B+
Bull case
30%
Probability
Target price
$47.00
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
BY
Byline BancorpBNYSE / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most likely
B
Base case
50%
Probability
Target price
$42.00
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$32.00
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-10-27
Recent news sentiment (30D)
-0.3
Mixed
Company
-
Unavailable
Macro
-0.3
Mixed
Pulse
-
Unavailable
Weekly research (10D)
-32.0
Negative
Sentiment proxy
+67.3
Score
AI commentary
The verified earnings release is positive, but the post-print market response was modest: BY rose 1.08% on October 23 and closed October 26 at the same $38.40. Price history A trusted earnings report reported $0.94 EPS versus $0.82 consensus; no verified post-print analyst target or estimate revision was found. Social, options, short-interest and employee measures were not supplied, so the zero values above represent unavailable data, not neutral readings.
RankAlpha Sentiment Codex - 2026-10-27
Open post-earnings memoEvidence flagged
later post-earnings follow-up lacks concrete company-source and analyst/market reaction evidence
Impact
tentative
Confidence
-
AI events
2026-11-30catalystPost-earnings assessment of record revenue and loan runoffMedium impact
Q3 revenue reached $121.0 million and diluted EPS was $0.94, versus $0.90 in Q2. Net interest margin rose five basis points to 4.33%, while loans declined as elevated payoffs exceeded originations. The next few weeks may determine whether investors emphasize earnings strength or weaker loan balances. [#SEC-8K-2026-10-22]
2027-01-25eventQ4 expense and lending outlook testedMedium impact
On the Q3 call, management expected roughly flat Q4 loan balances, $103 million–$105 million of net interest income and $62 million–$64 million of noninterest expense. The next results will test whether deposit-funded margin gains offset loan payoffs and higher costs. [#EARNINGS-TRANSCRIPT-2026Q3] Transcript
2027-03-31eventIllinois State Bancorp acquisition closingMedium impact
The announced cash-and-stock transaction is valued at approximately $87.9 million and is expected to close in Q1 2027, subject to shareholder and regulatory approvals. It could add core deposits and Chicago-area scale, but closing and integration remain unproven. [#SEC-8K-2026-10-06] SEC merger exhibit
Recommendation
N/A
No formal recommendation provided.
As of 2026-10-27 • Updated nightlySource: Internal modelMethodology