BY Stock Analysis: Buy, Sell, or Hold?
BY - Byline Bancorp, Inc. Common Stock
$34.70
0.18 (0.52%)
▲
5d:
+5.99%
30d:
+6.44%
90d:
+13.36%
HOLD
MODERATE Confidence
Analysis Updated: Jun 10, 2026 12:00 AM ET
Earnings: Jul 23, 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 1.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: BY is fairly valued with market pricing in 1.0% 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
$40.46
Based on 3.7% 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 10.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BY is currently trading at $34.70, which is considered extended relative to its 30-day fair value range of $32.41 to $33.71. The stock's valuation (Forward PE: 10.3) is in line with its historical norms (10.0). At these levels, the market is pricing in 1.0% 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 $35.12. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BY has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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 uptrend. The price is approaching resistance at $35.12. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BY has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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
EXTENDED
Historical Trading Range
$32.41 -
$33.71
Company Quality Score
67/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($37.40)
- NEUTRAL: Market pricing in 1.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$32.41 -
$33.71
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$32.57
Resistance Level
$35.12
Current Trend
Uptrend
Technical data as of
Jun 10, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.28
Wall Street Target
$37.40
(+7.8%)
Revenue Growth (YoY)
13.8%
Earnings Growth (YoY)
29.7%
Profit Margin
33.0%
Valuation Premium vs History
+1.0% premium
PE vs Historical
10.3 vs 10.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.0%
(market-implied from PE analysis)
1-Year Target
$35.05
(+1%)
2-Year Target
$35.40
(+2%)
3-Year Target
$35.75
(+3%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$34.76
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 3.4%)
$81.69
(+135%)
Base:
(SPY PE: 10.3, Growth: 3.4%)
$38.33
(+11%)
Bear:
(PE: 8.7, Growth: 3.4%)
$32.58
(-6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (11x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.36 | Current EPS (TTM): $3.08
Bull Case
$42.17
(+22%)
Analyst growth 9.5%, PE expands to 12.5
Base Case
$38.34
(+11%)
Market implied 9.5%, PE stable at 11.4
Bear Case
$23.80
(-31%)
Severe decline -20.0%, PE contracts to 9.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 11, 2026 2:03 AM ET
Data refreshes hourly during market hours. Next update: 3:03 AM
Data refreshes hourly during market hours. Next update: 3:03 AM
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Technical Signals Check
Is BY showing a specific setup today?
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Mary Jo S Herseth
BUY
300 shares
2026-03-16
Phillip R Cabrera
BUY
169 shares
2026-01-28
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