What is the market's earnings forecast for Byline Bancorp next quarter?

What guidance did Byline Bancorp's management provide for the next earnings period?

What is the revenue and EPS growth rate for Byline Bancorp year over year?

What is Byline Bancorp's gross profit margin?

What factors drove the changes in Byline Bancorp's revenue and profit?

What is Byline Bancorp's latest dividend and current dividend yield?

Did Byline Bancorp beat or miss consensus estimates last quarter?

What were the key takeaways from Byline Bancorp’s earnings call?

- **Dividend Boost**: 20% quarterly dividend increase signals confidence in financial strength.
- **Loan Growth Momentum**: $7.5 billion loans with 8.9% YoY growth, targeting mid-single-digit 2026 expansion.
- **Margin Strength**: NIM at 4.35% (8 bps QoQ expansion), supported by disciplined deposit pricing.
- **Capital Flexibility**: CET1 12.33%, enabling share buybacks and dividend growth.
- **Strategic Initiatives**: Commercial payments onboarding 6 clients, wealth management AUM near $1 billion.

**【CEO Summary Section】**
- CEO Roberto Herencia highlighted a 20% increase in the quarterly dividend, reflecting strong financial performance and confidence in future results.
- Emphasized the company's strategic focus on becoming the preeminent local commercial bank in Chicago, driven by a stable platform for lenders and organic growth.
- Proud of the team's execution, with 2025 net income of $130.1 million and tangible book value growth of 17%.

**【CFO Financial Commentary】**
- Total loans grew to $7.5 billion, with origination activity up 22% QoQ and pipeline strength for mid-single-digit 2026 growth.
- Net interest income (NII) reached $101 million in Q4, a 1.4% QoQ increase, with NIM expanding 8 bps to 4.35%.
- Deposit costs declined 19 bps QoQ, and the bank expects NII of $99-100 million in Q1 2026.
- Capital ratios remain strong, with CET1 at 12.33% and TCE at 11.3%.

**【Q&A Key Highlights】**
- **Loan Growth Outlook**: Mid-single-digit growth expected in 2026, driven by commercial and leasing businesses.
- **Capital Allocation**: Authorized 5% share buyback program and 20% dividend increase, with flexibility for M&A.
- **Net Interest Income**: Q1 2026 NII guidance of $99-100 million, with stable to growing trend.
- **Commercial Payments**: 6 customers onboarded, $70 million in liability balances, and ACH volume growth.
- **Credit Quality**: Allowance at 1.45% of loans, with net charge-offs stable at $6.7 million Q4.
- **SBA Business**: Gain on sale forecast of $5.5 million/Q4, with long-term risk-adjusted returns attractive.

Byline Bancorp, Inc. (BY) Q4 2025 Earnings Call Transcript

- **Record Financial Performance**: Q3 net income of $37M (+19% YoY) and EPS of $0.82, driven by 6% loan growth and 9bps NIM expansion to 4.27%.
- **Capital Flexibility**: $10B asset threshold expected in Q1 2026, with M&A pipeline active in the $400M-$2B range.
- **SBA Resilience**: Government shutdown delays gain-on-sale income but preserves credit quality, with loans held on balance sheet.
- **Efficiency Improvement**: 51% efficiency ratio, lowest in 3 years, supported by 11bps deposit cost decline.
- **Strategic Expansion**: Commercial payments pipeline growing, targeting high-volume ACH and payroll processors.

**【Management Opening Remarks】**
- Roberto Herencia highlighted 12 consecutive quarters of strong financial performance, emphasizing team contributions and capital flexibility. The company anticipates crossing the $10 billion asset threshold in Q1 2026, delaying Durbin Act impacts until 2027.
- Byline was recognized as an SBA 7(a)/504 Lender of the Year and ranked among Chicago's top workplaces, reflecting employee engagement and low turnover.

**【CFO Financial Commentary】**
- **Revenue & Profitability**: Q3 net income of $37M ($0.82 EPS), up 19% YoY. Revenue grew 13.6% YoY to $116M, driven by loan growth and improved margins.
- **Net Interest Margin (NIM)**: Expanded 9bps to 4.27%, benefiting from a 11bps decline in deposit costs to 2.16% and higher asset yields.
- **Balance Sheet Growth**: Loans increased 6% QoQ to $7.5B, while deposits rose 1% QoQ to $7.8B. Origination activity reached $264M, up 25% YoY.
- **Credit Quality**: Provision for credit losses decreased 55% QoQ to $5.3M. NPLs declined to 85bps, and NPAs fell to 69bps of assets.
- **Capital Strength**: CET1 ratio at 12.15%, with tangible book value per share up 5% QoQ and 12% YoY.

**【Q&A Highlights】**
- **Government Shutdown Impact**: SBA loan originations continue, but gain-on-sale income delayed due to secondary market sales suspension. Management expects minimal impact on credit quality.
- **M&A Strategy**: Open to disciplined deals in the $400M-$2B range, focusing on deposit-acquisition opportunities in the Chicago metro area.
- **Durbin Act Preparedness**: Anticipated 2027 impact of $4.5M-$5M annually, including FDIC fee increases.
- **Commercial Payments Expansion**: Pipeline building for high-volume ACH and payroll processing clients, with onboarding expected to begin in Q4 2025.
- **Expense Management**: Efficiency ratio improved to 51%, with plans to maintain or reduce expenses in 2026 despite potential incentive comp resets.


Byline Bancorp (BY)-24 Oct 25-2025 Q3 Earnings call transcript

- **Top Quartile Performance**: Q2 revenue up 11% YoY to $110.5M, with NIM expanding 11bps to 4.18%.
- **Strong Capital Returns**: Share repurchases ($10M) and dividend (15% payout ratio), CET1 11.85%.
- **Credit Resilience**: ACL at 1.47%, NCOs 43bps despite NPLs rising to 92bps.
- **Strategic Focus**: Prioritizing organic growth and disciplined risk management over out-of-state M&A.

**【Management Opening Remarks】**
- CEO Roberto Herencia highlighted Q2 results as another strong performance, with metrics in the top quartile of peers. The company remains focused on becoming the preeminent commercial bank in Chicago.
- Byline was recognized with multiple awards for workplace excellence, reflecting employee engagement and talent retention.

**【CEO Commentary】**
- Emphasized disciplined risk management and strategic execution, contrasting with peers pursuing out-of-state mergers.
- Highlighted 12th anniversary and 8th year as a public company, thanking stakeholders for contributions.

**【CFO Financial Commentary】**
- **Revenue & Profitability**: Q2 net income $30M ($0.66 EPS), excluding merger charges, $33.8M ($0.75 EPS). Revenue grew 11% YoY to $110.5M, driven by 9% NII increase. Pretax pre-provision ROA 212bps (11th consecutive quarter above 200bps).
- **Balance Sheet Growth**: Loans $7.4B (+9% QoQ), deposits $7.8B (+13.7% QoQ). Organic loan growth $155M, excluding First Security. NIM expanded 11bps to 4.18%.
- **Credit Metrics**: NCOs $7.7M (43bps), ACL 1.47% of loans. NPLs rose 16bps to 92bps due to lower resolution activity.
- **Capital Management**: Repurchased 418K shares ($10M), returning capital alongside dividend. CET1 11.85%, TCE/TA 10.39%.

**【Q&A Highlights】**
- **Loan Growth Drivers**: Combination of share gains and improved client sentiment, with healthy pipeline for H2.
- **M&A Strategy**: Open to opportunities, prioritizing organic growth and capital returns. Repurchased 544K shares Q2 at attractive prices.
- **Credit Quality**: Marked increase in NPLs due to First Security integration, but ACL remains strong. No material credit migration issues.
- **Deposit Costs**: Stable at 2.27%, with CD repricing potential if Fed cuts rates.
- **Capital Allocation**: Hierarchy of growth > dividend > buybacks. Q3 expense guidance $56-58M, driven by marketing spend.


Byline Bancorp (BY)-25 Jul 25-2025 Q2 Earnings call transcript

- **Strong Financial Performance**: Q1 net income of $28.2 million, driven by 8% loan growth and a 4.07% NIM.
- **Capital Strength**: CET1 of 11.78% and TCE of 9.95%, with $100.4 million in loan loss reserves.
- **Strategic Momentum**: Completed First Security integration, maintaining mid-single-digit loan growth guidance.
- **Credit Resilience**: NPLs down 14 basis points to 76%, with 1.43% reserve coverage.
- **Cost Efficiency**: 53% adjusted efficiency ratio, down 2% in noninterest expenses.


**【CEO Summary Section】**
- Byline Bancorp reported strong first-quarter results with net income of $28.2 million, driven by loan growth of 8% annualized and a net interest margin (NIM) of 4.07%, up 6 basis points from the previous quarter.
- CEO Roberto Herencia emphasized the company's strategic focus on becoming the preeminent commercial bank in Chicago, highlighting its $7 billion loan portfolio, 1.43% allowance for loan losses, and CET1 capital ratio of 11.78%.
- The company completed the integration of First Security, adding $700 million in loans and $7.6 billion in deposits, while maintaining disciplined risk management and cost control.

**【CFO Financial Commentary】**
- CFO Tom Bell detailed the financial performance, noting noninterest expense management (down 2% to $56 million) and a 26 basis point decline in deposit costs to 2.3%.
- Credit quality improved with net charge-offs down 14.7% to $6.6 million and nonperforming loans (NPLs) decreasing 14 basis points to 76 basis points.
- Capital levels grew, with tangible book value per share up 4% quarter-over-quarter and CET1 at 11.78%, reflecting strong capitalization and risk management.

**【Q&A Highlights】**
- **Loan Growth & Pipeline**: Originations of $310 million, up 17% year-over-year, with pipelines remaining healthy despite macro uncertainty.
- **SBA Business Adjustments**: Shifted focus to higher-margin, lower-risk SBA loans, with gain-on-sale guidance unchanged at $5 million per quarter.
- **M&A Activity**: Ongoing conversations with private banks, with management confident in the $10 billion asset target.
- **Credit Risk**: Stable credit quality with NPLs at 76 basis points, excluding government-guaranteed loans, and a 1.43% reserve coverage ratio.
- **Capital Allocation**: Dividend payout ratio of 16%, with share buybacks contributing to an 18% total payout ratio.


Byline Bancorp (BY)-25 Apr 25-2025 Q1 Earnings call transcript

- **Record 2024 Results**: $407M revenue (+5% YoY), $121M net income. Q4 NII up 3% YoY to $88.5M.
- **Dividend Growth**: 11% dividend increase reflects strong capital generation.
- **Margin Expansion**: NIM +13bps to 4.01%, driven by 37bps deposit cost decline.
- **Credit Improvement**: NCOs down 36% YoY, NPL ratio 90bps (-12bps QoQ).
- **Capital Strength**: CET1 11.7%, TCE 9.61% (both +50+bps YoY).

**【CEO Summary Section】**
- Reported strong 2024 performance with full-year revenue of $407 million (+5% YoY) and net income of $121 million. Q4 net income was $30.3 million, or $0.69 per share.
- Announced $0.01 quarterly dividend increase (11.1% boost), reflecting robust profitability.
- Highlighted commercial banking strategy success, particularly post-2018 First Bank & Trust acquisition.
- Emphasized market recognition of franchise value and long-term growth potential in Chicago.
- Remembered late co-founder Bob's 50+ year banking career and his legacy in Evanston community.

**【Financial Highlights】**
- **Revenue Growth**: Q4 revenue $105 million (+3% QoQ, +4% YoY). Full-year revenue up 5%.
- **Net Interest Income (NII)**: $88.5 million (+1% QoQ, +3% YoY). NIM expanded 13bps to 4.01%.
- **Noninterest Income**: $16.1 million (+12.3% QoQ), driven by $7.1 million loan sale gains.
- **Expense Management**: Q4 noninterest expense $57.4 million (+$2.4 million YoY). Efficiency ratio 53.6%.
- **Asset Quality**: Net charge-offs $7.8 million (-8% QoQ). NPL ratio 90bps (-12bps QoQ). Allowance stable at 1.42%.
- **Capital Strength**: CET1 11.7% (vs 10.4% YoY). TCE 9.61% (vs 9.06% YoY).

Actual											0.09	0.24	0.34	0.38	0.57	0.77	0.69	0.69	0.58	0.54	0.61	0.67	0.65	0.73	0.77	0.73	0.7	0.68	0.7	0.69	0.65	0.75	0.83	0.76
Forecast											0.2682	0.0383	0.2063	0.2716	0.3629	0.4625	0.562	0.576	0.47	0.522	0.5767	0.5933	0.625	0.625	0.63	0.672	0.636	0.63	0.6483	0.6067	0.6217	0.6667	0.7205	0.7167	0.748
Surprise	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-66.44%	+526.63%	+64.81%	+39.91%	+57.07%	+66.49%	+22.78%	+19.79%	+23.40%	+3.45%	+5.77%	+12.93%	+4.00%	+16.80%	+22.22%	+8.63%	+10.06%	+7.94%	+7.97%	+13.73%	+4.55%	+12.49%	+15.20%	+6.04%	0.00%

BY

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BY Q1 2026 Earnings Preview

Earnings Call

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BY

BY fundamentals

BY Q1 2026 Earnings Preview

Earnings Call

BY Earnings Call Summary for Q1/2026Upcoming10:00 AM on Apr 24, 2026

BY Earnings Call Summary for Q4/202510:00 AM on Jan 23, 2026

BY Earnings Call Summary for Q3/202510:00 AM on Oct 24, 2025

BY Earnings Call Summary for Q2/202510:00 AM on Jul 25, 2025

BY Earnings Call Summary for Q1/202510:00 AM on Apr 25, 2025

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