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Upturn AI SWOT - About
BY 
Byline Bancorp Inc (BY)
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Upturn Advisory Summary
04/01/2025: BY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit -0.4% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.17B USD | Price to earnings Ratio 9.51 | 1Y Target Price 34.4 |
Price to earnings Ratio 9.51 | 1Y Target Price 34.4 | ||
Volume (30-day avg) 139591 | Beta 1.16 | 52 Weeks Range 19.42 - 32.78 | Updated Date 04/1/2025 |
52 Weeks Range 19.42 - 32.78 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 1.53% | Basic EPS (TTM) 2.75 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.79% | Operating Margin (TTM) 48.68% |
Management Effectiveness
Return on Assets (TTM) 1.31% | Return on Equity (TTM) 11.6% |
Valuation
Trailing PE 9.51 | Forward PE 9.59 | Enterprise Value 1353824640 | Price to Sales(TTM) 3.08 |
Enterprise Value 1353824640 | Price to Sales(TTM) 3.08 | ||
Enterprise Value to Revenue 4.74 | Enterprise Value to EBITDA - | Shares Outstanding 44683700 | Shares Floating 25531396 |
Shares Outstanding 44683700 | Shares Floating 25531396 | ||
Percent Insiders 43.01 | Percent Institutions 46.26 |
Analyst Ratings
Rating 3.83 | Target Price 33.8 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Byline Bancorp Inc
Company Overview
History and Background
Byline Bancorp, Inc. traces its roots back to 1912. After the financial crisis in 2008, a new management team recapitalized and rebranded the institution, focusing on community banking and small business lending. It has grown through acquisitions and organic expansion.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products, including term loans, lines of credit, and real estate financing, to small and medium-sized businesses.
- Retail Banking: Offers deposit accounts, personal loans, and other banking services to individuals and families.
- SBA Lending: Specializes in Small Business Administration (SBA) lending programs, supporting small business growth.
- Wealth Management: Provides wealth management and trust services to individuals and businesses.
Leadership and Structure
Alberto J. Paracchini serves as the CEO. The company has a traditional corporate structure with a Board of Directors and executive management overseeing various departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans, particularly to small and medium sized businesses, are a core product. Market share data is difficult to pinpoint precisely due to the fragmented nature of the market, but Byline is a notable player in the Chicago area. Competitors include larger regional banks and credit unions, such as Wintrust Financial and First Midwest Bank.
- SBA Loans: Byline is an active SBA lender. Market share is not readily available. Competitors include other banks specializing in SBA lending such as Live Oak Bancshares and Customers Bancorp.
- Deposit Accounts: Offers a range of deposit accounts for retail and commercial customers. Market share information is dispersed across the Chicago area. Competitors include Chase, BofA, and other large regional banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment of rising interest rates, increased regulatory scrutiny, and evolving customer expectations driven by digital banking trends. Community banks like Byline face both opportunities and challenges in this landscape.
Positioning
Byline Bancorp positions itself as a relationship-focused community bank, emphasizing personalized service and local expertise. Its competitive advantages lie in its deep understanding of the Chicago market and its strong SBA lending program.
Total Addressable Market (TAM)
The TAM for banking services in the Chicago metropolitan area is substantial, estimated in the tens of billions of dollars annually. Byline Bancorp's position is as a strong regional player focused on small-to-medium business lending and retail banking.
Upturn SWOT Analysis
Strengths
- Strong presence in the Chicago market
- Experienced management team
- Successful SBA lending program
- Focus on relationship banking
- Solid capital base
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger regional and national banks
- Reliance on commercial lending
- Limited brand recognition outside of Chicago
- Higher operating costs than larger banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic acquisitions
- Growth in SBA lending volume
- Increasing demand for wealth management services
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in the Chicago area
- Increased regulatory burden
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Wintrust Financial Corporation (WTFC)
- First Midwest Bancorp (FMBI)
- Fifth Third Bancorp (FITB)
Competitive Landscape
Byline's advantages include its local focus and strong SBA lending program. Disadvantages include its smaller size and limited geographic diversification compared to larger competitors.
Major Acquisitions
First Bank Chicago
- Year: 2018
- Acquisition Price (USD millions): 61.5
- Strategic Rationale: Expanded Byline's footprint in the Chicago metropolitan area and enhanced its commercial banking capabilities.
Growth Trajectory and Initiatives
Historical Growth: Byline has grown through acquisitions and organic expansion, focusing on increasing its commercial lending portfolio and expanding its branch network in the Chicago area.
Future Projections: Future growth projections depend on various factors. Analyst reports and company guidance should be reviewed. The ability to grow in the Chicago area will depend on its competitive environment.
Recent Initiatives: Recent initiatives likely include investments in digital banking platforms, expansion of its SBA lending team, and potential strategic acquisitions.
Summary
Byline Bancorp is a community-focused bank with a solid presence in the Chicago market, benefiting from its SBA lending expertise and relationship-based approach. Its smaller size and geographic concentration present limitations. Future growth hinges on navigating increasing competition and economic conditions in the Chicago area while leveraging digital banking and strategic acquisitions.
Similar Companies
- WTFC
- HFWA
- MBWM
- TCBI
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Industry publications
Disclaimers:
This analysis is based on available information and general market knowledge. It should not be considered financial advice. Market conditions and company performance can change over time.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Byline Bancorp Inc
Exchange NYSE | Headquaters Chicago, IL, United States | ||
IPO Launch date 2017-06-30 | Executive Chairman of the Board & CEO Mr. Roberto R. Herencia | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 1017 | Website https://www.bylinebancorp.com |
Full time employees 1017 | Website https://www.bylinebancorp.com | ||
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 that include 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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