure	EPS falls below $0.83 in 2026-Q1	Diluted EPS: $0.90 per share FY2026-Q2; GAAP. Published target: >=0.83 USD per share. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Aug 6, 20260.9 USD/share · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: 0624ea86-c0b3-4b79-bed6-2c9da9afe7d8. Source status: eligible. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
Increase cash from operating activities to at least $54.6 million in Q1 2026	Cash from operations improved from $38.3 million to $54.6 million, showing strong cash flow.	Under Pressure	cash from operating activities falls below $54.6 million in 2026-Q1	Cash from operations: $14.169M FY2026-Q2; GAAP. Published target: >=54.6 million USD. The stored target says 2026-Q1; this source reports FY2026-Q2. Fiscal/calendar alignment needs review. Source published Aug 6, 202614,169,000 USD · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q2 · Period ending Jun 30, 2026 Source: stock_quarterly_financials_fmp. Reference: 2026-Q2. Source status: unverified. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.

Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPSUnavailable

$3.38 → Unavailable · observed estimates

FY2027 revenueUnavailable

$0.48B → Unavailable · observed estimates

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	$3.38	$483,933,200	6 / 5
2026-07-25	$3.38	$483,933,200	6 / 5
2026-07-26	$3.40	$481,793,200	6 / 5
2026-07-27	$3.40	$481,793,200	6 / 5
2026-07-28	$3.40	$481,793,200	6 / 5
2026-07-29	$3.40	$481,793,200	6 / 5
2026-07-30	$3.41	$479,920,800	6 / 5
2026-07-31	$3.41	Unavailable	5 / 4
2026-08-01	$3.41	$479,920,800	6 / 5
2026-08-02	$3.41	$479,920,800	6 / 5
2026-08-03	$3.41	$479,920,800	6 / 5
2026-08-04	$3.41	$479,920,800	6 / 5
2026-08-05	$3.41	$479,920,800	6 / 5
2026-08-06	$3.41	$479,920,800	6 / 5
2026-08-07	$3.41	Unavailable	5 / 4
2026-08-08	$3.41	Unavailable	5 / 4
2026-08-09	$3.41	$479,920,800	6 / 5
2026-08-10	$3.41	Unavailable	5 / 4
2026-08-11	$3.41	$479,920,800	6 / 5
2026-08-12	$3.41	Unavailable	5 / 4
2026-08-13	$3.41	Unavailable	5 / 4
2026-08-14	$3.41	Unavailable	5 / 4
2026-08-15	$3.41	Unavailable	5 / 4
2026-08-16	$3.41	Unavailable	5 / 4
2026-08-17	$3.41	Unavailable	5 / 4
2026-08-18	$3.41	Unavailable	5 / 4
2026-08-19	$3.41	Unavailable	5 / 4
2026-08-20	$3.41	Unavailable	5 / 4
2026-08-21	$3.41	Unavailable	5 / 4
2026-08-22	$3.41	Unavailable	5 / 4
2026-08-23	$3.41	Unavailable	5 / 4
2026-08-24	$3.41	Unavailable	5 / 4
2026-08-25	$3.41	Unavailable	5 / 4
2026-08-26	$3.41	Unavailable	5 / 4
2026-08-27	$3.41	Unavailable	5 / 4
2026-08-28	$3.41	Unavailable	5 / 4
2026-08-29	$3.41	Unavailable	5 / 4
2026-08-30	$3.41	Unavailable	5 / 4
2026-08-31	$3.41	Unavailable	5 / 4
2026-09-01	$3.41	Unavailable	5 / 4
2026-09-02	$3.41	Unavailable	5 / 4
2026-09-03	$3.41	Unavailable	5 / 4
2026-09-04	$3.41	Unavailable	5 / 4
2026-09-05	$3.41	Unavailable	5 / 4
2026-09-06	$3.41	Unavailable	5 / 4
2026-09-07	$3.41	Unavailable	5 / 4
2026-09-08	$3.41	Unavailable	5 / 4
2026-09-09	$3.41	Unavailable	5 / 4
2026-09-10	$3.41	Unavailable	5 / 4
2026-09-11	$3.41	Unavailable	5 / 4
2026-09-12	$3.41	Unavailable	5 / 4
2026-09-13	$3.41	Unavailable	5 / 4
2026-09-14	$3.41	Unavailable	5 / 4
2026-09-15	$3.41	Unavailable	5 / 4
2026-09-16	$3.41	Unavailable	5 / 4
2026-09-17	$3.41	Unavailable	5 / 4
2026-09-18	$3.41	Unavailable	5 / 4
2026-09-19	$3.41	Unavailable	5 / 4
2026-09-20	$3.41	Unavailable	5 / 4
2026-09-21	$3.41	Unavailable	5 / 4
2026-09-22	$3.41	Unavailable	5 / 4
2026-09-23	$3.43	Unavailable	5 / 4
2026-09-24	$3.43	Unavailable	5 / 4
2026-09-25	$3.43	Unavailable	5 / 4
2026-09-26	$3.43	Unavailable	5 / 4
2026-09-27	$3.43	Unavailable	5 / 4
2026-09-28	$3.43	Unavailable	5 / 4
2026-09-29	$3.43	Unavailable	5 / 4
2026-09-30	$3.43	Unavailable	5 / 4
2026-10-01	$3.43	Unavailable	5 / 4
2026-10-02	$3.43	Unavailable	5 / 4
2026-10-03	$3.43	Unavailable	5 / 4
2026-10-04	$3.43	Unavailable	5 / 4
2026-10-05	$3.43	Unavailable	5 / 4
2026-10-06	$3.43	Unavailable	5 / 4
2026-10-07	$3.43	Unavailable	5 / 4
2026-10-08	$3.43	Unavailable	5 / 4
2026-10-09	$3.45	Unavailable	5 / 4
2026-10-10	$3.49	Unavailable	5 / 4
2026-10-11	$3.49	Unavailable	5 / 4
2026-10-12	$3.49	Unavailable	5 / 4
2026-10-13	$3.49	Unavailable	5 / 4
2026-10-14	$3.49	Unavailable	5 / 4
2026-10-15	$3.49	Unavailable	5 / 4
2026-10-16	Unavailable	Unavailable	3 / 3
2026-10-17	Unavailable	Unavailable	3 / 3
2026-10-18	Unavailable	Unavailable	3 / 3
2026-10-19	Unavailable	Unavailable	3 / 3
2026-10-20	Unavailable	Unavailable	3 / 3
2026-10-21	Unavailable	Unavailable	3 / 3
2026-10-22	Unavailable	Unavailable	3 / 3
2026-10-23	Unavailable	Unavailable	3 / 3
2026-10-24	Unavailable	Unavailable	3 / 3

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Buy / Strong BuyHoldSell / Strong Sell

Exact monthly counts

Monthly rating snapshots · fmp. Missing snapshots are not zero.
Date	Buy*	Hold
2026-05-01	3	3
2026-06-01	3	2
2026-07-01	3	3
2026-08-01	3	3
2026-09-01	3	3
2026-10-01	3	3

*Buy includes Strong Buy; Sell includes Strong Sell. Monthly counts describe the analyst mix, not the firms behind each recent action.

Latest: 3 Buy / Strong Buy · 3 Hold · 0 Sell / Strong Sell

0 upgrades0 downgrades0 maintains

Recent actions · Sep 25–Oct 24 · 0 recorded

Price-target changes

30 days

Individual price-target observations are unavailable.

0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior

How this is measured

Sep 25, 2026–Oct 24, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

Optimize capital allocation with no material negative impact from new financial obligationsQualitative condition
Maintain EPS growth trajectory at or above $0.83 in Q1 2026Published status: Under Pressure
Increase cash from operating activities to at least $54.6 million in Q1 2026Published status: Under Pressure

Next proof point

Next earnings date unavailable

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

0.7%Typical daily move · historical

Downside history

-10.5%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

Byline Bancorp, Inc. outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 24, 2026

What kind of bet this is

BY is a regional bank with a multi-year thesis centered on building a leading commercial bank in Chicago. The thesis is intact, and recent financial performance remains in the top half of its industry, though momentum weakened after the latest earnings.

What's priced into Byline Bancorp, Inc.

Valuation is tagged as justified, with expectations broadly aligned with the evidence and the shares at a modest premium to peers. The low fragility reading suggests the current setup is not unusually dependent on fragile expectations, though the valuation evidence is only of medium overall confidence.

What the fundamentals likely do

Near term, revenue rose from the prior quarter and the company reported an earnings beat, while the proposed Illinois State Bancorp transaction supports its Chicago expansion plan. Expense discipline is less clear: expenses rose and the efficiency ratio worsened, even as management reported more capital returned and a higher quarterly dividend. The stated miss risk is low, but peer misses and a deep miss in BY’s recent history remain reasons for caution.

What Byline Bancorp, Inc. hinges on

The multi-year view depends on whether BY can expand in Chicago while controlling recurring expenses, and on the proposed acquisition moving forward. Near term, a guidance cut would be a meaningful negative; rate cuts could also weigh on the Financials sector backdrop. Continued strong results and higher guidance from sector bellwethers would support sector momentum.