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BY

Byline BancorpB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 print showed record profitability, strong revenue, deposit and loan growth, better efficiency, solid capital ratios, and continued shareholder returns. The initial post-print gain held through the 7/27 RankAlpha anchor, supporting a cautiously constructive operating read.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +4.7.
What can break
Credit costs, non-performing loans, and commercial-real-estate competition remain material bank-specific risks. [#PR-EARNINGS-2026-07-24]
Momentum
56
Value
57
Sentiment
70
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $42.20 · Bull $46.00 · Bear $34.00Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $43.20
Why
Momentum56 · Δ7d +0.3
Value57 · Δ7d -0.0
Sentiment70 · Δ7d +4.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +4.7.

Contradictions & invalidation

  • • Credit costs, non-performing loans, and commercial-real-estate competition remain material bank-specific risks. [#PR-EARNINGS-2026-07-24]
  • • Funding-cost pressure and balance-sheet mix changes could further compress NIM.
  • • Forward visibility is less clear: NIM declined to 4.28% amid funding-cost and mix pressure, loan payoffs were elevated, and second-half expenses are expected to rise.

Catalyst clock

2026-07-23

Q2 earnings beat with improved profitability

Lead driver: Sentiment · See AI snapshot
Momentum
56
9% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
-4.2
Value
57
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
70
62% active weight
Current posture
7d trendImproving
Δ7d
+4.7
Δ21d
+4.9
Why this grade

Composite grade B. Momentum 56.1 / Value 56.7 / Sentiment 69.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
25%
Probability
Target price
$46.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$42.20
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$34.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$1.77B
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data