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Byline Bancorp Inc (BY)
NYSE:BY
Earnings Data
Report Date
Apr 23, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.75Last Year’s EPS
0.65Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicates a strongly positive operational and financial performance: robust profitability, record net interest income, expanding margin, meaningful capital build and active capital returns (dividend increase and buybacks), successful integration of an acquisition, and progress on a new commercial payments initiative. Headwinds are present but largely manageable — notable deposit seasonality and end-of-year balance sheet management, modest upticks in NPLs/NPAs and provisions, some compression and seasonality in noninterest income (SBA gains), and asset-sensitivity risk if rates decline. Overall, management portrays these as controllable or temporary while emphasizing flexibility and continued focus on organic growth and capital deployment.Company Guidance
Strong Full-Year and Quarterly Profitability
Full-year net income $130.1M (EPS $2.89) on revenue $446M, up 9.7% Y/Y; Q4 net income $34.5M (EPS $0.76) on revenue $117M (Q4 revenue +12% Y/Y, +1.1% Q/Q). Full-year pretax pre-provision ROA ~219 bps, ROA 136 bps and ROTCE 13.5%; Q4 pretax pre-provision ROA 232 bps, ROA 141 bps and ROTCE ~13%.
Record Net Interest Income and NIM Expansion
Record Q4 net interest income of $101M (up 1.4% Q/Q and +10.7% for the year). Net interest margin expanded to 4.35% (up 8 bps Q/Q and +25 bps Y/Y). Improvement driven by lower cost of interest-bearing liabilities (declined 29 bps).
Loan Growth and Solid Origination Pipeline
Total loans at ~$7.5B with loan growth of 8.9% Y/Y and ~3% linked-quarter. Q4 origination activity $323M (Tom noted origination activity +22% vs prior quarter) and management expects mid-single-digit loan growth in 2026 given a strong pipeline.
Improved Capital Position and Shareholder Returns
Tangible common equity (TCE) ~11.3% (TCE/TA 11.29%); CET1 12.33% (up 63 bps Y/Y, +18 bps Q/Q). Tangible book value per share grew ~17% Y/Y. Returned ~$42M to stockholders in 2025, repurchased ~346k shares, Board authorized buyback up to 5% and approved a 20% increase in the quarterly dividend.
Expense Discipline and Operating Efficiency
Q4 noninterest expense ~$60.4M (essentially flat Q/Q); efficiency ratio 50.3% and cost-to-asset ratio 2.47%. Guidance for 2026 quarterly noninterest expense expected between $58M and $60M, indicating continued expense control.
Asset Quality Largely Stable with Managed Credit Costs
Q4 provision/credit costs $9.7M (driven by net charge-offs of $6.7M and a $3M reserve build). Allowance for credit losses $109M, representing 1.45% of total loans (up 3 bps Q/Q). Net charge-offs decreased slightly Q/Q and management targets NCOs ~30–40 bps for 2026.
Strategic Execution & New Business Initiatives
Closed and integrated the First Security transaction within a single quarter, upgraded customer-facing technology platforms, and progressed a new commercial payments business launched April 2025 (onboarded 6 customers, added ~ $70M in liability balances). Recognized as one of America's Best Workplaces for 2026.
BY Earnings History
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 |
|---|---|---|---|
Jan 22, 2026 | $31.71 | $30.95 | -2.40% |
Oct 23, 2025 | $26.55 | $28.04 | +5.61% |
Jul 24, 2025 | $26.84 | $26.88 | +0.15% |
Apr 24, 2025 | $25.37 | $25.32 | -0.20% |
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 Apr 23, 2026, After Close (Confirmed).
What is Byline Bancorp Inc (BY) earnings time?
Byline Bancorp Inc (BY) earnings time is at Apr 23, 2026, 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 2026 (Q1) is 0.75.