Byline BancorpBY +0.24%66 EV-to-FCF is 12.59 as of Jul. 10, 2026, which is 3% above its 10-year median of 12.18. GuruFocus rates BY with a GF Score™ of 66/100 and a GF Value™ of $28.51 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,193 Banks companies, Byline Bancorp ranks worse than 70.33% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Byline Bancorp's Enterprise Value is $2,072.2 Mil.
Byline Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $164.6 Mil. Therefore, Byline Bancorp's EV-to-FCF for today is 12.59.
The historical rank and industry rank for Byline Bancorp's EV-to-FCF or its related term are showing as below:
BY'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.89 Med: 12.18 Max: 104.74
Current: 12.59
During the past 11 years, the highest EV-to-FCF of Byline Bancorp was 104.74. The lowest was 4.89. And the median was 12.18.
BY's EV-to-FCF is ranked worse than 70.33% of 1193
companies
in the Banks industry
Industry Median: 6.57
vs BY: 12.59
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Byline Bancorp's PE Ratio (TTM) for today is calculated as:
Byline Bancorp's share price for today is $37.24.
Byline Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.070.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Byline Bancorp EV-to-FCF Related Terms
Byline Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Byline Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Byline Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Byline Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Byline Bancorp's EV-to-FCF falls into.
Byline Bancorp's current Enterprise Value is $2,072.2 Mil.
Byline Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $164.6 Mil.
* 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 EV-to-FCF of 12.59 as of Jul. 10, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Byline Bancorp and its competitors. This is near median its historical median of 12.18. Over the past decade, Byline Bancorp's EV-to-FCF has ranged from 4.89 to 104.74. According to the industry distribution chart, Byline Bancorp ranks #839 out of 1193 companies in the Banks industry, placing it in the top 70.3%.
Is Byline Bancorp's EV-to-FCF too high?
Byline Bancorp's current EV-to-FCF of 12.59 is near median its 10-year median of 12.18. Over the past 10 years, this metric has ranged from a low of 4.89 to a high of 104.74. The Banks industry median EV-to-FCF is 6.57. Byline Bancorp's value of 12.59 is 91.6% above this industry median. Based on the distribution chart, Byline Bancorp ranks #839 out of 1193 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to TCBK and HOPE?
According to the Banks industry distribution chart, Byline Bancorp ranks #839 out of 1193 companies for EV-to-FCF. This places Byline Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.57. Byline Bancorp's value of 12.59 is 91.6% above this benchmark. Historically, Byline Bancorp's own EV-to-FCF has ranged from 4.89 to 104.74 over the past decade. While the company's 10-year median is 12.18 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Byline Bancorp's current EV-to-FCF of 12.59 is 91.6% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Byline Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Byline Bancorp's current EV-to-FCF is 12.59, which is near median its own 10-year median of 12.18. 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 $28.51, compared to a current price of $37.24 — trading 30.6% above its estimated fair value. The current EV-to-FCF is 12.59, which is near median its 10-year median of 12.18 and 91.6% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Byline Bancorp (BY), the current EV-to-FCF is 12.59 as of Jul. 10, 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 $37.24 is trading 30.6% above its estimated GF Value™ of $28.51.
GuruFocus considers Byline Bancorp to be Significantly Overvalued.
Key valuation signals for BY:
EV-to-FCF: 12.59 (near median its 10-year median of 12.18)
GF Value™: $28.51 vs. price of $37.24 (30.6% above fair value)
Industry Position: 91.6% above the Banks median (#839 of 1193)
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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