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BY

Byline BancorpB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The $0.94 Q3 EPS exceeded the $0.82 pre-release consensus estimate, alongside higher net interest income, deposit growth and margin expansion. Completion of the Illinois State transaction could add the EPS accretion projected by management.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.2.
What can break
Post-earnings analyst revisions and a full earnings-call transcript were not available for this early T+1 assessment.
Momentum
62
Value
56
Sentiment
57
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $40.00 · Bull $46.00 · Bear $32.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $43.20
Why
Momentum62 · Δ7d +3.4
Value56 · Δ7d -0.2
Sentiment57 · Δ7d -9.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.2.

Contradictions & invalidation

  • • Post-earnings analyst revisions and a full earnings-call transcript were not available for this early T+1 assessment.
  • • Q3 net charge-offs increased to $5.8 million from $4.4 million in Q2, and the allowance ratio rose to 1.51% from 1.48%. [#SEC-8K-2026-10-22]
  • • Loan balances fell quarter over quarter, charge-offs rose, the efficiency ratio worsened to 48.40% from 46.93%, and merger benefits depend on approvals and execution.

Catalyst clock

2026-10-23

Q3 earnings beat and initial digestion

Lead driver: Value · See fundamentals
Momentum
62
8% active weight
Current posture
7d trendFlat
Δ7d
+3.4
Δ21d
+3.3
Value
56
47% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
-0.2
Sentiment
57
45% active weight
Current posture
7d trendSoftening
Δ7d
-9.6
Δ21d
-16.3
Why this grade

Composite grade B. Momentum 62.0 / Value 55.6 / Sentiment 56.9

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
30%
Probability
Target price
$46.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$40.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$32.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$1.74B
Beta
0.87
Shares Out
45.19M
P/E (TTM)
10.6
P/S (TTM)
3.14
P/FCF (TTM)
12.22
Rev YoY
+1.2%
EPS YoY
+35.6%
Gross Margin
-
Op Margin
+31.6%
Net Debt
$514.61M
Current Ratio
0.03
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data