Should I Buy BY? BY 2026 Analysis

Should You Buy Byline Bancorp Inc (BY) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Buy

Latest Price

33.510

1 Day change

0.75%

52 Week Range

33.890

Analysis Updated At

2026/02/04

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Buy now: Trend is bullish (SMA_5 > SMA_20 > SMA_200 + expanding positive MACD), insiders are accumulating, and the latest quarter showed solid YoY growth.
Near-term level to watch: price (32.68 pre-market) is close to R1 = 32.929; a brief pause/pullback is possible, but the broader setup still supports buying now (you’re not waiting for a perfect entry).
Upside case: Street target $37 implies ~13% upside from 32.68, and pattern-based stats also lean positive over the next month.

Intellectia Proprietary Trading Signals

AI Stock Picker: No signal on given stock today.
SwingMax: No signal on given stock today.

Technical Analysis

Trend: Bullish structure with SMA_5 > SMA_20 > SMA_200 (clear uptrend across short/medium/long-term).
Momentum: MACD histogram +0.156 and expanding → bullish momentum strengthening.
RSI (6): 69.86 (near overbought but still “neutral” per provided classification) → momentum strong, but chasing risk increases near resistance.
Key levels: Pivot 31.801 (first important support area); Resistance R1 32.929 then R2 33.627; Support S1 30.672.
Pattern odds (provided): next day modest (+0.26%), next week weaker (-2.36%), next month strong (+12.12%) → favors buying with a multi-week horizon even if near-term chop occurs.

Options Data

Bearish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Open Interest Put/Call = 1.56: positioning skewed more defensive/bearish (more puts than calls outstanding).
Volume is 0 today: options tape is not providing real-time confirmation; sentiment read relies mostly on OI rather than fresh trading.
Volatility: 30D IV 77.75 vs HV 33.46 (elevated implied volatility) → market pricing larger moves/uncertainty than recent realized action.
IV percentile 63.6 / IV rank 26.1: elevated versus much of the past year’s distribution, but not at extreme highs.

Technical Summary

Sell

Buy

Positive Catalysts

- Insiders are buying: buying amount up 192.8% over the last month (strong alignment signal).
- Strong 2025/Q4 results (per analyst note): strength in core fee income and NII with margin expansion.
- Analyst support: Piper Sandler reiterates Overweight and raised PT to $37.
- No negative news flow in the last week (no fresh overhangs reported).
- Macro tape: pre-market S&P 500 +0.15% (slightly supportive risk backdrop).

Neutral/Negative Catalysts

- Options positioning: OI put/call 1.56 suggests hedging/defensive bias.
- Near resistance: price is just below R1 (32.929) with RSI near 70 → higher chance of short-term consolidation.
- No hedge fund momentum signal: hedge funds noted as Neutral (no strong institutional trend signal).
- No near-term event catalyst in news: lack of fresh catalysts can mean slower follow-through after a run.

Financial Performance

Latest quarter: 2025/Q4
Revenue: $110.455M, +12.19% YoY (healthy top-line growth).
Net income: $34.521M, +13.86% YoY (profit growing faster than revenue).
EPS: $0.76, +10.14% YoY (steady per-share earnings growth).
Overall: results indicate a constructive growth trend entering 2026.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent change (2026-01-27): Piper Sandler raised price target to $37 from $35 and maintained Overweight.
Wall Street pros (bull case): strong Q4 execution, margin expansion, improving profitability, and insider buying support continued upside.
Wall Street cons (bear case): options OI skew implies more hedging, and the stock is pressing resistance with momentum near overheated levels (possible near-term digestion).

2 Analyst Rating

Wall Street analysts forecast BY stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for BY is 33.5 USD with a low forecast of 32 USD and a high forecast of 35 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

1 Buy

1 Hold

0 Sell

Moderate Buy

Current: 33.260

Low

Averages

33.5

High

Current: 33.260

Low

Averages

33.5

High

Piper Sandler

Overweight

maintain

$35 -> $37

AI Analysis

2026-01-27

Reason

Piper Sandler

Price Target

$35 -> $37

AI Analysis

2026-01-27

maintain

Overweight

Reason

Piper Sandler raised the firm's price target on Byline Bancorp to $37 from $35 and keeps an Overweight rating on the shares. The company again generated strong results in Q4 that included 9% PPNR upside driven by both stronger core fee income and net interest income with net interest margin expansion.

Piper Sandler

Nathan Race

Overweight

maintain

$34 -> $35

2025-10-28

Reason

Piper Sandler

Nathan Race

Price Target

$34 -> $35

2025-10-28

maintain

Overweight

Reason

Piper Sandler analyst Nathan Race raised the firm's price target on Byline Bancorp to $35 from $34 and keeps an Overweight rating on the shares. The firm notes the company generated strong Q3 results with 5% PPNR upside driven by stronger net interest income with net interest margin expansion and greater core fee income. Piper believes Byline is well-positioned for multiple expansion as profitability likely remains above average via its superior and more defensible net interest margin as well as with upside likely to mid-single-digit organic balance sheet growth expectations as Byline continues to win commercial market share.

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BY Should I Buy

BY Should I Buy

Should You Buy Byline Bancorp Inc (BY) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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