Byline Bancorp (BY) Stock: Buy, Sell, or Hold?
BY - Byline Bancorp, Inc. Common Stock
$37.98
0.59 (1.56%)
▲
5d:
+2.91%
30d:
+2.97%
90d:
-1.62%
BUY
MODERATE Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 22, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: BY shows positive signals but monitor for confirmation. Market pricing in 0.3% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: BY shows positive signals but monitor for confirmation. Market pricing in 0.3% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$45.92
Based on 4.4% avg growth
INTRINSIC VALUE TODAY
$28.51
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 $37.98, which is considered extended relative to its 30-day fair value range of $36.77 to $37.73. The stock's valuation (Forward PE: 10.5) is in line with its historical norms (10.4). At these levels, the market is pricing in 0.3% 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 uptrend. The price is approaching resistance at $38.32. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BY scores 62/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $43.20 (+15.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, BY is in a uptrend. The price is approaching resistance at $38.32. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BY scores 62/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $43.20 (+15.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$36.77 -
$37.73
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (62/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($43.20)
- NEUTRAL: Market pricing in 0.3% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 62/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$36.77 -
$37.73
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$36.16
Resistance Level
$38.32
Current Trend
Uptrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.50
Wall Street Target
$43.20
(+15.5%)
Revenue Growth (YoY)
11.7%
Earnings Growth (YoY)
36.4%
Profit Margin
34.4%
Valuation Premium vs History
+0.3% premium
PE vs Historical
10.5 vs 10.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.3%
(market-implied from PE analysis)
1-Year Target
$37.50
(+0%)
2-Year Target
$37.61
(+1%)
3-Year Target
$37.73
(+1%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$37.36
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 4.8%)
$81.45
(+118%)
Base:
(SPY PE: 10.5, Growth: 4.8%)
$43.07
(+15%)
Bear:
(PE: 8.9, Growth: 4.8%)
$36.61
(-2%)
📈
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: 11.33 | Current EPS (TTM): $3.32
Bull Case
$44.37
(+19%)
Analyst growth 7.2%, PE expands to 12.5
Base Case
$40.34
(+8%)
Market implied 7.2%, PE stable at 11.3
Bear Case
$25.58
(-32%)
Severe decline -20.0%, PE contracts to 9.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 3:34 PM ET
Data refreshes hourly during market hours. Next update: 4:34 PM
Data refreshes hourly during market hours. Next update: 4:34 PM
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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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