📈 Price History

Ratio Health

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By Category

📊 Sector Averages

About

Byline Bancorp, Inc. operates as the bank holding company for Byline Bank that provides various banking products and services for small and medium sized businesses, commercial real estate and financial sponsors, and consumers in the United States. It offers various retail deposit products, including non-interest-bearing accounts, money market demand accounts, savings accounts, interest-bearing checking accounts, and time deposits; ATM and debit cards; and online, mobile, and text banking services, as well as commercial deposits. The company also provides term loans, revolving lines of credit, and construction financing services; senior secured financing solutions to private equity backed lower middle market companies; small business administration and the United States department of agriculture loans; and treasury management products and services, such as treasury services, information reporting, fraud management, cash collection, and interest rate derivative products. In addition, it offers financing solutions for equipment vendors and their end users; syndication services; and investment, trust, and wealth management services, including fiduciary and executor services, financial planning solutions, investment advisory services, and private banking services for foundations and endowments, and high net worth individuals. The company was formerly known as Metropolitan Bank Group, Inc. and changed its name to Byline Bancorp, Inc. in 2015. Byline Bancorp, Inc. was founded in 1914 and is headquartered in Chicago, Illinois.

Key Ratios Snapshot

📈 Growth Pattern

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Manager	Shares	Value	% of Fund	Period
Steve Cohen Point72 Asset Management	47.9K	$1.5M	0.00%	Mar 2026

SEC Form 13F data. 45-day lag from quarter end.

📊 MIXED Q1 2026 net income $37.6M, EPS $0.83, ROA 156 bps, NIM 4.33%.

Revenue & Profitability

First quarter 2026 net income was $37.6 million, earnings per diluted share $0.83, representing growth of 8.9% and 9.2% respectively year-over-year. Pre-tax pre-provision income totaled $55.2 million with a margin of 229 basis points. ROA was 156 basis points and ROTCE 13.77%. Tangible book value per share grew 14% year-over-year to $23.79. Net interest income was $99.9 million, down 1% linked quarter, while the net interest margin was stable at 4.33%.

Outlook

Management noted macro uncertainty from shifting interest rate expectations, inconsistent economic signals, policy uncertainty, and geopolitical tensions including the Iran war. Despite this, they are optimistic about executing their strategy and highlighted solid pipelines across businesses. The forward curve used for NII guidance assumes no rate cuts or hikes in 2026. Full-year loan growth is expected to be mid-single digits, with real estate more sensitive to rate movements.

Growth Drivers

Key growth drivers include the SBA platform, commercial banking, leasing, sponsor business, and the commercial payments business which is expected to contribute more in the second half of 2026. Deposit growth was 8.2% annualized in Q1, driven by interest-bearing checking and time deposits. Loan origination activity was solid at $241 million, though elevated payoffs offset growth. M&A conversations remain healthy but are tempered by the uncertain environment.

Balance Sheet & CapEx

Not discussed in this earnings call.

Margins

The net interest margin was stable at 4.33%, down just 2 basis points linked quarter. Loan yields were 6.84%, down 11 bps due to the December Fed rate cut. Deposit costs improved 6 bps to 1.91% driven by lower money market rates. The efficiency ratio improved to 49.78%, one of the lowest since becoming public. Non-interest expense guidance remains unchanged at $58-$60 million per quarter. Net interest income is expected to grow driven by balance sheet growth and disciplined deposit pricing.

Key Risks

Risks flagged include macro uncertainty from shifting interest rates, inconsistent economic signals, policy uncertainty, and geopolitical tensions (Iran war). Credit quality remains stable but elevated payoffs and fair value marks on loan servicing assets and equity securities impacted non-interest income. The Durbin Amendment is expected to reduce ROA by approximately 4 basis points annualized, with a $3.5-$4 million impact starting July 1, 2027. No other explicit risks were raised by analysts.

Generated by AI · Q1 2026 results · Not investment advice

✓ 📞 Earnings Call Transcripts (5 quarters) submit a missing quarter

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📞 Earnings Call Transcripts (5)

Q2 2026 Q2 2026 2026-07-24

Record net income and improved efficiency marked the quarter, with strong capital and disciplined execution supporting growth. Loan and deposit growth remain healthy, though payoff volatility and deposit competition persist. Dividend was raised 16.7% and buybacks continued.

Q1 2026 Q1 2026 2026-04-24

Strong Q1 results with net income up 8.9% year-over-year, stable asset quality, and robust capital ratios. Guidance calls for mid-single digit loan growth and stable net interest income, with continued focus on disciplined expense management and shareholder returns.

Q4 2025 Q4 2025 2026-01-23

Strong 2025 results featured 9.7% revenue growth, robust profitability, and a 17% increase in tangible book value per share. The company is set to cross $10 billion in assets in 2026, with continued focus on organic growth, disciplined credit, and capital flexibility.

Q3 2025 Q3 2025 2025-10-24

Q3 2025 saw strong net income and revenue growth, improved margins, and robust credit quality. Capital ratios remain high, with continued focus on organic growth, disciplined M&A, and new commercial payments initiatives. SBA loan sales may be delayed due to the government shutdown.

Q2 2025 Q2 2025 2025-07-25

Second quarter results featured strong revenue and earnings growth, driven by the First Security acquisition, robust loan and deposit expansion, and disciplined expense management. Credit quality remained solid, and capital levels provide flexibility for growth and shareholder returns.

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