Start here if you're new
what it is
Byline is a Chicago bank that takes deposits, makes loans, and pockets the spread between the two.
how it gets paid
Last year Byline Bancorp made $572M in revenue. Net interest income was the main engine at $385.3M, or 67% of sales.
why it's growing
Revenue grew 1.1% last year. Quarterly EPS history was steady through 2024 at $0.68 to $0.69 per quarter.
what just happened
Revenue hit $428M and EPS reached $2.12, both far above the year-ago period.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
65/100 earnings predictability — reasonably predictable
11.6x trailing p/e — the market's not buying it — or you found a deal
1.6% dividend yield — cash in your pocket every quarter
$2.88 fy2025 eps est
xvary composite: 60/100 — average
What they do
Byline is a Chicago bank that takes deposits, makes loans, and pockets the spread between the two.
This is a local scale business. Byline has 47 branches in the Chicago area and $9.65 billion in assets, which gives you real reach with small businesses and commercial real estate borrowers. Banking moat → customer relationships and low-cost deposits → so what: if your business already borrows, deposits, and banks online with one lender, moving is a pain.
How they make money
$572M
annual revenue · their business grew +1.1% last year
Net interest income
$385.3M
Deposit service charges
$38.9M
Loan sale and servicing fees
$54.1M
Other noninterest income
$93.7M
The products that matter
commercial lending and deposit spread
Commercial Banking
$385.3M · 86% of revenue
this is the core engine. $385.3M of last year's $446.3M revenue came from the gap between what the bank pays for funding and what it earns on loans.
core earnings driver
fees, servicing, and other banking income
Non-Interest Income
$61.0M · 14% of revenue
this piece is smaller, but it matters because $61.0M of fee income gives you at least some diversification away from pure lending spreads.
secondary buffer
capital return policy
Share Repurchase Program
up to 5% through 2026
it is not a banking product, but it matters to your return. A bank at 11.6x earnings buying back up to 5% of its shares gives management one clean lever if earnings hold up.
capital allocation
Key numbers
11.6x
trailing p/e
P/E → price divided by earnings → so what: you are paying 11.6 years of current profits for a bank that earned $2.75 a share in 2024.
$9.65B
total assets
Assets are the balance sheet that produces loan income. A $9.65 billion bank priced near $1 billion is a classic regional-bank setup.
$732M
long-term debt
Debt equals 34% of capital per. That is manageable, but it matters if funding markets get tighter.
1.6%
dividend yield
The dividend is real, but small. Your main bet here is earnings and buybacks, not income.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 70 / 100
- long-term debt $732M (34% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for BY right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue hit $428M and EPS reached $2.12, both far above the year-ago period.
Quarterly EPS history was steady through 2024 at $0.68 to $0.69 per quarter, then the latest reported quarter jumped hard. Quiet part out loud: that kind of revenue leap is too large to treat as normal until you see the filing details.
$145M
revenue
$2.12
eps
n/a
n/a
the number that mattered
EPS of $2.12 matters most because Value Line's full-year 2025 estimate is $2.88, so one quarter did a huge amount of the annual work.
source: company earnings report, 2026
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What could go wrong
the top risk is Chicago-area commercial credit quality. When 86% of revenue comes from lending spread income, you do not need a dramatic failure for earnings to wobble.
med
credit quality slips in the core loan book
BY made $385.3M of its $446.3M revenue from net interest income. That means borrower health is not a side issue — it is the business.
If losses rise, the hit lands on the same revenue engine that drives 86% of the company.
med
deposit costs rise faster than loan yields
Bank jargon calls this net interest margin pressure. In human-speak: funding gets more expensive before the bank can reprice loans high enough to keep up.
With only $61.0M of non-interest income, there is not much diversification if spread income gets squeezed.
med
the buyback does less than investors hope
A repurchase of up to 5% of shares helps only if underlying earnings hold near the $130.1M level. Buybacks do not fix a weakening bank.
If profits soften, the market stops treating the 5% authorization like support and starts treating it like garnish.
A 31.7% profit margin looks great until credit or funding costs move against you. This is still a local commercial bank, not a machine that prints money on its own.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest income versus the $385.3M base
That is 86% of revenue. If this line softens, the entire thesis gets less comfortable fast.
calendar
Q1 2026 earnings on april 23
You want the next quarter to confirm that the Q4 beat was not a one-off and that management still sounds calm on credit.
risk
credit stress in Chicago small and midsize businesses
This is the quiet part. If local borrowers struggle, you will see it in provisions and weaker lending income before the story changes on the stock chart.
trend
buyback pace through 2026
A 5% authorization matters more when the stock stays around 11.6x earnings. If management buys slowly, that tells you something too.
Analyst rankings
earnings predictability
65 / 100
in human-speak, the earnings stream is steady enough to model, but not steady enough to stop watching credit and spreads.
price stability
70 / 100
the stock has been calmer than plenty of small caps. That does not make it immune if the bank story cracks.
risk rank
3
this is middle-tier safety. Safer than the market's problem children, less comfortable than top-tier banks.
source: institutional data
Institutional activity
institutional ownership data for BY is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$34
current price
n/a
target midpoint · n/a from current
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