Stock Ratings / Financials / BY / insiders

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Byline Bancorp Inc. (BY) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$38.96 +0.75% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $38.94

Byline Bancorp Inc. (BY) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $1.76B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $38.94 (-0.05%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 3.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+1.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BY)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (61/100 Composite)

🔍 WHY BY SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$36.32+2.6% Next Q

Q2 (-2Q)

Grade C$37.28+3% Next Q

Q3 (-1Q)

Grade C$38.40+1.5% Next Q

Current

Grade C-$38.96+0.5% Hist 90D α

Trajectory: C- (53) → C- (61)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, BY faces multiple-compression risk if 13.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($37.72) or 200D SMA ($35.00) invalidates the momentum regime and cuts Target Base ($39.49) toward Bear Floor ($30.80).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BY• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 61%NO 39%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

BY Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (BY)

No recent open-market Form 4 cluster sales or emergency dumps flagged on BY. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (BY Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

BY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +21.18%▲ RESISTANCE BREAKOUT

2026-10-30O $39.00H $39.15L $38.38C $38.96VOL 163.3K

RES: $38.01SUP: $35.73SMA50: $37.72SMA200: $35.00

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BY Butterfly Map → + Track BY →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BY)

Financials Rank #459 of 1096 ⚔️ OCFC vs BY Full Matrix →

1. Head-to-Head Financials Peer Comparison (BY vs. OCFC, CNOB, HOPE, FSUN)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Byline Bancorp Inc. (BY) ranks #459 by composite RQD confidence (61/100, grade C-) and #452 by equity capitalization ($1.76B). Within this direct 5-issuer industry benchmark cohort, BY leads on earnings valuation at 13.5x trailing P/E, while BY leads on capital efficiency and profitability with 10.3% ROIC and — gross margin. OCFC currently holds the highest overall quantitative score in the immediate peer group at 65/100 (C) compared with BY at 61/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BY ACTIVE Byline Bancorp Inc.	C-	61/100	13.5x	—	10.3%	+0.75%	$1.76B	Benchmark Subject
OCFC OceanFirst Financial Corp.	C	65/100	26.1x	—	4.0%	+0.74%	$1.75B	/ocfc-vs-by →
CNOB ConnectOne Bancorp Inc.	C-	61/100	22.0x	—	5.1%	+0.12%	$1.77B	/cnob-vs-by →
HOPE Hope Bancorp Inc.	D+	56/100	28.0x	—	2.7%	-2.16%	$1.73B	/hope-vs-by →
FSUN FirstSun Capital Bancorp	C-	60/100	18.3x	—	8.5%	+0.69%	$1.79B	/fsun-vs-by →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001702750

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Byline Bancorp Inc. (BY) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $130.1M, operating cash flow of $140.3M, and free cash flow of $136.3M (-20.4% YoY). On the balance sheet, BY closed FY2025 with $9.65B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$130.1M	$140.3M	$136.3M	$9.65B	—
FY2024 (FY)	2024-12-31	$0	$120.8M	$175.2M	$171.2M	$9.50B	—
FY2023 (FY)	2023-12-31	$0	$107.9M	$166.1M	$166.1M	—	—

3. BY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Byline Bancorp Inc. (NYSE: BY) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $38.96 (+0.75% 1D, market cap $1.76B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BY ranks #459 in composite RQD confidence.

How does BY compare to OCFC and CNOB in the Financials sector?

Within the Financials sector (Major Banks), BY carries a Roarable C- (61/100 RQD), trailing P/E of 13.5x, gross margin of —, and ROIC of 10.3%. By comparison, OCFC (OceanFirst Financial Corp.) holds a C grade (65/100 RQD, P/E 26.1x, ROIC 4.0%, cap $1.75B) and CNOB (ConnectOne Bancorp Inc.) posts a C- grade (61/100 RQD, P/E 22.0x, ROIC 5.1%, cap $1.77B). Among the 5-stock peer group, BY leads on earnings multiple (13.5x) while BY leads on capital efficiency (10.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BY?

Per BY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001702750), Byline Bancorp Inc. generated $0 in revenue, $130.1M in net income, and $136.3M in free cash flow against $9.65B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BY trading relative to its 50-day, 200-day, and 52-week technical levels?

BY last traded at $38.96 (+0.75% on volume of 237,781 shares), positioning the stock +3.29% above its 50-day simple moving average ($37.72) and +11.31% above its 200-day simple moving average ($35.00). Across its 52-week range of $26.42 to $40.03, BY sits at the 92.1% percentile with a 14-day RSI of 59.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.1% ($37.36 to $40.56).

BY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are BY insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies BY leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

Direct Sub-Reports: BY RQD Cockpit BY 12M Forecast BY Earnings & Move BY Dividends & DRIP BY Insiders & 13F BY Whale Options BY Profit Sankey BY News & Why