MARKET WIRECNBC • 2h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
Why BY Stock advanced +0.75% Today — RQD Quant Desk Flash
$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.
ROARABLE C- • HOLD / WATCH
Cap $1.76B
INTERACTIVE SCENARIO DECK:
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
53
Q2 (-2Q)Grade C$37.28+3% Next Q
56
Q3 (-1Q)Grade C$38.40+1.5% Next Q
58
CurrentGrade C-$38.96+0.5% Hist 90D α
61
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why BY Stock advanced +0.75% Today — RQD Quant Desk Flash
Byline Bancorp Inc. (BY) advanced +0.75% to $38.96, trading at 92% of its 52-week range ($26.42 – $40.03). Solid steady margins (10% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 92% of its 52-week range ($26.42 – $40.03) with RSI-14 at 59 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.1% around $38.96 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $136.3M annual free cash flow.
Live BY Headlines & Catalysts
MARKET WIRECNBC • 3h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 4h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 5h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 6h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 7h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 7h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
MARKET WIREReuters • 7h ago
German ministers pledge tough action after rioters damage stores in Frankfurt - ReutersGerman ministers pledge tough action after rioters damage stores in Frankfurt Reuters
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?
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
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 0001702750In 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 ENABLEDIs 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 × FREDWhy is BY stock moving today?
Why BY Stock advanced +0.75% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.