BY Stock Analysis: Buy, Sell, or Hold?
BY - Byline Bancorp, Inc. Common Stock
$38.83
-0.48 (-1.22%)
âŧ
5d:
-1.12%
30d:
+4.52%
90d:
+16.4%
WAIT
LOW Confidence
Analysis Updated: Aug 7, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: BY is fairly priced but lacks strong directional signals. At 3.6% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: BY is fairly priced but lacks strong directional signals. At 3.6% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$67.80
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$42.10
7.8% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BY is currently trading at $38.83, which is considered slightly high relative to its 30-day fair value range of $37.30 to $39.19. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.4) compared to its historical average (10.2). At these levels, the market is pricing in 3.6% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, BY is in a strong uptrend. The price is currently testing key support at $38.35. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: BY scores 32/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $43.20 (+11.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, BY is in a strong uptrend. The price is currently testing key support at $38.35. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: BY scores 32/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $43.20 (+11.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$37.30 -
$39.19
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
41.4%
All Signals
- BEARISH: Weak technical setup (32/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($43.20)
- NEUTRAL: Market pricing in 3.6% annual earnings growth - fairly valued
- WARNING: Composite score 49/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$37.30 -
$39.19
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$38.35
Resistance Level
$40.03
Current Trend
Strong Uptrend
Technical data as of
Aug 7, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.38
Wall Street Target
$43.20
(+11.3%)
Revenue Growth (YoY)
11.7%
Earnings Growth (YoY)
36.4%
Profit Margin
34.4%
Valuation Premium vs History
+3.6% premium
PE vs Historical
11.4 vs 10.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.6%
(market-implied from PE analysis)
1-Year Target
$40.23
(+4%)
2-Year Target
$41.68
(+7%)
3-Year Target
$43.18
(+11%)
3-Yr Target (if PE normalizes)
(PE: 11â10)
PE COMPRESSION
$38.71
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 80.6%)
$70.73
(+82%)
Base:
(SPY PE: 11.4, Growth: 80.6%)
$39.78
(+2%)
Bear:
(PE: 9.7, Growth: 80.6%)
$33.81
(-13%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 12.76 | Current EPS (TTM): $3.08
Bull Case
$47.92
(+23%)
Analyst growth 10.8%, PE expands to 14.0
Base Case
$43.56
(+12%)
Market implied 10.8%, PE stable at 12.8
Bear Case
$26.73
(-31%)
Severe decline -20.0%, PE contracts to 10.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 10, 2026 1:11 AM ET
Data refreshes hourly during market hours. Next update: 2:11 AM
Data refreshes hourly during market hours. Next update: 2:11 AM
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Technical Signals Check
Is BY showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Mary Jo S Herseth
BUY
300 shares
2026-03-16
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