Key Drivers
- High margins
- Low asset turnover
- Funding sensitivity
AIAI Summary
Treat Byline as a structurally profitable, low‑asset‑turnover regional bank whose headline cheap valuation vs tangible book largely reflects balance‑sheet and funding/NII sensitivity and an impending ~$10bn regulatory cost cliff—monitor NII per‑25bp sensitivity, deposit flows, and management's post‑$10bn cost clarity as the decisive catalysts for rerating or further downside.
Price Chart
Financial Metrics
Deep Analysis
Research tool. Not personalized advice.
Fundamental Analysis
Key Financial Insights:
- •High margins
- •Low asset turnover
- •Funding sensitivity
BY delivers very high margins and robust FCF but runs on a very large asset base with low turnover and recent negative cash flows, creating funding sensitivity despite attractive P/E/EV multiples and a price far below tangible book.
Price Behavior
Key Price Behavior Insights:
- •Below 21-day MA
- •RSI mid-20s
- •Test 3/18 support
Over the last month the stock is in a gentle downtrend trading below its 21-day MA with an oversold 14-day RSI in the mid-20s, support at the intraperiod low of 2026-03-18 and resistance near the $33 February high—watch closes vs the 21-day MA and the 3/18 low for confirmation.
Pronounced oversold
Sentiment & News
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