The earnings call reflects a strong financial performance with significant loan and deposit growth, successful acquisition integration, and record net interest income. However, there are challenges such as increased credit costs and a decline in noninterest income. Overall, the highlights outweigh the lowlights.

Company Guidance -

Q3 2025

During Byline Bancorp's Second Quarter 2025 Earnings Call, the company provided guidance reflecting strong financial performance and strategic execution. The quarter's net income was reported at $30 million, or $0.66 per diluted share, on revenue of $110 million, with adjusted net income reaching $33.8 million, or $0.75 per share, excluding merger-related charges. Key metrics included a pretax pre-provision income of $51 million, a pretax pre-provision ROA of 212 basis points, and an adjusted ROA of 1.41%. The ROTCE was robust at 14.4% on an adjusted basis. Total revenue increased by 11% year-on-year, driven by a 9% rise in net interest income. The net interest margin expanded by 11 basis points to 4.18%. Expenses, excluding merger charges, were well managed at $54.7 million, resulting in an efficiency ratio of 48.2%. The company saw continued growth in loans and deposits, with loans reaching $7.4 billion and deposits $7.8 billion. The quarter also marked Byline's successful integration of First Security, adding $280 million in deposits and $153 million in loans. Capital levels remained strong with CET1 just under 12%, and Byline repurchased 418,000 shares, returning approximately $10 million to shareholders.

Successful First Security Acquisition

The acquisition of First Security added approximately $280 million in deposits and $153 million in loans, with integration completed by the end of April.

Strong Financial Performance

Reported net income of $30 million or $0.66 per diluted share on revenue of $110 million, with adjusted net income at $33.8 million or $0.75 per diluted share.

Revenue and Margin Growth

Total revenue was $110.5 million, up $7.4 million for the quarter and 11% year-on-year. The margin expanded by 11 basis points to 4.18%.

Record High Net Interest Income

Net interest income reached a record high of $96 million in Q2, up 9% from the prior quarter.

Loan and Deposit Growth

Loans grew by $155 million or 9% and deposits, excluding brokered, grew 6.4% quarter-on-quarter.

Capital and Shareholder Returns

Repurchased approximately 544,000 shares, returning $10 million back to shareholders, and maintained strong capital levels with CET1 at 11.85%.

Byline Bancorp (BY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

BY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	0.72 / -	0.7	―	―	―
Jul 24, 2025	2025 (Q2)	0.67 / 0.75	0.68	10.29% (+0.07)
Apr 24, 2025	2025 (Q1)	0.62 / 0.65	0.7	-7.14% (-0.05)
Jan 23, 2025	2024 (Q4)	0.61 / 0.69	0.73	-5.48% (-0.04)
Oct 24, 2024	2024 (Q3)	0.65 / 0.70	0.77	-9.09% (-0.07)
Jul 25, 2024	2024 (Q2)	0.63 / 0.68	0.73	-6.85% (-0.05)
Apr 25, 2024	2024 (Q1)	0.64 / 0.70	0.65	7.69% (+0.05)
Jan 25, 2024	2023 (Q4)	0.67 / 0.73	0.67	8.96% (+0.06)
Oct 26, 2023	2023 (Q3)	0.63 / 0.77	0.61	26.23% (+0.16)
Jul 27, 2023	2023 (Q2)	0.63 / 0.73	0.54	35.19% (+0.19)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

BY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$26.94	$26.98	+0.15%
Apr 24, 2025	$25.46	$25.41	-0.20%
Jan 23, 2025	$28.02	$28.84	+2.93%
Oct 24, 2024	$26.16	$26.48	+1.22%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Byline Bancorp Inc (BY) report earnings?

Byline Bancorp Inc (BY) is schdueled to report earning on Oct 23, 2025, After Close (Confirmed).

What is Byline Bancorp Inc (BY) earnings time?

Byline Bancorp Inc (BY) earnings time is at Oct 23, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is BY EPS forecast?

BY EPS forecast for the fiscal quarter 2025 (Q3) is 0.72.

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