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BY

Byline BancorpB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Record Q3 revenue, higher net interest income, deposit growth and a 13.29% common-equity-tier-1 ratio support continued profitability and capital flexibility. The acquisition could improve core funding if it closes and integrates as planned.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta -9.7.
What can break
Elevated loan payoffs could keep balances flat despite stronger originations. [#EARNINGS-TRANSCRIPT-2026Q3]
Momentum
62
Value
55
Sentiment
61
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $42.00 · Bull $47.00 · Bear $32.00Analysis 2026-10-27; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-27 • Vendor: Data Vendor v1
Scores
As of 2026-10-27 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-27 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-27

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-27. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $43.80
Why
Momentum62 · Δ7d +2.0
Value55 · Δ7d -0.5
Sentiment61 · Δ7d -9.7
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 -9.7.

Contradictions & invalidation

  • • Elevated loan payoffs could keep balances flat despite stronger originations. [#EARNINGS-TRANSCRIPT-2026Q3]
  • • Illinois State Bancorp shareholder or regulatory approval could be delayed, and expected integration benefits may not materialize. [#SEC-8K-2026-10-06]
  • • Loan payoffs exceeded originations, Q4 expense guidance rose, and the unusually low Q3 tax rate benefited from tax credits; management estimated a higher effective tax rate of about 25.5% for 2027.

Catalyst clock

2026-11-30

Post-earnings assessment of record revenue and loan runoff

Lead driver: Sentiment · See AI snapshot
Momentum
62
8% active weight
Current posture
7d trendSoftening
Δ7d
+2.0
Δ21d
-3.3
Value
55
47% active weight
Current posture
7d trendFlat
Δ7d
-0.5
Δ21d
-0.8
Sentiment
61
45% active weight
Current posture
7d trendSoftening
Δ7d
-9.7
Δ21d
-16.8
Why this grade

Composite grade B. Momentum 62.2 / Value 55.3 / Sentiment 61.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-27. Scenario method

B+
Bull case
30%
Probability
Target price
$47.00
Analysis reference price unavailable
Analysis 2026-10-27 · RankAlpha Sentiment Codex
Most 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
Fundamentals (TTM)
As of 2026-10-27
Market Cap
$1.75B
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 2026-10-27 • Updated nightlySource: Internal modelMethods & Data