Byline Bancorp

BY · NYSE

$37.62+$0.54 (+1.46%)TodayMarket closed · Oct 20, 7:00 PM ET

Prev close $37.08

BY analyst rating

HoldConsensus of 3 analysts over the last 12 months. 33% rate it a buy.

Strong buy0
Buy1
Hold2
Underperform0
Sell0

12-month price target · 8 analysts

Average $42.84 (+13.9% upside)

Low: $39.39
Now: $37.62
High: $48.30

Upgrades and downgrades

The latest rating actions, newest first

BY analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Jul 28, 2026	Maintains	Overweight	$40.00 → $46.00	50%
Keefe, Bruyette & Woods	Jul 27, 2026	Maintains	Market Perform	$37.00 → $41.00	64%
Raymond James	Jul 8, 2026	Initiates	Market Perform	—	54%
Piper Sandler	Apr 27, 2026	Maintains	Overweight	$37.00 → $40.00	50%
Piper Sandler	Oct 28, 2025	Maintains	Overweight	$34.00 → $35.00	50%
Keefe, Bruyette & Woods	Oct 27, 2025	Maintains	Market Perform	$31.00 → $32.00	64%

The case for and against

Updated Apr 17, 2025

Bull case

Byline Bancorp's stock is positioned positively due to projected revenue growth, particularly with a forecast of 10% year-over-year growth in SBA GOS revenue for 2025 and increasing secondary market premiums anticipated alongside rate cuts. The company's unique local market positioning is expected to support robust core deposit gathering in tandem with loan growth, with a projected improvement in the net loan-to-deposit ratio to 89% by the fourth quarter of 2025. Furthermore, strong asset quality is reflected in stable-to-improving trends, with regulatory capital ratios showing sequential increases, including an 11.4% CET1 ratio, which enhances the bank's financial stability.

Bear case

The analysis of Byline Bancorp indicates concerns over declining revenues in core sectors, particularly with a projected small decrease in SBA GOS revenue to $5.6 million in the fourth quarter, leading to a reduced overall 2025 core fee income outlook that is 2% lower than prior forecasts. Additionally, risks such as asset quality deterioration, slower growth in loans, core deposits, and fees, as well as increased operating expenses may hinder the company’s financial performance. Furthermore, the decline in loan yields and the reliance on a single portfolio for net charge-offs suggest vulnerabilities that could pose challenges for Byline Bancorp in maintaining profitability moving forward.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.