Byline Bancorp (FRA:44F) Moat Score: 4/10 (As of Jul. 01, 2026)


FRA:44F Byline Bancorp Inc FRA:44F
66 GF Score
Price €32.60
GF Value €24.64
! 7 Warning Signs
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What is Byline Bancorp Moat Score?

Byline Bancorp FRA:44F 66 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates FRA:44F with a GF Score™ of 66/100 and a GF Value™ of €24.64. The stock has 7 warning signs investors should review. Among 1,611 Banks companies, Byline Bancorp ranks better than 86.22% on this metric.

Byline Bancorp has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Byline Bancorp has Narrow Moat: Byline Bancorp has a discernible moat due to its regional banking presence and customer relationships. However, it faces intense competition and limited pricing power, resulting in a modest moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Byline Bancorp might have Narrow Moat - Discernible but modest moat.

Byline Bancorp  (FRA:44F) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Byline Bancorp Moat Score Related Terms

FRA:44F vs TCBK, HOPE, CNOB: Moat Score Comparison

For the Banks - Regional subindustry, Byline Bancorp's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Byline Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Byline Bancorp's Moat Score falls into.


FRA:44F
66GF Score
Byline Bancorp Inc FRA:44F
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Byline Bancorp (FRA:44F) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Byline Bancorp ranks #222 out of 1611 companies in the Banks industry, placing it in the top 13.8%.
Is Byline Bancorp's Moat Score too high?
Byline Bancorp's current Moat Score is 4. Based on the distribution chart, Byline Bancorp ranks #222 out of 1611 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, reflecting its overall financial health beyond just this single metric.
How does Byline Bancorp's Moat Score compare to TCBK and HOPE?
According to the Banks industry distribution chart, Byline Bancorp ranks #222 out of 1611 companies for Moat Score. This places Byline Bancorp in the top 14% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Byline Bancorp's current Moat Score is 4. 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?
Byline Bancorp (FRA:44F) has a current Moat Score of 4. The stock's GF Value™ is €24.64, compared to a current price of €32.60 — trading 32.3% above its estimated fair value. The current Moat Score is 4. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Byline Bancorp (FRA:44F), the current Moat Score is 4 as of Jul. 01, 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 €32.60 is trading 32.3% above its estimated GF Value™ of €24.64.

Key valuation signals for FRA:44F:

  • Moat Score: 4
  • GF Value™: €24.64 vs. price of €32.60 (32.3% above fair value)
  • GF Score™: 66/100 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.
66GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€32.60
Price
€24.64
GF Value