BY
Byline Bancorp·NYSE
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BY fundamentals
Byline Bancorp (BY) released its earnings on Oct 23, 2025: revenue was 115.73M (YoY +13.64%), beat estimates; EPS was 0.83 (YoY +20.29%), beat estimates.
Revenue / YoY
115.73M
+13.64%
EPS / YoY
0.83
+20.29%
Report date
Oct 23, 2025
BY Earnings Call Summary for Q3,2025
- 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.
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Revenue
Revenue & Expenses
Key Indicators
Byline Bancorp (BY) key financial stats and ratios, covering profitability, financial health, and leverage.
Byline Bancorp (BY)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Byline Bancorp (BY)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Byline Bancorp (BY)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Byline Bancorp (BY) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Byline Bancorp (BY) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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What is Byline Bancorp's latest dividend and current dividend yield?What were the key takeaways from Byline Bancorp's earnings call?What is the market's earnings forecast for Byline Bancorp next quarter?What factors drove the changes in Byline Bancorp's revenue and profit?What does Byline Bancorp do and what are its main business segments?What guidance did Byline Bancorp's management provide for the next earnings period?What is Byline Bancorp's gross profit margin?What is the revenue and EPS growth rate for Byline Bancorp year over year?
