BY
Byline Bancorp, Inc. Financial Services - Banks - Regional Investor Relations →
Byline Bancorp, Inc. (BY) closed at $39.27 as of 2026-07-31, trading 56.8% above its 200-week moving average of $25.05. The stock moved further from the line this week, up from 54.7% last week. With a 14-week RSI of 79, BY is in overbought territory.
Trading volume is running at 1.0x of its 14-week average, which is in the normal range. The balance between buying and selling volume (1.13 ratio) is neutral — neither side is clearly dominating.
Over the past 426 weeks of data, BY has crossed below its 200-week moving average 5 times. On average, these episodes lasted 29 weeks. Historically, investors who bought BY at the start of these episodes saw an average one-year return of +16.1%.
With a market cap of $1783 million, BY is a small-cap stock. Return on equity stands at 12.0%. The stock trades at 1.4x book value.
Share count has increased 21.5% over three years, indicating dilution.
Over the past 8.2 years, a hypothetical investment of $100 in BY would have grown to $193, compared to $311 for the S&P 500. BY has returned 8.4% annualized vs 14.9% for the index, underperforming the broader market over this period.
Free cash flow has been declining at a -14.3% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: BY vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After BY Crosses Below the Line?
Across 5 historical episodes, buying BY when it crossed below its 200-week moving average produced an average return of +12.8% after 12 months (median +15.0%), compared to +18.4% for the S&P 500 over the same periods. 80% of those episodes were profitable after one year. After 24 months, the average return was +28.4% vs +39.2% for the index.
Each line shows $100 invested at the moment BY crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices BY would reach each dislocation threshold.
Dislocation Price Levels
Prices where BY's Bean Score would hit each σ threshold. Valid until next earnings report (date TBD — last report: 2026-03-31).
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $31.46 | Unusually cheap — potential buy zone |
| Value | +1σ | $32.71 | Cheap vs. own history |
| Fair Value | +0σ | $34.07 | Historical mean behavior |
| Expensive | -1σ | $35.55 | Expensive vs. own history |
| Deep Expensive | -2σ | $37.16 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from BY's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
BY has crossed below its 200-week MA 5 times with an average 1-year return of +16.1% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Oct 2018 | Feb 2021 | 122 | 56.0% | -16.4% | +103.2% |
| Apr 2023 | Jul 2023 | 14 | 12.3% | +7.2% | +110.1% |
| Sep 2023 | Nov 2023 | 8 | 6.0% | +40.1% | +109.3% |
| Mar 2024 | Mar 2024 | 1 | 0.8% | +32.6% | +99.7% |
| Apr 2024 | Apr 2024 | 1 | 2.3% | +16.8% | +101.1% |
| Average | 29 | — | +16.1% | — |
Frequently Asked Questions
Is BY below its 200-week moving average?
No. Byline Bancorp, Inc. (BY) is currently 56.8% above its 200-week moving average of $25.05. It would need to fall to $25.05 to cross below the line.
What is BY's 200-week moving average price?
Byline Bancorp, Inc.'s 200-week moving average is $25.05 as of 2026-07-31. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when BY drops below its 200-week moving average?
BY has crossed below its 200-week moving average 5 times in our data. On average, buying at that moment produced a one-year return of +16.1%. These dips have historically been decent entry points. These episodes lasted 29 weeks on average.
Is BY a good value right now?
Here's what our data says about BY as of 2026-07-31: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 79 (overbought). Return on equity is 12.0%. Price-to-book is 1.4x. This is not a buy or sell recommendation — always do your own research.
How does BY compare to the S&P 500?
Over the past 8.2 years, $100 invested in BY would have grown to $193, compared to $311 for the S&P 500. That's 8.4% annualized vs 14.9% for the index. BY has underperformed the broader market over this period.
Does BY pay a dividend?
Yes. Byline Bancorp, Inc. currently pays a dividend yield of 143.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-07-31