BY PE Ratio & Valuation,Is BY Overvalued

BY Relative Valuation

BY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, BY is overvalued; if below, it's undervalued.

Historical Valuation

Byline Bancorp Inc (BY) is now in the Fair zone, suggesting that its current forward PE ratio of 10.49 is considered Fairly compared with the five-year average of 9.86. The fair price of Byline Bancorp Inc (BY) is between 26.24 to 34.93 according to relative valuation methord.

Relative Value

Fair Zone

26.24-34.93

Current Price：30.89

Fair

10.49

0.00

EV/EBITDA

Byline Bancorp Inc. (BY) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Byline Bancorp Inc. (BY) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.09

Byline Bancorp Inc. (BY) has a current PS of 3.09. The 5-year average PS is 2.66. The thresholds are as follows: Strongly Undervalued below 1.78, Undervalued between 1.78 and 2.22, Fairly Valued between 3.10 and 2.22, Overvalued between 3.10 and 3.54, and Strongly Overvalued above 3.54. The current Forward PS of 3.09 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Byline Bancorp Inc. (BY) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Byline Bancorp Inc. (BY) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Byline Bancorp Inc (BY) has a current Price-to-Book (P/B) ratio of 1.14. Compared to its 3-year average P/B ratio of 1.04 , the current P/B ratio is approximately 9.36% higher. Relative to its 5-year average P/B ratio of 1.07, the current P/B ratio is about 6.13% higher. Byline Bancorp Inc (BY) has a Forward Free Cash Flow (FCF) yield of approximately 9.16%. Compared to its 3-year average FCF yield of 15.77%, the current FCF yield is approximately -41.93% lower. Relative to its 5-year average FCF yield of 15.40% , the current FCF yield is about -40.51% lower.

1.14

P/B

Median3y

1.04

Median5y

1.07

9.16

FCF Yield

Median3y

15.77

Median5y

15.40

Competitors Valuation Multiple

The average P/S ratio for BY's competitors is 3.55, providing a benchmark for relative valuation. Byline Bancorp Inc Corp (BY) exhibits a P/S ratio of 3.09, which is -12.8% above the industry average. Given its robust revenue growth of 13.41%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of BY increased by 5.97% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 97.11M to 110.13M.

The secondary factor is the Margin Expansion, contributed 8.17%to the performance.

Overall, the performance of BY in the past 1 year is driven by Revenue Growth. Which is more sustainable.

13.41%

97.11M → 110.13M

Revenue Growth

8.17%

31.23 → 33.78

Margin Expansion

-15.61%

13.00 → 10.97

P/E Change

5.97%

29.00 → 30.73

Mkt Cap Growth

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Frequently Asked Questions

Is Byline Bancorp Inc (BY) currently overvalued or undervalued?

What is Byline Bancorp Inc (BY) fair value?

BY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Byline Bancorp Inc (BY) is between 26.24 to 34.93 according to relative valuation methord.

How does BY's valuation metrics compare to the industry average?

The average P/S ratio for BY's competitors is 3.55, providing a benchmark for relative valuation. Byline Bancorp Inc Corp (BY) exhibits a P/S ratio of 3.09, which is -12.80% above the industry average. Given its robust revenue growth of 13.41%, this premium appears unsustainable.

What is the current P/B ratio for Byline Bancorp Inc (BY) as of Dec 15 2025?

As of Dec 15 2025, Byline Bancorp Inc (BY) has a P/B ratio of 1.14. This indicates that the market values BY at 1.14 times its book value.

What is the current FCF Yield for Byline Bancorp Inc (BY) as of Dec 15 2025?

As of Dec 15 2025, Byline Bancorp Inc (BY) has a FCF Yield of 9.16%. This means that for every dollar of Byline Bancorp Inc’s market capitalization, the company generates 9.16 cents in free cash flow.

What is the current Forward P/E ratio for Byline Bancorp Inc (BY) as of Dec 15 2025?

As of Dec 15 2025, Byline Bancorp Inc (BY) has a Forward P/E ratio of 10.49. This means the market is willing to pay $10.49 for every dollar of Byline Bancorp Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Byline Bancorp Inc (BY) as of Dec 15 2025?

As of Dec 15 2025, Byline Bancorp Inc (BY) has a Forward P/S ratio of 3.09. This means the market is valuing BY at $3.09 for every dollar of expected revenue over the next 12 months.

BY Valuation

BY Valuation

BY Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

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Frequently Asked Questions

Is Byline Bancorp Inc (BY) currently overvalued or undervalued?

What is Byline Bancorp Inc (BY) fair value?

How does BY's valuation metrics compare to the industry average?

What is the current P/B ratio for Byline Bancorp Inc (BY) as of Dec 15 2025?

What is the current FCF Yield for Byline Bancorp Inc (BY) as of Dec 15 2025?

What is the current Forward P/E ratio for Byline Bancorp Inc (BY) as of Dec 15 2025?

What is the current Forward P/S ratio for Byline Bancorp Inc (BY) as of Dec 15 2025?