BY Stock Analysis: Buy, Sell, or Hold?
BY - Byline Bancorp, Inc. Common Stock
$38.25
-0.08 (-0.21%)
▼
5d:
-2.6%
30d:
+1.62%
90d:
+15.8%
HOLD
MODERATE Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: BY is fairly valued with market pricing in 2.9% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: BY is fairly valued with market pricing in 2.9% 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
$68.46
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$42.51
10.0% 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 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BY is currently trading at $38.25, which is considered slightly low relative to its 30-day fair value range of $38.11 to $39.38. The stock's valuation (Forward PE: 11.2) is in line with its historical norms (10.3). At these levels, the market is pricing in 2.9% 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 $37.69. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: BY scores 36/100 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 (+12.9%). 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 $37.69. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: BY scores 36/100 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 (+12.9%). 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
SLIGHTLY LOW
Historical Trading Range
$38.11 -
$39.38
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
55.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (36/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($43.20)
- NEUTRAL: Market pricing in 2.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$38.11 -
$39.38
Current vs Trading Range
SLIGHTLY LOW
Support & Resistance Levels
Support Level
$37.69
Resistance Level
$39.57
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.21
Wall Street Target
$43.20
(+12.9%)
Revenue Growth (YoY)
11.7%
Earnings Growth (YoY)
36.4%
Profit Margin
34.4%
Valuation Premium vs History
+2.9% premium
PE vs Historical
11.2 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.9%
(market-implied from PE analysis)
1-Year Target
$39.36
(+3%)
2-Year Target
$40.50
(+6%)
3-Year Target
$41.68
(+9%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$38.31
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 80.6%)
$70.18
(+84%)
Base:
(SPY PE: 11.2, Growth: 80.6%)
$39.18
(+2%)
Bear:
(PE: 9.5, Growth: 80.6%)
$33.31
(-13%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 11.55 | Current EPS (TTM): $3.32
Bull Case
$43.35
(+13%)
Analyst growth 2.8%, PE expands to 12.7
Base Case
$39.41
(+3%)
Market implied 2.8%, PE stable at 11.6
Bear Case
$26.06
(-32%)
Severe decline -20.0%, PE contracts to 9.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 7:50 AM ET
Data refreshes hourly during market hours. Next update: 8:50 AM
Data refreshes hourly during market hours. Next update: 8:50 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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