Byline Bancorp (BY), a key player in the Banks-Regional industry, is set to make significant strides in August. With a current valuation of
$1.22B, the company has shown robust
financial health, underpinned by a total revenue of
$320.2M and a profit margin of 29.25%. The company's net interest income stands at a solid $265.3M, demonstrating a strong capacity to generate profits from its core business operations. Furthermore, Byline Bancorp's earnings per share (EPS) is at 2.40X, indicating a good return on investment for shareholders. Despite a total debt of $751.43M, the company's debt to equity ratio is a mere 0.08%, suggesting a prudent approach to leveraging. With 49.71% of its shares owned by institutions and a short percent of 0.0327, the company has a healthy market interest. The company's stock is currently trading above its 200-day moving average of $21.33, with a target price set at $23.4. Given these factors, Byline Bancorp is well-positioned for a bullish run in August. It appears that Axos Financial is on a faster recovery path as its stock price only dipped by 1.7% today, compared to Byline Bancorp's 1.36% drop. Given that many savvy traders are steering clear of the banking sector, it's logical to delve deeper into Byline Bancorp's performance and see how it measures up against Axos Financial and other comparable firms. We will examine some of the competitive elements of both Byline and Axos.
Investment perspective, in general, refers to a viewpoint or opinion regarding investment opportunity in Byline Bancorp. It encompasses the assessment of an investment's potential risks and rewards, and expectations for its
performance over time. Several factors influence the investment perspective on Byline Bancorp, including investment goals, risk tolerance, time horizon, market conditions, and research and analysis. Investors have varying goals, such as capital preservation, income generation, or long-term growth. Risk tolerance plays a significant role in shaping an investor's perspective, with some being more risk-averse and others willing to take on higher risks for potential returns.
How important is Byline Bancorp's Liquidity
Byline Bancorp
financial leverage refers to using borrowed capital as a funding source to finance Byline Bancorp ongoing operations. It is usually used to expand the firm's asset base and generate returns on borrowed capital. Byline Bancorp financial leverage is typically calculated by taking the company's all interest-bearing debt and dividing it by total capital. So the higher the debt-to-capital ratio (i.e., financial leverage), the riskier the company. Financial leverage can amplify the potential profits to Byline Bancorp's owners, but it also increases the potential losses and risk of financial distress, including bankruptcy, if the firm cannot cover its debt costs. The degree of Byline Bancorp's financial leverage can be measured in several ways, including by ratios such as the debt-to-equity ratio (total debt / total equity), equity multiplier (total assets / total equity), or the debt ratio (total debt / total assets). Please check the
breakdown between Byline Bancorp's total debt and its cash.
Byline Bancorp Gross Profit
Byline Bancorp Gross Profit growth is one of the most critical measures in evaluating the company. The Gross Profit growth rate is calculated simply by comparing Byline Bancorp previous period's values with its current period's values. Each time period you're measuring should be of equal lengths the increase or decrease, in a company's Gross Profit between two periods. Here we show Byline Bancorp Gross Profit growth over the last 10 years. Please check Byline Bancorp's
gross profit and other
fundamental indicators for more details.
Details
Revenue is income that a firm generates from business activities such us rendering services or selling goods to customers. It is a crucial part of a business and an essential item when evaluating a company's financial statements. Revenues from a firm's primary business operations can be reported on the income statement as sales revenue, net sales, or simply sales, depending on the industry in which a given company operates.
Revenue is typically recorded when cash or cash equivalents are exchanged for services or goods and can include product or services discounts, promotions, as well as early payments on invoices or services rendered in advance.
Revenue Breakdown
Lets now check Byline Bancorp revenue. Based on the latest financial disclosure, Byline Bancorp reported 320.23
M of revenue. This is 97.14% lower than that of the Banks sector and significantly higher than that of the
Financials industry. The revenue for all United States stocks is 96.61% higher than that of Byline Bancorp. As for Axos Financial we see revenue of 705.34
M, which is much higher than that of the Financials
| Byline | 320.23 Million |
| Sector | 0.0 |
| Axos | 705.34 Million |
Byline Bancorp (NYSE: BY), a key player in the Banks-Regional industry, is showing promising signs of growth as we move into August.
The company's operating income stands at a robust $148.5M, with a net income of $87.95M, reflecting a healthy profit margin of 0.29%. The company's EBITDA is also impressive at $155.2M, indicating strong operational efficiency. Byline Bancorp's book value per share is $21.10, which is higher than its 50-day moving average of $18.62, suggesting that the stock is undervalued. The company's shares have a 52-week high of $25.78 and a low of $16.32, indicating a potential upside of 4.9%. The company's market capitalization stands at
$775.68M, with a total of 37.71M shares outstanding. The company's
financial health is further underscored by its net interest income of $265.3M and retained earnings of $335.79M. However, investors should note the company's total debt of
$751.43M and a probability of bankruptcy at 69.82%. Despite these risks, Byline Bancorp's strong
financial performance and promising growth prospects make it a stock to watch in August. .
Will Byline slide impact its fundamentals?
The recent decline in Byline Bancorp's coefficient of variation, now at 2332.84, raises significant concerns about the stock's fundamental stability. This high coefficient of variation suggests a high level of volatility, which could potentially lead to considerable price fluctuations. Investors need to evaluate whether this heightened risk could potentially affect Byline's underlying fundamentals. While some may perceive this as an opportunity for high returns, others might interpret it as a sign of instability, which could negatively impact the stock's overall performance. Byline Bancorp exhibits relatively low volatility with a skewness of 0.84 and a kurtosis of 2.15. However, we recommend all investors to independently research Byline Bancorp to ensure all available information aligns with their expectations about its upside potential and future expected returns. Understanding different
market volatility trends often assists investors in timing the market. Proper use of volatility indicators allows traders to gauge Byline Bancorp's stock risk against market volatility during both bullish and bearish trends. The increased level of volatility that accompanies bear markets can directly affect
Byline Bancorp's stock price, adding stress to investors as they watch the value of their shares plummet.
This typically compels investors to rebalance their portfolios by purchasing different stocks as prices drop. In conclusion, Byline Bancorp (USA Stocks:BY) presents a complex investment scenario. The stock's current market valuation stands at
$20.29, which is below the analyst's target price estimated value of
$23.75. This suggests a potential upside to the current price. However, the stock also has a possible downside price of $18.91, indicating a risk of loss. The analyst overall consensus is a 'Hold', with 3 holds and 2 strong buys, out of 4 estimates. The valuation real value of $22.25 further supports the potential for growth. Therefore, while the stock may continue to be volatile in August, it could offer potential for investors willing to navigate its fluctuations. .
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Ellen Johnson is a Member of Macroaxis Editorial Board. Ellen covers public companies in North America, focusing primarily on valuation and volatility. Six years of experience in predictive investment analytics and risk management.
View Profile This story should be regarded as informational only and should not be considered a solicitation to sell or buy any financial products. Macroaxis does not express any opinion as to the present or future value of any investments referred to in this post. This post may not be reproduced without the consent of Macroaxis LLC. Macroaxis LLC and Ellen Johnson do not own shares of Byline Bancorp. Please refer to our
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