BY Stock Analysis: Buy, Sell, or Hold?
BY - Byline Bancorp, Inc. Common Stock
$31.88
-0.69 (-2.12%)
▼
5d:
-3.86%
30d:
-3.71%
90d:
-3.04%
BUY
HIGH Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: BY shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: BY shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$40.46
Based on 3.7% avg growth
INTRINSIC VALUE TODAY
$25.12
Trading above historical range
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 10.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BY is currently trading at $31.88, which is considered oversold relative to its 30-day fair value range of $32.42 to $33.37. The stock's valuation (Forward PE: 9.4) is in line with its historical norms (10.0). Remarkably, the market is currently pricing in an annual earnings decline of 1.8% over the next few years. This pessimistic expectation contrasts with the company's recent 29.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, BY is in a strong uptrend. The price is currently testing key support at $31.78. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $37.40 (+17.3%). 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 currently testing key support at $31.78. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $37.40 (+17.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$32.42 -
$33.37
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($37.40)
Trading Range Analysis
30-Day Trading Range
$32.42 -
$33.37
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$31.78
Resistance Level
$33.62
Current Trend
Strong Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.45
Wall Street Target
$37.40
(+17.3%)
Revenue Growth (YoY)
13.8%
Earnings Growth (YoY)
29.7%
Profit Margin
33.0%
Valuation Discount vs History
-1.8% cheaper
PE vs Historical
9.5 vs 10.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.8%
(market-implied from PE analysis)
1-Year Target
$31.31
(-2%)
2-Year Target
$30.74
(-4%)
3-Year Target
$30.19
(-5%)
3-Yr Target (if PE normalizes)
(PE: 9→10)
$31.95
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 3.4%)
$82.25
(+158%)
Base:
(SPY PE: 9.4, Growth: 3.4%)
$35.21
(+11%)
Bear:
(PE: 8.0, Growth: 3.4%)
$29.93
(-6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 10.39 | Current EPS (TTM): $3.08
Bull Case
$38.56
(+21%)
Analyst growth 9.5%, PE expands to 11.4
Base Case
$35.05
(+10%)
Market implied 9.5%, PE stable at 10.4
Bear Case
$21.76
(-32%)
Severe decline -20.0%, PE contracts to 8.8
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 9.4 to 10.0
Stabilization Target:
$33.74
(+5.8%)
PE Expansion Potential:
+5.8%
Share & Embed Analysis
Last updated: May 15, 2026 11:35 PM ET
Data refreshes hourly during market hours. Next update: 12:35 AM
Data refreshes hourly during market hours. Next update: 12:35 AM
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Technical Signals Check
Is BY showing a specific setup today?
Insider Activity (6 Months)
2
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Mary Jo S Herseth
BUY
300 shares
2026-03-16
Phillip R Cabrera
BUY
169 shares
2026-01-28
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