The earnings call highlighted Byline Bancorp's strong financial performance, successful acquisition integration, and recognition through awards. However, there were challenges such as a decline in noninterest income, increase in nonperforming loans, and higher credit costs. Overall, the positive aspects such as growth in revenue, loans, deposits, and improved efficiency metrics outweighed the negatives.

Company Guidance

During the second quarter of fiscal year 2025, Byline Bancorp reported strong financial performance with net income of $30 million, or $0.66 per diluted share, on revenue of $110 million. Excluding merger charges related to the acquisition of First Security and costs from a secondary offering, net income adjusted to $33.8 million, or $0.75 per diluted share. The company saw a 9% increase in net interest income, contributing to a net interest margin expansion of 11 basis points to 4.18%. Total revenue rose by 11% year-on-year to $110.5 million, supported by a 9% growth in net interest income. Operating expenses, excluding merger and offering charges, were well-managed at $54.7 million, leading to an efficiency ratio of 48.2% and a cost-to-asset ratio of 228 basis points. The balance sheet showed robust growth, with loans reaching $7.4 billion and deposits at $7.8 billion. The allowance for credit losses stood at 1.47% of total loans, reflecting a net reserve build of $4.2 million. The company also demonstrated strong capital management, with a CET1 ratio just under 12% and the repurchase of 418,000 shares, returning approximately $10 million to shareholders.

Strong Financial Performance

Reported net income of $30 million or $0.66 per diluted share on revenue of $110 million. Excluding merger charges and other expenses, net income was $33.8 million or $0.75 per diluted share. Revenue growth was driven by a 9% increase in net interest income.

Successful Acquisition and Integration

Successfully closed the transaction with First Security, adding approximately $280 million in deposits and $153 million in loans. The integration was completed by the end of April.

Awards and Recognition

Received awards such as 2025 Chicago Sun-Times Best Workplaces and U.S. News & World Report’s 2025 Best Companies to Work For in multiple categories.

Growth in Loans and Deposits

Loans grew by $155 million or 9%, and deposits grew 6.4% quarter-on-quarter, excluding brokered deposits. Total deposits increased to $7.8 billion, up 13.7% annualized from the prior quarter.

Improved Efficiency Metrics

Efficiency ratio was excellent at 48.2% for the quarter, and cost-to-asset ratio came in at 228 basis points, down 18 basis points from the prior quarter.

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

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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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