Byline Bancorp (FRA:44F) Margin of Safety % (DCF Dividends Based): 58.29% (As of Jul. 13, 2026)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:44F Byline Bancorp Inc FRA:44F
67 GF Score
Price €32.20
GF Value €24.48
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Byline Bancorp Margin of Safety % (DCF Dividends Based)?

Byline Bancorp FRA:44F +1.26% 67 Margin of Safety % (DCF Dividends Based) is 58.29% as of Jul. 13, 2026. GuruFocus rates FRA:44F with a GF Score™ of 67/100 and a GF Value™ of €24.48 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-07-13), Byline Bancorp's Predictability Rank is 3-Stars. Byline Bancorp's intrinsic value calculated from the Discounted Dividend model is €70.14 and current share price is €32.20. Consequently,

Byline Bancorp's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is 58.29%.

FRA:44F vs TCBK, HOPE, CNOB: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Byline Bancorp's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Byline Bancorp's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Byline Bancorp's Margin of Safety % (DCF Dividends Based) falls into.


FRA:44F
67GF Score
Byline Bancorp Inc FRA:44F
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Byline Bancorp Margin of Safety % (DCF Dividends Based) Calculation

Byline Bancorp's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(77.20-32.20)/77.20
=58.29 %

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

What does a Margin of Safety % (DCF Dividends Based) of 58.29% mean?
Byline Bancorp (FRA:44F) has a Margin of Safety % (DCF Dividends Based) of 58.29% as of Jul. 13, 2026. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Byline Bancorp.
Is Byline Bancorp's Margin of Safety % (DCF Dividends Based) too high?
Byline Bancorp's current Margin of Safety % (DCF Dividends Based) is 58.29%. Overall, Byline Bancorp has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Byline Bancorp's Margin of Safety % (DCF Dividends Based) compare to TCBK and HOPE?
Byline Bancorp's Margin of Safety % (DCF Dividends Based) of 58.29% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Dividends Based) for a Banks company?
A good Margin of Safety % (DCF Dividends Based) depends on the Banks industry context. However, Margin of Safety % (DCF Dividends Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Dividends Based) mean?
A high Margin of Safety % (DCF Dividends Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Dividends Based) is the percent difference between the current price and the intrinsic DCF Dividends price. View historical data on Byline Bancorp. Byline Bancorp's current Margin of Safety % (DCF Dividends Based) is 58.29%. 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 (FRA:44F) is currently considered Significantly Overvalued. The stock's GF Value™ is €24.48, compared to a current price of €32.20 — trading 31.5% above its estimated fair value. The current Margin of Safety % (DCF Dividends Based) is 58.29%. Byline Bancorp's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Dividends Based) calculated?
Margin of Safety % (DCF Dividends Based) is calculated from a company's financial statements. For Byline Bancorp (FRA:44F), the current Margin of Safety % (DCF Dividends Based) is 58.29% as of Jul. 13, 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 (FRA:44F) Overvalued in 2026?

Based on GuruFocus' analysis, Byline Bancorp stock appears to be overvalued. The current stock price of €32.20 is trading 31.5% above its estimated GF Value™ of €24.48. GuruFocus considers Byline Bancorp to be Significantly Overvalued.

Key valuation signals for FRA:44F:

  • Margin of Safety % (DCF Dividends Based): 58.29%
  • GF Value™: €24.48 vs. price of €32.20 (31.5% above fair value)
  • GF Score™: 67/100 with 7 warning signs

No single metric tells the full story. See the FRA:44F stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Byline Bancorp Business Description

Other Exchanges BY:USA
Address 180 North LaSalle Street, Suite 300, Chicago, IL, USA, 60601
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.
67GF Score

Get the complete analysis for FRA:44F

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€32.20
Price
€24.48
GF Value