BY Valuation

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Overview
Forecast
Valuation
Earnings

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 9.58 is considered Fairly compared with the five-year average of 10.05. The fair price of Byline Bancorp Inc (BY) is between 23.98 to 32.69 according to relative valuation methord.

Relative Value

Fair Zone

23.98-32.69

Current Price：26.74

Fair

9.58

Trailing

Forward

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.

2.81

Byline Bancorp Inc. (BY) has a current PS of 2.81. The 5-year average PS is 2.59. The thresholds are as follows: Strongly Undervalued below 1.63, Undervalued between 1.63 and 2.11, Fairly Valued between 3.07 and 2.11, Overvalued between 3.07 and 3.55, and Strongly Overvalued above 3.55. The current Forward PS of 2.81 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 1.05. Compared to its 3-year average P/B ratio of 1.05 , the current P/B ratio is approximately 0.14% higher. Relative to its 5-year average P/B ratio of 1.04, the current P/B ratio is about 0.70% higher. Byline Bancorp Inc (BY) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 17.31%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 15.27% , the current FCF yield is about -100.00% lower.

1.05

P/B

Median3y

1.05

Median5y

1.04

0.00

FCF Yield

Median3y

17.31

Median5y

15.27

Competitors Valuation Multiple

The average P/S ratio for BY's competitors is 2.38, providing a benchmark for relative valuation. Byline Bancorp Inc Corp (BY) exhibits a P/S ratio of 2.81, which is 18.25% above the industry average. Given its robust revenue growth of 8.09%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Berkshire Hills Bancorp Inc

ConnectOne Bancorp Inc

Dime Community Bancshares Inc

2.68

32.40%

1.23B

Performance Decomposition

Market capitalization of BY decreased by 4.01% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 96.40M to 104.20M.

The secondary factor is the P/E Change, contributed -5.89%to the performance.

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

8.09%

96.40M → 104.20M

Revenue Growth

-6.21%

30.78 → 28.87

Margin Expansion

-5.89%

10.87 → 10.23

P/E Change

-4.01%