BY Stock Analysis: Buy, Sell, or Hold?
BY - Byline Bancorp, Inc. Common Stock
$31.57
0.40 (1.28%)
▲
5d:
+1.45%
30d:
-0.47%
90d:
+6.91%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 23, 2026
22d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: BY shows positive signals but monitor for confirmation. Market pricing in 0.6% decline. Moderate conviction.
💡 BUY OPPORTUNITY: BY shows positive signals but monitor for confirmation. Market pricing in 0.6% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$37.51
Based on 3.5% avg growth
INTRINSIC VALUE TODAY
$23.29
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BY is currently trading at $31.57, which is considered slightly high relative to its 30-day fair value range of $30.46 to $31.93. The stock's valuation (Forward PE: 9.8) is in line with its historical norms (9.9). Remarkably, the market is currently pricing in an annual earnings decline of 0.6% over the next few years. This pessimistic expectation contrasts with the company's recent 13.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, BY is in a strong uptrend. The price is approaching resistance at $31.99. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BY has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $35.60 (+14.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, BY is in a strong uptrend. The price is approaching resistance at $31.99. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: BY has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $35.60 (+14.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Fair Price Range
$30.46 -
$31.93
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
73.8%
All Signals
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($35.60)
Fair Price Analysis
30-Day Fair Range
$30.46 -
$31.93
Current vs Fair Value
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$29.75
Resistance Level
$31.99
Current Trend
Strong Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.77
Wall Street Target
$35.60
(+14.2%)
Revenue Growth (YoY)
9.5%
Earnings Growth (YoY)
13.0%
Profit Margin
31.7%
Valuation Discount vs History
-0.6% cheaper
PE vs Historical
9.8 vs 9.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.6%
(market-implied from PE analysis)
1-Year Target
$30.98
(-1%)
2-Year Target
$30.80
(-1%)
3-Year Target
$30.61
(-2%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$31.02
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 3.0%)
$77.94
(+150%)
Base:
(SPY PE: 9.8, Growth: 3.0%)
$34.07
(+9%)
Bear:
(PE: 8.3, Growth: 3.0%)
$28.96
(-7%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.47 | Current EPS (TTM): $2.89
Bull Case
$36.84
(+19%)
Analyst growth 10.7%, PE expands to 11.5
Base Case
$33.49
(+8%)
Market implied 10.7%, PE stable at 10.5
Bear Case
$20.58
(-34%)
Severe decline -20.0%, PE contracts to 8.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.8 to 9.9
Stabilization Target:
$31.58
(+1.3%)
PE Expansion Potential:
+1.3%
Share & Embed Analysis
Last updated: March 31, 2026 4:07 PM ET
Data refreshes hourly during market hours. Next update: 5:07 PM
Data refreshes hourly during market hours. Next update: 5:07 PM
🔥 Top Stocks Breaking Out Now
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Technical Signals Check
Is BY showing a specific setup today?
Insider Activity (6 Months)
3
Buys
1
Sells
+
Net
INSIDERS SELLING
Recent Transactions
Mary Jo S Herseth
BUY
300 shares
2026-03-16
Phillip R Cabrera
BUY
169 shares
2026-01-28
Thomas Abraham
SELL
23400 shares
2025-10-28
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