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Byline Bancorp, Inc. (BY)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$20.93 - $30.45$25.54
Multi-Stage$34.79 - $38.27$36.50
Blended Fair Value$31.02
Current Price$27.73
Upside11.85%
DecisionDon't Buy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS0.00%0.00%0.360.330.300.250.130.000.000.000.000.00
YoY Growth--8.65%8.84%18.92%97.32%0.00%0.00%0.00%0.00%0.00%0.00%
Dividend Yield--1.36%1.55%1.39%0.95%0.61%0.00%0.00%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)125.85
(-) Cash Dividends Paid (M)17.59
(=) Cash Retained (M)108.27
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)25.1715.739.44
Cash Retained (M)108.27108.27108.27
(-) Cash Required (M)-25.17-15.73-9.44
(=) Excess Retained (M)83.1092.5398.83
(/) Shares Outstanding (M)44.5344.5344.53
(=) Excess Retained per Share1.872.082.22
LTM Dividend per Share0.390.390.39
(+) Excess Retained per Share1.872.082.22
(=) Adjusted Dividend2.262.472.61
WACC / Discount Rate8.59%8.59%8.59%
Growth Rate-2.00%-1.00%0.00%
Fair Value$20.93$25.54$30.45
Upside / Downside-24.52%-7.91%9.79%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)125.85124.59123.35122.11120.89119.68123.27
Payout Ratio13.97%29.18%44.38%59.59%74.79%90.00%92.50%
Projected Dividends (M)17.5936.3554.7572.7790.42107.71114.03

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.59%8.59%8.59%
Growth Rate-2.00%-1.00%0.00%
Year 1 PV (M)33.1433.4833.82
Year 2 PV (M)45.5046.4347.37
Year 3 PV (M)55.1356.8358.57
Year 4 PV (M)62.4565.0467.71
Year 5 PV (M)67.8271.3575.03
PV of Terminal Value (M)1,285.181,352.101,421.78
Equity Value (M)1,549.211,625.231,704.28
Shares Outstanding (M)44.5344.5344.53
Fair Value$34.79$36.50$38.27
Upside / Downside25.46%31.61%38.01%

High-Yield Dividend Screener

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