Byline Bancorp (BY) Stock Analysis & Winston Score

Byline Bancorp is a regional bank headquartered in Chicago, Illinois. It offers everyday banking services like checking accounts, savings accounts, and loans to individuals, small businesses, and mid-sized companies across the Chicago area and broader Midwest. The bank is particularly known for its government-guaranteed lending, including SBA (Small Business Administration) loans, which it originates and sells to other investors.

Byline makes money primarily through interest income — it collects more in interest on loans than it pays out on deposits, keeping the difference as profit. It also earns fees from originating and selling SBA loans, which is a meaningful part of its business model. The bank operates mainly in Illinois and Wisconsin, with roughly $8 billion in total assets, making it a mid-sized community bank. Its focus on SBA lending gives it a specialized niche, but rising interest rates or a slowdown in small business borrowing could pressure loan demand and profit margins going forward.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+3.0% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+29.2% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

29.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$62M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Byline Bancorp is growing revenue at 3% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

69.1%

Premium pricing power — 69.1% gross margin

Operating Margin

32.4%

Excellent — 32.4% operating margin

ROCE

2.6%

Weak — 2.6% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+2.7%

Nearly flat sales (2.7% YoY)

EPS YoY

+13.6%

Earnings growing (13.6% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

120%

Turns 120% of profit into real cash

FCF Margin

26.1%

Converts sales into free cash efficiently (26.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.51

Conservative — low debt load (0.51)

Interest Cover

1.07x

Dangerous — barely covers interest (1.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

12.1x

no trend

Attractive valuation — P/E 12.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.6

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

1.18%

no trend

Small dividend — 1.18% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+15.8%

no trend

Dividend growing fast (15.8% YoY)

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