What Is Byline Bancorp, Inc. (BY) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Byline Bancorp, Inc. presents a highly debated valuation profile at its current price of $37.20. The composite intrinsic value is estimated at $51.21 (+37.7% average upside), masking a wide model spread between the 6 bullish models and 4 bearish models. Model dispersion is worth noting: ML-RIV targets $121.70 (+227.2%), versus EPV at $13.88 (-62.7%). This +289.9% range highlights the importance of multi-model analysis rather than relying on any single methodology.
What Do the Models Say About BY?
12 of 13 models are currently active for BY. Of these, 8 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates BY's intrinsic value at $93.21, implying +150.6% upside from the current price. See which stocks rank higher →
How Does BY Rank in State Commercial Banks?
Among 172 State Commercial Banks stocks, BY ranks #141 by Quality of Company score. CirclFi's QOC score of 7.3/10 evaluates 32 fundamental signals. A score of 7.3 indicates above-average quality.
See all Most Undervalued State Commercial Banks Stocks →
As a lending environment, Byline Bancorp, Inc. operates in a sector where deposit growth is a critical driver of valuation. Investors evaluating BY should weigh these sector-specific dynamics alongside our model-derived fair values.
Is BY a Value Trap?
CirclFi's Value Trap algorithm assigns BY a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Byline Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, Byline Bancorp, Inc.'s fundamental quality profile registers 7.3/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +289.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every BY valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across BY's 12 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
Buy with Gumroad