Byline Bancorp, Inc. (BY) Earnings
Byline Bancorp, Inc. is expected to report next earnings on July 23, 2026 (in NaN days), with a consensus EPS estimate of $0.79. BY has beaten EPS estimates in 12 of its last 12 reported quarters (average surprise +11.6% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 24, 2026 | $0.74 | $0.83 | +12.2% | $112M | -1.5% |
| Jan 22, 2026 | $0.72 | $0.76 | +5.6% | $160M | +40.4% |
| Oct 23, 2025 | $0.71 | $0.83 | +16.9% | $116M | +3.8% |
| Jul 24, 2025 | $0.67 | $0.75 | +11.9% | $158M | +43.7% |
| Apr 24, 2025 | $0.62 | $0.65 | +4.8% | $149M | +47.6% |
| Jan 24, 2025 | $0.61 | $0.69 | +13.7% | $103M | +3.0% |
| Oct 24, 2024 | $0.65 | $0.69 | +6.2% | $102M | +0.8% |
| Jul 25, 2024 | $0.63 | $0.68 | +7.9% | $155M | +56.0% |
| Apr 25, 2024 | $0.64 | $0.70 | +9.4% | $154M | +56.5% |
| Jan 25, 2024 | $0.67 | $0.68 | +1.5% | $149M | +47.1% |
| Oct 26, 2023 | $0.61 | $0.65 | +6.6% | $137M | +34.4% |
| Jul 27, 2023 | $0.63 | $0.70 | +11.1% | $90M | +5.1% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 24, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- Discussed ongoing market distractions like shifting interest rates, economic signals, policy uncertainty, and geopolitical tensions. - Recognized Byland Bank as a U.S. best in class employer and named to Newsweek's America's Greatest Midsize Workplaces for Women. - SBA platform ranked number one SBA 7a lender in Illinois for 16th consecutive year. - Mentioned participation in upcoming conferences in Chicago. - Highlighted solid start to the year with strong profitability, disciplined expense management, stable credit quality.
Guidance
- Net interest income range of $99 to $101 million in the second quarter. - Non-interest income expected to be in the $14 to $15 million range for the second quarter. - Natural expense full year guidance unchanged at $58 to $60 million per quarter. - Expect full-year loan growth in the mid-single digits.
Segment performance
Net income was 37.6 million and EPS was 83 cents per diluted share. ROA was 156 basis points and ROTCE was 13.77%. Pre-tax preparation income totaled 55.2 million with a pre-tax preparation margin of 229 basis points. Total revenues were $112.4 million. Net interest income was just under $100 million. Non-interest income was $12.5 million. Total deposits increased 8.2% annualized to $7.8 billion. Loan balances were modestly lower. Expenses were $57 million with an efficiency ratio of 49.8%. Credit costs were $5.5 million. Capital levels: CET1 at 12.5%, total capital at 15.5%, tangible book value per share grew to $23.79.
Analyst Q&A
Q: Shed light on production levels in the quarter, year-over-year decline due to macro factors vs seasonality, and payoffs.
A: Origination level was good, payoff activity driven by recycle of loan participations and acquired loans, loan growth would have been ~4% if stripping out impact.
Q: Trajectory of loan yields over the balance of the year.
A: Roll-offs have certain coupon, new production has another, margin maintaining well with balance sheet growth and disciplined deposit pricing.
Q: M&A conversations and activity levels.
A: Underlying level of conversations healthy despite uncertainty causing some sellers to pause.
Q: Capital and buyback plan.
A: Over $2 billion buyback program with plenty of room to continue repurchasing.
Q: Deposit growth, CD growth, and competitive landscape.
A: CD book has short length, opportunity to reprice, focused on full relationship customers, CD yields coming down.
Q: Loan growth pipeline composition and segments.
A: All segments, real estate more rate sensitive, commercial banking and leasing business pipelines solid.
Q: Securities portfolio for remainder of the year.
A: Stable, will reinvest cash flows, depending on market opportunities.
Q: Deposit costs trajectory and second quarter outlook.
A: Average over the quarter unchanged, CD book short with most repriced.
Q: Balance sheet below $10 billion plan and Durbin impact.
A: Not managing below $10 billion artificially, Durbin impact expected to be 3.5 to 4 million bucks to ROA starting July 1, 2027.
Q: Deposit costs trajectory, competitive pressures, and commercial payments business.
A: Deposit costs relatively flat, mix helps, commercial payments business will have more benefit in second half.
Q: Fee income baseline and 2Q outlook.
A: Guidance of $14 to $15 million, lower swap fee income and one-off lower valuation on lease assets drivers.