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Byline BancorpBY -0.28%66 Equity-to-Asset is 0.13 as of Mar. 2026, which is 8% above its 10-year median of 0.12. GuruFocus rates BY with a GF Score™ of 66/100 and a GF Value™ of $28.60 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, Byline Bancorp ranks better than 78.56% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Byline Bancorp's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $1,280.3 Mil. Byline Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $9,909.7 Mil.
Therefore, Byline Bancorp's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.13.
The historical rank and industry rank for Byline Bancorp's Equity-to-Asset or its related term are showing as below:
BY'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.12 Max: 0.14
Current: 0.13
During the past 11 years, the highest Equity to Asset Ratio of Byline Bancorp was 0.14. The lowest was 0.10. And the median was 0.12.
BY's Equity-to-Asset is ranked better than 78.56% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs BY: 0.13
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Byline Bancorp Equity-to-Asset Related Terms
Byline Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Byline Bancorp's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BY vs DCOM, HOPE, OCFC: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Byline Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Byline Bancorp Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Byline Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Byline Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Byline Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Byline Bancorp (BY) has a Equity-to-Asset of 0.13 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Byline Bancorp and its competitors. This is near median its historical median of 0.12. Over the past decade, Byline Bancorp's Equity-to-Asset has ranged from 0.10 to 0.14. According to the industry distribution chart, Byline Bancorp ranks #327 out of 1525 companies in the Banks industry, placing it in the top 21.4%.
Is Byline Bancorp's Equity-to-Asset too high?
Byline Bancorp's current Equity-to-Asset of 0.13 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Byline Bancorp's value of 0.13 is 30% above this industry median. Based on the distribution chart, Byline Bancorp ranks #327 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Byline Bancorp has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Byline Bancorp's Equity-to-Asset compare to DCOM and HOPE?
According to the Banks industry distribution chart, Byline Bancorp ranks #327 out of 1525 companies for Equity-to-Asset. This places Byline Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Byline Bancorp's value of 0.13 is 30% above this benchmark. Historically, Byline Bancorp's own Equity-to-Asset has ranged from 0.10 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, Byline Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Byline Bancorp's current Equity-to-Asset of 0.13 is 30% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Byline Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Byline Bancorp's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Byline Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Byline Bancorp (BY) is currently considered Significantly Overvalued. The stock's GF Value™ is $28.60, compared to a current price of $39.64 — trading 38.6% above its estimated fair value. The current Equity-to-Asset is 0.13, which is near median its 10-year median of 0.12 and 30% above the Banks industry median of 0.10. Byline Bancorp's overall GF Score™ is 66/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Byline Bancorp (BY), the current Equity-to-Asset is 0.13 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Byline Bancorp (BY) Overvalued in 2026?
Based on GuruFocus' analysis, Byline Bancorp stock appears to be overvalued.
The current stock price of $39.64 is trading 38.6% above its estimated GF Value™ of $28.60.
GuruFocus considers Byline Bancorp to be Significantly Overvalued.
Key valuation signals for BY:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.12)
GF Value™: $28.60 vs. price of $39.64 (38.6% above fair value)
Industry Position: 30% above the Banks median (#327 of 1525)
No single metric tells the full story. See the BY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Byline Bancorp Inc is the holding company for Byline Bank, a full-service commercial bank serving small-and-medium sized businesses, financial sponsors, and consumers. The company offers a broad range of banking products and services to small and medium sized businesses, commercial real estate and online account opening to consumer and business. Also provide trust and wealth management services to its customers. In addition to traditional commercial banking business, company provide small ticket equipment leasing solutions through a wholly-owned subsidiary of Byline Bank.
66GF Score
Get the complete analysis for BY
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