Byline Bancorp (BY) Stock: Buy, Sell, or Hold?
BY - Byline Bancorp, Inc. Common Stock
$37.58
0.39 (1.05%)
â˛
5d:
+0.37%
30d:
-1.85%
90d:
+0.54%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Oct 22, 2026
19d
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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 1.4% 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 1.4% 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
$40.45
Based on 2.6% avg growth
INTRINSIC VALUE TODAY
$25.12
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 $37.58, which is considered fair relative to its 30-day fair value range of $37.24 to $38.42. 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 1.4% 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 approaching resistance at $37.90. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
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 (+16.2%). 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 approaching resistance at $37.90. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
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 (+16.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$37.24 -
$38.42
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
48.6%
All Signals
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (32/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($43.20)
- NEUTRAL: Market pricing in 1.4% annual earnings growth - fairly valued
- WARNING: Composite score 50/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$37.24 -
$38.42
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$36.12
Resistance Level
$37.90
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.84
Wall Street Target
$43.20
(+16.2%)
Revenue Growth (YoY)
11.7%
Earnings Growth (YoY)
36.4%
Profit Margin
34.4%
Valuation Premium vs History
+1.4% premium
PE vs Historical
10.8 vs 10.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$37.71
(+1%)
2-Year Target
$38.24
(+3%)
3-Year Target
$38.77
(+4%)
3-Yr Target (if PE normalizes)
(PE: 11â10)
PE COMPRESSION
$37.19
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 1.1%)
$72.22
(+94%)
Base:
(SPY PE: 10.8, Growth: 1.1%)
$38.39
(+3%)
Bear:
(PE: 9.2, Growth: 1.1%)
$32.63
(-12%)
đ
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: 11.09 | Current EPS (TTM): $3.32
Bull Case
$41.86
(+13%)
Analyst growth 3.3%, PE expands to 12.2
Base Case
$38.05
(+2%)
Market implied 3.3%, PE stable at 11.1
Bear Case
$25.04
(-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 02, 2026 11:33 AM ET
Data refreshes hourly during market hours. Next update: 12:33 PM
Data refreshes hourly during market hours. Next update: 12:33 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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