Byline Bancorp (BY) Stock: Buy, Sell, or Hold?
BY - Byline Bancorp, Inc. Common Stock
$36.88
0.31 (0.85%)
▲
5d:
-0.83%
30d:
-2.79%
90d:
-0.97%
HOLD
MODERATE Confidence
Analysis Updated: Oct 8, 2026 12:00 AM ET
Earnings: Oct 22, 2026
12d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: BY is fairly valued with market pricing in 1.1% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: BY is fairly valued with market pricing in 1.1% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$40.55
Based on 2.6% avg growth
INTRINSIC VALUE TODAY
$25.18
Trading above historical range
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 10.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BY is currently trading at $36.88, which is considered oversold relative to its 30-day fair value range of $37.03 to $38.28. The stock's valuation (Forward PE: 10.8) is in line with its historical norms (10.4). At these levels, the market is pricing in 1.1% 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 $36.12. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: BY scores 35/100 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 (+17.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, BY is in a strong uptrend. The price is currently testing key support at $36.12. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: BY scores 35/100 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 (+17.1%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$37.03 -
$38.28
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
55.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (35/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($43.20)
- NEUTRAL: Market pricing in 1.1% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$37.03 -
$38.28
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$36.12
Resistance Level
$37.90
Current Trend
Strong Uptrend
Technical data as of
Oct 8, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.75
Wall Street Target
$43.20
(+17.1%)
Revenue Growth (YoY)
11.7%
Earnings Growth (YoY)
36.4%
Profit Margin
34.4%
Valuation Premium vs History
+1.1% premium
PE vs Historical
10.8 vs 10.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.1%
(market-implied from PE analysis)
1-Year Target
$37.29
(+1%)
2-Year Target
$37.70
(+2%)
3-Year Target
$38.11
(+3%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$36.86
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.7, Growth: 1.2%)
$69.99
(+90%)
Base:
(SPY PE: 10.8, Growth: 1.2%)
$38.20
(+4%)
Bear:
(PE: 9.1, Growth: 1.2%)
$32.47
(-12%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.02 | Current EPS (TTM): $3.32
Bull Case
$41.56
(+13%)
Analyst growth 3.3%, PE expands to 12.1
Base Case
$37.78
(+2%)
Market implied 3.3%, PE stable at 11.0
Bear Case
$24.87
(-33%)
Severe decline -20.0%, PE contracts to 9.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 09, 2026 1:45 AM ET
Data refreshes hourly during market hours. Next update: 2:45 AM
Data refreshes hourly during market hours. Next update: 2:45 AM
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Technical Signals Check
Is BY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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